vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: American Credit Acceptance, LLC
State: TN

Complaint narrative:
In XXXX of XXXX I went into XXXX XXXX XXXX XXXX  looking to trade in my vehicle. I left the same night with a used XXXX XXXX XXXX XXXX and left my XXXX XXXX there as a trade in. Weeks later I was contacted by a man in the finance department saying I needed to come back up there and sign more papers because the loan did not go through. He began to hound me for new paystubs and I let him know that I had switched jobs.. I was helping a friend out at their music studio. He told me those check stubs would not work and that they looked fake and he could call the cops on me for fake stubs.. Basically attempting to scare me because of THEIR mistake! I checked with the bank my XXXX XXXX loan was through, and they had already paid off the loan on my trade in. So I then asked him where my trade in was because at this point if you cant get me approved and its been weeks just give me my car back and take yours back. He then told me it was gone. Great. So now theres no XXXX XXXX to give back to me & theres an unfinanced XXXX XXXX nothing gets resolved. Fast forward to months later XX/XX/XXXX I am contacted by a XXXX finance person. He says hey come up here I need you to sign these papers. When I get to the dealership I ask where the other finance guy was. I was told he was fired for not handling things properly with not just me, but several other customers as well. I was told if I wanted to keep the car Id have to sign and finance it but what other choice did I have? Theyd already SOLD my trade in! So now Im stuck in a terrible auto loan that I feel I was pressured into under false pretenses. I have copies of text messages ( from both finance guys ) as well as my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX 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

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 2025-01-02 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$4800.00} Chargeoff XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$52000.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$12000.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$10000.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$13000.00} Chargeoff

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 2025-01-02 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: OK

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
All XXXX credit bureaus have my student loans on my account which have been closed and forgiven and on top of that my XXXX credit card which is closed is still on there and its affecting me for loans, or really anything I need. Also XXXX is to blame also. I just want it off my credit report and to help my score rise! Thank you!

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
All XXXX credit bureaus have my student loans on my account which have been closed and forgiven and on top of that my XXXX credit card which is closed is still on there and its affecting me for loans, or really anything I need. Also XXXX is to blame also. I just want it off my credit report and to help my score rise! Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HOPE THIS LETTER FINDS YOU WELL. 

I AM WRITING TO REQUEST THE REMOVAL OF UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT HELD BY TRANSUNION. UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL INQUIRIES THAT I DID NOT AUTHORIZE OR INITIATE. THESE UNAUTHORIZED INQUIRIES ARE CAUSING CONCERNS ABOUT THE SECURITY OF MY PERSONAL CREDIT INFORMATION. THE UNAUTHORIZED INQUIRIES APPEAR AS FOLLOWS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE NOTE THAT THESE INQUIRIES WERE PREVIOUSLY REMOVED, AND THEIR REAPPEARANCE IS CAUSING SIGNIFICANT DISTRESS. I UNDERSTAND THAT TRANSUNION VALUES THE ACCURACY AND INTEGRITY OF CREDIT REPORTS. UNAUTHORIZED INQUIRIES CAN NEGATIVELY IMPACT MY CREDITWORTHINESS AND FINANCIAL SECURITY. TO RESOLVE THIS MATTER EFFICIENTLY AND AVOID UNNECESSARY COSTS ASSOCIATED WITH LEGAL PROCEEDINGS, I AM PROPOSING A MUTUALLY BENEFICIAL RESOLUTION. 1. **REMOVE THE UNAUTHORIZED INQUIRIES** : I REQUEST THAT TRANSUNION PROMPTLY REMOVE THE UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT TO RECTIFY THE INACCURACIES AND ALLEVIATE ANY POTENTIAL HARM TO MY CREDITWORTHINESS. 2. **COOPERATION AND GOODWILL** : IN RETURN FOR TRANSUNION 'S COOPERATION IN REMOVING THESE UNAUTHORIZED INQUIRIES, I AM WILLING TO FORGO ANY FURTHER ACTIONS, INCLUDING ARBITRATION OR LEGAL PROCEEDINGS, RELATED TO THIS MATTER. I BELIEVE THAT PROMPT ACTION ON THIS ISSUE WILL BENEFIT BOTH PARTIES AND MAINTAIN THE ACCURACY OF MY CREDIT REPORT WHILE AVOIDING UNNECESSARY COSTS AND POTENTIAL LEGAL DISPUTES. I KINDLY REQUEST THAT TRANSUNION RESPOND TO THIS LETTER WITHIN 72 HOURS OF RECEIPT TO CONFIRM YOUR WILLINGNESS TO COOPERATE AND REMOVE THE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER, AND I LOOK FORWARD TO A TIMELY RESOLUTION. 

SINCERELY, XXXX XXXX THANK YOU

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HOPE THIS LETTER FINDS YOU WELL. 

