vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
THESE INQUIRIES ON MY CREDIT REPORT WAS NOT UNTHORIZE BY ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2023-09-05 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I am filing a complaint because I believe that Bridgecrest breached our legally binding agreement and violated my rights have been violated under the FCRA. I had a loan with Bridgecrest for a XXXX XXXX XXXX and I purchased a GAP insurance policy with a company also owned by Bridgecrest. I was involved in a car accident on XX/XX/XXXX that resulted in the XXXX being deemed a total loss. I know for a fact that on XX/XX/XXXX XXXX paid out the claim to Bridgecrest. On or about XX/XX/XXXX I was told by an agent of Bridgecrest that the remaining balance would be paid out by my GAP insurance policy. In XXXX of XXXX I was made aware that the GAP policy had only paid less than half of the remaining balance and that Bridgecrest immediately charged-off the remaining amount without ever making any attempt to collect on the debt or notify me that any balance was left. I was lied to by the agent and my policy that I paid for did not pay out what I was owed. This has done significant damage to my credit and has defamed my character to banking institutions and lenders. It makes me look as if I dont pay my debts, even though the debt should have been paid in full immediately after the accident. I was denied a bank account due to this inaccurate reporting and my reputation has been tarnished with this institution. I am asking that Bridgecrest be made to honor the contractual agreement that we made and delete this inaccurate account from my credit reports. If this matter is not resolved quickly, I will be seeking legal action against Bridgecrest for Defamation of Character and Breach of Contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: LA

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 explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Dear Sir/Madam : I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint FTC Report NumberXXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$7900.00} XXXX XXXX XXXX Balance {$160.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX {$0.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XX/XX/XXXX - Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry XXXX XXXX XXXX. XXXX, XXXX - INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - INQUIRY XXXX XXXX. XXXX, XXXX - INQUIRY

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Dear Sir/Madam : I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint FTC Report XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXXXXXX XXXX XXXXXXXX {$7900.00} XXXX XXXX XXXX Balance {$160.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX {$0.00} XXXX XXXX {$2700.00} XXXX XXXXXXXX XXXX XXXX {$2300.00} XXXX XX/XX/XXXX - Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry XXXX XXXX XXXX. XXXX, XXXX - INQUIRY XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX - INQUIRY XXXX XXXX. XXXX, XXXX - INQUIRY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i opened a XXXX checking account with capital one. and deposited XXXX into the account thru ACH transfer from my other personal account. Right after the fund was received by capital one. they put a hold on my fund and require me to go to their branch for ID verification. i think it is unnecessary and unreasonable. When i opened the account i already verified my identity. I also verified where the fund was coming from. I called the bank to ask for help to remove the hold but they refused to help me and kept telling me to go to their branch. I told them I wouldnt mind going to their branch if they could give me an explainable reason. but they couldnt provide me with the info then I requested them to close my account and refund my money. they told me theyre not going to close it. so to my understanding ive just got scammed by capitalone and theyre holding my money for the bank interest,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC
State: NM

Complaint narrative:
On signing a contract on XX/XX/2023 ( Loan Max Title Loan in XXXX, NM ) for a loan using my automobile as collateral I was not told in explanation that {$100.00} per month extra would be added to cost to insure the vehicle, this above and beyond the interest charge. At no point did the agent ask for any proof of vehicle insurance of any kind, nor was the extra charge for further insurance stressed verbally. The clause covering this was not pointed out on signing. Not only is this an unexpected extra charge but it is also outrageously overpriced. Signing was performed on a computer screen, not on a drawn- up paper contract, and the process was somewhat hurried due to the number of pages to be signed/initialed. It was done 'sign here/initial here '. I've no problem with paying the interest charge, that was expected. I do, however, feel 'blind-sided ' by the extra monthly {$100.00} charge for insurance on the vehicle. If I had been aware of the extra cost I would NOT have taken out the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: MD

Complaint narrative:
Hard Inquiries need to be removed from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-05 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: MD

Complaint narrative:
Hard Inquiries need to be removed from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-05 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: CA

Complaint narrative:
The the company XXXX XXXX was removed from my account all of a sudden its back on my account this company is totally a scam they put Negative information on my account Made up two different contracts one which wasnt signed by me they need to be deleted from my credit history and all the negative removed Immediately

