vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA

Complaint narrative:
Yes car hop sold me a XXXX. Dollar XXXX XXXX XXXX for a XXXX dollar loan threw XXXXXXXX XXXX which I've been paying on since XX/XX/XXXX they sold me a tore up car interior exterior all paint messed up had to tape rear view mirror on when I got the car they never cleaned inside of vehicle dog hair dirt when I got it they overpriced me for car they treated me like a piece of XXXX I deserve what I pay for they took advantage of me and ripped me now I'm stuck with this vehicle can't trade it in no dealership will take also dealership I went to even said car hop ripped XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have a dispute with a collection account on my credit report with PORTFOLIO RECOVERY ASSOCIATES my original contract was with XXXX XXXX XXXX XXXX XXXX I didn't authorize them to allocate my personal information to a third-party also XXXX XXXX XXXX XXXX XXXX canceled my original account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
I request a goodwill removal of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a complaint against Experian regarding their failure to respond appropriately to my dispute regarding inaccuracies on my credit report. 

On XX/XX/XXXX, I mailed a dispute letter to Experian via USPS certified mail ( tracking number : XXXX ), requesting an investigation into several inaccuracies on my credit report. The disputed items include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I disputed the following incorrect personal information listed on my credit report : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX. 

I included a copy of my photo ID, social security card, and a recent bill with my current address to assist Experian in verifying my identity and address. 

On XX/XX/XXXX, I received a response from Experian via email stating that they received my request but did not take any action on it because it did not appear to have been sent directly by me or authorized by me. 

It is my understanding, as per the Fair Credit Reporting Act ( FCRA ), that if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Experian 's failure to conduct a reasonable investigation upon receipt of my dispute is a violation of my consumer rights under the FCRA. 

Enclosed with this letter, please find a copy of my dispute letter sent to Experian, along with proof of USPS certified mail delivery, and Experians response via email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX DOB is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX I am a victim of identity theft due to the Equifax Data Breach. The following are fraudulent hard inquiries and are not factual and should not remain on my credit report. Stop sending me letters saying you can't do anything about it because it's factual when it is not. My data was leaked because of Equifax.. and you are the worst company to deal with. The least you can do is remove fraudulent inquiries from my report.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Dear LVNV/Resurgent, I am writing to address a matter of utmost importance regarding a debt purportedly associated with your organization, which has been reported on my credit report. This debt, as communicated by LVNV/Resurgent , has significantly impacted my creditworthiness and has caused reputational damage. 

In 2022, upon receipt of correspondence from LVNV/Resurgent claiming an outstanding debt, I immediately disputed the validity of the debt and requested validation, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts, LVNV/Resurgent has failed to provide any documentation or evidence substantiating the validity of this debt. This lack of validation not only violates the FDCPA but also raises serious concerns regarding the accuracy and legitimacy of the reported debt. 

Furthermore, the continued presence of this debt on my credit report has resulted in significant harm to my reputation and financial standing. It has affected my ability to secure credit, obtain favorable interest rates, and pursue various opportunities that rely on a favorable credit history. This situation has caused undue stress and hardship, constituting a form of harassment and unfair treatment. 

In light of the aforementioned circumstances, I hereby request that LVNV/Resurgent take immediate action to remove the disputed debt from my credit report. Additionally, I demand that all collection activities related to this debt cease until proper validation is provided in accordance with the FDCPA. 

Please consider this request as a formal appeal for resolution and a necessary step to rectify the unjust impact this debt has had on my creditworthiness and overall well-being. 

Thank you for your prompt attention to this matter. I expect a timely response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to dispute a hard inquiry listed on my credit report, which I believe to be unauthorized. I have not applied for any credit or services from the creditor listed and did not authorize any hard inquiries on my credit report. This inquiry is inaccurate and has a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: KEYCORP
State: NY

Complaint narrative:
My New York State Department of Labor ( UI ) debit card card issued by Key Bank was somehow duplicated and used at ATM 's and at least one bank in XXXX of XXXX. 

I tried to use my unemployment debit card towards the end of XXXX of XXXX and could not access my benefit funds, I called Key Bank and they asked me if I tried to access money in XXXX, NY and the had a list of addresses such as XXXX XXXX XXXX in XXXX ( a XXXX location ), that someone was using a duplicate card to access my funds. I say duplicate, because I have never lost the card. The card was always in my possession ( I still have it! ) and I haven't been in XXXX in years. So, I never accessed an ATM or made any purchases in XXXX with the card. 

I was blocked from using my card and have since been issued a new debit card and given my money out of that account. 

The issue is that KeyBank and their fraud unit have told me they can't give me the transaction history for the XXXX usage of my account because their records only go back to XXXX. 

I need the transactions for XXXX so that I can go to law enforcement for the attempts to defraud myself and any financial institutions affected by this. 

Someone has access to the transaction history at KeyBank and I need those records for my pursuit of justice in this manor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I will be taking equifax, XXXX and XXXX to arbitration Under Unfair and deceptive practices For seeming to do what ever they want with my consumer report including furnishing transaction history and experiences Which under 15 us code 1681a is excluded from your consumer report Credit bureaus also have been asked multiple times to provide the method of verification full documentation of what was used to investigate verified accounts, which they never did and are still holding accounts they never provided proof of on my Consumer report I am giving credit bureaus thirty days before I file a claim to take them to arbitration In three days of receipt of this notice to cure this consumer report also Remove All accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If no refute of this notice is responded to in three days than this Agreement is accepted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Went to the Citibank on XXXX with my father [ XXXX XXXX ] to open a checking account. My father had Four-Certificate Checks each check was in the amount of {$2000.00} for a total of {$8000.00}. Note my father was listed as both the purchaser and The pay to the order on the checks Because the checks were made out to my father and not my name the bank president said we could deposit the checks but both parties would need to be present and bring identification We proceeded to Citibank showed our ids deposited the four checks and was told because they were certified checks all {$8000.00} would be available the next day or XX/XX/XXXX So when we could not access the account the following day [ XX/XX/XXXX ] we contacted the bank who said account was closed for fraud and it would be 60 days before our funds would be returned to me. 

I have uploaded all documents as well for your review. Please help me to get my money returned to me XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Car was repossessed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Regarding Case # XXXX I opened a claim for an unauthorized charge of {$110.00} I didnt recognize over a month ago. It was reported as soon as I noticed the charge and Capital One temporarily credited me for the amount. On XX/XX/2024, I received a letter stating that the dispute was resolved in my favor and that I would not be held responsible for the charge as part of their {$0.00} fraud liability guarantee. I have attached the document to this complaint, and also confirmed on the phone with a representative that the investigation was complete. 

I am now logging in to my account to check my balance and prepare for payment as my statement date is coming up, and I see the {$110.00} credited to me previously was reversed, making my balance negative. Capital One already confirmed to me in writing this case was resolved in my favor and I would not be held liable for the charges. They are now going back on what was promised in the official document I received and trying to hold me responsible for this charge I didnt make for an unknown reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Kindly eliminate these inquiries. I lack any insight into them, and the company acted without my approval.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX, and so on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and so on

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief