vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 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: OR

Complaint narrative:
The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

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 2023-09-15 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: OR

Complaint narrative:
The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-09-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit
State: CA

Complaint narrative:
On XX/XX/2023 I call VW credit Inc to get a payoff and they advised to me that they can only give an about and not a per Diem even to the customer. Also wouldnt release a payoff in tell I gave the name and f the company that I was requesting it for even though I am the customer. And still the company. Refuses to give me a full pay off. Also refused to give me pay off instructions. I spoke with XXXX XXXX that refuses to give a payoff unless I gave dealer information. And then spoke with XXXX XXXX  XXXX that also refused to give me a payoff. Also advise I had to write in to file a complaint with this service of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, Please see attached - theres incorrect information on my credit report that needs to be corrected. 

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 2023-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: General Motors Financial Company, Inc.
State: IA

Complaint narrative:
I had a car with GM finacial. I have never been late on payments. The car was in the shop for months. I never got a notice of when it was expected to be out of the shop. The shop contacted me to pick up the vehicle. I was out of town for work and could not make it back in the same week. They contacted gm finacial and gm finacial voluntary repossessed my vehicle without my consent or any notice at all. Then sold my car at auction and charged me for the remainder of the loan. Not giving me any payment options and automatically charging it off. Compleatly ruining my credit. The representative was rude and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: GA

Complaint narrative:
I have recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. Thanks in advance

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 2023-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received a car insurance claim payout from XXXX to my Venmo account to amount of around {$6500.00}. After receiving the payout they froze the account. They have given me no reason as to why the account was frozen and said I would receive an email concerning the situation in 7-10 business days. I never would have had the money deposited onto Venmo had I known there was a possibility of them freezing my account for absolutely no reason. Because I was unable to access my funds to buy a new car I lost my job which was very well paying relative to my past jobs. Venmo continued to hold this money and now I am unemployed without income and without transportation, and now face eviction. Venmo literally ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a credit card with Capital One prior to the pandemic shutdown. In XXXX XXXX  XXXX I was rushed into XXXX XXXX and spent the rest of the year healing combined with the fact I lost my job like millions of others due to the pandemic. I was behind on payments until XX/XX/XXXX when I paid off the balance completely via the mobile app I used to have for Capital One. It's now XXXX and the balance is still being reported as unpaid on my credit report and it has apparently been given over to collections illegally due to the balance already having been paid. This is severely affecting my ability to get other credit, cars or housing. I understand that this may be a system oversight so I am asking that Capital One update the balance to reflect as paid since XX/XX/XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I was issued a visa card that I never applied for. I called the company that was reported on my credit. They refused to give me any information about this account. They could not provide any information on what the bill was for. I went on their website to learn it is a yearly fee for the card services of XXXX. They couldn't tell me that. The card was never activated and I let them know that I felt like this was a scam and demanded them to send me all documentation to show me this account and my signatures. I spoke to a supervisor and told him I would be reporting him if I didn't get this info and close this account. They hung up on me and reported the late payment to my credit bureau and it caused a XXXX point drop on my credit for their one late payment of XXXX. I never got the information I requested but I did get a letter stating that they canceled this card due to fraud but I'm still responsible for the fees. They are still reporting to my credit that it's an open card and now the balance has more than doubled in 1 month. This is devastating due to the fact that I am trying to get a financial license and my credit is crucial and this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
I am writing to complain about United Collections Bureau Inc., a debt collector that has been violating the Fair Debt Collection Practices Act ( FDCPA ) by sending me payment request letters after I have already told them to stop contacting me about payments for the debt ( which I have kept a recording of ), and to provide a debt verification letter and to consider the debt in dispute until further notice. 

Despite my request, United Collections Bureau Inc. continued to send me payment request letters. I have kept a recording of all of my conversations with United Collections Bureau Inc., and I have proof that I requested them to stop contacting me. I have also kept the post mark dates on the multiple letters. 

I am requesting that the Consumer Financial Protection Bureau investigate United Collections Bureau Inc. and take appropriate action to protect consumers from this company 's unfair and abusive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am refilling this complaint to JPMCB CARD for allowing fraudulent accounts on my credit report and for no corrective actions taken on these fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
When i was younger I had some personal struggles and it left me without of debt. Since Ive turned my life around 9 years ago I still struggle with raising my credit score. It got so bad that I had to file for XXXX XXXXXXXX bankruptcy. Since then its been impossible for me to get get a credit card even through I have maintained full time employment and make well over {$75000.00} a 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 explanation
Consumer complaint received 2023-09-15 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-14 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:
Equifax, Please see attached - there are innacurracies on my credit report that need to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: FL

Complaint narrative:
XX/XX/2023 reviewed my credit report for accuracy and reporting and seen they were multiple accounts with inaccurate reporting, Ive sent the credit bureaus multiple letters ( XX/XX/XXXX, XX/XX/XXXX ) requesting to fix improper reportings, or have it removed, Ive received multiple letters regarding issues were fixed and accurate but I am still having issues because account accuracy still shows improper and have requested multiple verifications for investigation, and have not yet received, or seen change.i seek immediate resolution. 
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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2023 reviewed my credit report for accuracy and reporting and seen they were multiple accounts with inaccurate reporting, Ive sent the credit bureaus multiple letters ( XX/XX/XXXX, XX/XX/XXXX ) requesting to fix improper reportings, or have it removed, Ive received multiple letters regarding issues were fixed and accurate but I am still having issues because account accuracy still shows improper and have requested multiple verifications for investigation, and have not yet received, or seen change.i seek immediate resolution. 
-XXXX  account number XXXX XXXX XXXX XXXX account number XXXX -XXXX  account number XXXX -XXXX  account number 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 2023-09-14 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am refilling this complaint to XXXX for XXXX fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
This is a very predatory company. I took out a loan for {$3600.00} with this company in XXXX. I have paid more than 3-4X this amount and the balance is still showing as {$3400.00}. In XXXX  I lost my job and entered an agreement with the company-NetCredit Temporary Payment Relief Plan and despite this they still reported me late even though I had the payments on auto pay and they were on time. 

Not only this but they have unethical and illegal credit reporting practices. For example, sometimes I will login to make the payment the same day and the website won't allow me to make a payment unless I schedule it out several days which will result in me being reported late to the bureaus. They have also incorrectly reported the amount of the late payment. 

As I stated I have been paying this loan for years and none of the money paid is hitting principal, only interest and I am constantly hit with late payments on my report which has significantly damaged my credit and has made it impossible for my family and I to purchase a home. 

I would like for the hard earned money that I've paid be applied to the principal of the loan as well as the late payments removed from my credit report. 

I'd been doing some research and it is clear that Netcredit has a pattern and history of this and I am considering filing a class action lawsuit as well as go to the news station. This is predatory and very unethical. I can't believe this company is able to get away with this. I am no longer going to accept this lying down and will file with more regulatory agencies to prevent others from going through this. 

If an attorney sees this, please contact me. I know a few others willing to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
They still have refused to show me any original contract showing proof of debt owed further more I think it is ridiculous that they are allowed to verify dept without showing other parties what is being used to validate such dept

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Credit was ran for car loan several times, I did try to dispute it and nothing has happen with this. My credit has been destroyed I may not have XXXX but what I do have I work hard for. I would like for this information to be removed from my credit so that I can keep the score that I do have. I would like the inquires removed off my report.

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