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft in NY. The company XXXX XXXX opened an account in XXXX, in my Name XXXX XXXX My Last name is from my first married now XXXX XXXX. I moved to Florida, and I have been here in Florida since XXXX. I do not have an idea who opened an account and why XXXX XXXX did not ask for Identification from the person who called for service. I know about it because I am in the process of buying a house and I am monitoring my credit score via credit karma. I saw that in my record, and I immediately called XXXX XXXX and they referred me to the agency of collection Online information service. 
I called the agency of collection, and they gave me the information. I let them know that couldn't be me because I moved to Florida in XXXX. They gave me instructions on what to do, file a police report, and send a copy of my driver 's license, and proof of address by the time the account was open. 
I sent all the information that they asked me for, and I received a letter saying that they had received the information. 
I really need them to remove that information from my records as soon as possible. 
Thank you so much for your support! 

sincerely. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On Friday XX/XX/XXXX I received an email letting me know that my Spend account was frozen for my protection. I received my direct deposit Friday night and was due to pay rent on that date.When I contacted Credit Karma XX/XX/XXXX I was advised to wait for an email for next steps to unlock my account. Today is now XX/XX/XXXX and I have contacted the bank 10+ times for an update and have been unsuccessful. I still have no idea why my account was frozen and I have explained the urgency ( rent due ) to 2 Supervisors who advised me to continue to wait for an email despite not being able to provide me a time frame to receive said email. I was hung up on twice today and told that there is nothing I can do to access my funds or close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient posted incorrect late payments on my credit reports. I was unable to qualify for a home and this issue has been devastating to me and my family. Starting in XXXX, Navient promised to remove two last payments if I made three timely payments in a row. They did not correct the issue. Furthermore, they also confirmed that my loan was approved for forbearance between XXXX to XX/XX/XXXX. My accounts still show 5 late payments on them each. I have contacted them multiple times and have had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: Upstart Holdings, Inc.
State: MI

Complaint narrative:
I am a victim of identity theft. I have supplied all the documentations needed for these companies. These companies are in VIOLATION of 15 U S C 1681 ( E ) and 15 U S C 1666. They are reporting to my credit reports improperly. I request that the information in inaccuracy is deleted from my credit report. The accounts are Upstart/Network Account # XXXX reporting to XXXX charged off balance {$9100.00} with last activity of XX/XX/XXXX  and XXXX charged off balance {$8300.00} with last activity of XX/XX/XXXX  also Upstart/Finewise account # XXXX charged off amount {$2900.00}. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: MS

Complaint narrative:
I told the Experian, XXXX, and XXXX to reinvestigate these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-09-05 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: LA

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX  there were two atm transactions for {$63.00} at an atm in XXXX XXXX XXXX. Having never been there I filed a claim with the bank ( Wells Fargo ). Wells Fargo investigated the transaction and wrote me a letter telling me they determined either myself or someone with my permission had used the atm in XXXX. I immediately called and asked how they had that determination and they said the atm showed that the card was used and therefore it had to be. I asked them to explain how that happened when I was with my card in XXXX XXXX  and they couldnt provide that information. Obviously if this can happen once it can happen again with a much larger sum of money and since the bank wont remedy this situation Im not sure what to do next.

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 2023-09-05 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: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

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 2023-09-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This happened like 7 years ago! 

i returned a phone before the 14 days grace period to return such a device, XXXX XXXX NEVER COMPLETED THE RETURN, 5 YEARS LATER THEY SEND ME THE BILL FOR THE PHONE THAT I RETURNED 5 YEARS BEFORE THEY ACTUALLY SENT ME TO COLLECTION, NOW MY CREDIT WENT DOWN THE HILL TO THE XXXX! LESS XXXX POINTS! FOR SOMETHINH THAT I DOT HAVE AND THAT I NEVER USED IT!!!!!!!!!!!!!!!! THIS IS HORRIBLE! I NEEE HELP TO REPAIR MY CREDIT, TRY TO CONTACR XXXX AND IS PTRACTICALLY IMPOSSIBLE, THEIR WEBSITE DOES NOT WORK! 

THIS IS HOW IT APPEARS ON MY CREDIT FILE Collections XXXX I.C. System, Inc XXXX to 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 2023-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
this complaint is for trans union I want to dispute an error on my credit report. The agency XXXX XXXX XXXX, put me in collection that reflects on my transunion credit report, stating that I owe them {XXXX}. I contacted them but they dont want to give me info whether this amount is from an credit card or a loan. They insist that I have to pay them. I let them know I have proof that I was a victim of identity theft .But they refused to accept any proof, they keep insisting that I have to pay them. 
Im requesting to get the collection removed from my account.

Im attaching, a copy of the police report of identity theft, residential, I live at the same address XXXX  agreement, account services /XXXX a proof of residency.

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