I AM WRITING TO REQUEST THE REMOVAL OF UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT HELD BY TRANSUNION. UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL INQUIRIES THAT I DID NOT AUTHORIZE OR INITIATE. THESE UNAUTHORIZED INQUIRIES ARE CAUSING CONCERNS ABOUT THE SECURITY OF MY PERSONAL CREDIT INFORMATION. THE UNAUTHORIZED INQUIRIES APPEAR AS FOLLOWS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE NOTE THAT THESE INQUIRIES WERE PREVIOUSLY REMOVED, AND THEIR REAPPEARANCE IS CAUSING SIGNIFICANT DISTRESS. I UNDERSTAND THAT TRANSUNION VALUES THE ACCURACY AND INTEGRITY OF CREDIT REPORTS. UNAUTHORIZED INQUIRIES CAN NEGATIVELY IMPACT MY CREDITWORTHINESS AND FINANCIAL SECURITY. TO RESOLVE THIS MATTER EFFICIENTLY AND AVOID UNNECESSARY COSTS ASSOCIATED WITH LEGAL PROCEEDINGS, I AM PROPOSING A MUTUALLY BENEFICIAL RESOLUTION. 1. **REMOVE THE UNAUTHORIZED INQUIRIES** : I REQUEST THAT TRANSUNION PROMPTLY REMOVE THE UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT TO RECTIFY THE INACCURACIES AND ALLEVIATE ANY POTENTIAL HARM TO MY CREDITWORTHINESS. 2. **COOPERATION AND GOODWILL** : IN RETURN FOR TRANSUNION 'S COOPERATION IN REMOVING THESE UNAUTHORIZED INQUIRIES, I AM WILLING TO FORGO ANY FURTHER ACTIONS, INCLUDING ARBITRATION OR LEGAL PROCEEDINGS, RELATED TO THIS MATTER. I BELIEVE THAT PROMPT ACTION ON THIS ISSUE WILL BENEFIT BOTH PARTIES AND MAINTAIN THE ACCURACY OF MY CREDIT REPORT WHILE AVOIDING UNNECESSARY COSTS AND POTENTIAL LEGAL DISPUTES. I KINDLY REQUEST THAT TRANSUNION RESPOND TO THIS LETTER WITHIN 72 HOURS OF RECEIPT TO CONFIRM YOUR WILLINGNESS TO COOPERATE AND REMOVE THE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER, AND I LOOK FORWARD TO A TIMELY RESOLUTION. 

SINCERELY, XXXX XXXX THANK YOU

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
All XXXX credit bureaus have my student loans on my account which have been closed and forgiven and on top of that my XXXX credit card which is closed is still on there and its affecting me for loans, or really anything I need. Also XXXX is to blame also. I just want it off my credit report and to help my score rise! Thank you!

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-02 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: TX

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : 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 2025-01-02 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: LA

Complaint narrative:
Equifax has filed negative information on my account for 7 years, limitations are expired, I've filed with the fcc attorneys General office of their state, fcra, violation, must be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX XXXX XXXX on my credit report. Please find the attached copy of my credit report with the relevant account highlighted for reference. This account contains multiple inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically : Violations of the FCRA 1. Inaccurate Account Status : o The account is listed as " open, '' but it has been closed and is in collections. This misrepresentation violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy in reporting.

2. Inaccurate Past Due Balance : o The account reflects a past due balance, which is incorrect for an account that has been charged off and sent to collections. This reporting is inaccurate and unfairly impacts my creditworthiness. Actions Requested Under 15 U.S.C. 1681i, I req
uest that all 3 credit bureaus 1. Investigate the inaccuracies related to the account status and past due balance.

2. Remove the inaccurate information.

3. Provide a written response detailing the outcome of your investigation within the required 30 days.

Supporting Documentation I have attached the following for your review : 1. A highlighted copy of my credit report showing the inaccuracies. 2. Relevant correspondence/docu
ments to verify my claims, if applicable.

Legal Obligation If the furnisher of information can not verify the accuracy of the account, the disputed information must be removed per 15 U.S.C. 1681s-2. Failure to address these inaccuracies promptly could result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies.

I appreciate your attention to this matter and look forward to receiving confirmation of the resolution within the statutory timeframe. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-02 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: IL

Complaint narrative:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

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 2025-01-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Bought a car from XXXX XXXX, a third party obtained my information ( XXXX  ) XXXX XXXX XXXX XXXX XXXX and has reported to the credit bureaus that I did not pay them even though I have sent the lien release showing on XX/XX/year> I paid my car off and it was released from any lien from XXXX XXXX  who I had a contract with. 
I have requested multiple times from XXXX to provide any documents with my signature and them not XXXX inwhich I had an agreement for an additional loan on my vehicle. They have failed to provide that. Several complaints have been made to XXXX  and attorney general as well as requesting credit reporting to remove it and asking same documents. I have still not received any documents between XXXX  and I that has mine or my husband 's signature on it with them. They are not part nor do they own 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 non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Bought a car from XXXX XXXX, a third party obtained my information ( XXXX  ) XXXX XXXX XXXX XXXX XXXX and has reported to the credit bureaus that I did not pay them even though I have sent the lien release showing on XX/XX/year> I paid my car off and it was released from any lien from XXXX XXXX  who I had a contract with. 
I have requested multiple times from XXXX to provide any documents with my signature and them not XXXX inwhich I had an agreement for an additional loan on my vehicle. They have failed to provide that. Several complaints have been made to XXXX  and attorney general as well as requesting credit reporting to remove it and asking same documents. I have still not received any documents between XXXX  and I that has mine or my husband 's signature on it with them. They are not part nor do they own 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