vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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: CA

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation! 
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 2024-08-16 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete from my credit report. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


6. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 


7. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account.. 


9. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete from my credit report. 


11. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete from my credit report. 


12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


13. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 


14. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Delete this account.

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 2024-08-16 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: GA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-08-16 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: GA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-08-16 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: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Credit Acceptance Corporation regarding a fraudulent and unresolved issue with a vehicle purchase financed through them. Despite my repeated requests for the appropriate paperwork and resolution, the situation remains unresolved and has significantly impacted my life and credit history. 

On [ Purchase Date ], I purchased a vehicle through a dealership that was financed by Credit Acceptance Corporation. Unfortunately, the vehicle turned out to be a lemon, with numerous mechanical issues that rendered it unreliable and unsafe. I requested Credit Acceptance Corporation to repossess the vehicle due to its condition and the fact that it was sold to me under false pretenses. 

Despite my request, Credit Acceptance Corporation failed to repossess the vehicle and did not provide any assistance or resolution. As a result, I have been burdened with the financial responsibility for a non-functional vehicle for over XXXX years, adversely affecting my XXXX XXXX and overall financial well-being. 

I have attempted to resolve this matter directly with Credit Acceptance Corporation by requesting the removal of this debt from my credit report. Unfortunately, my requests have been ignored, and the incorrect information remains on my credit report. 

I believe the paperwork and terms provided by Credit Acceptance Corporation to be fraudulent and misleading. The documentation does not accurately reflect the condition of the vehicle or the terms initially agreed upon. 

I am seeking your assistance to investigate this matter thoroughly and facilitate the removal of this debt from my credit report. If this issue is not resolved promptly, I am prepared to take legal action against Credit Acceptance Corporation for their fraudulent practices and the financial harm they have caused me. 

I am providing all relevant documentation and correspondence related to this matter for your review. I kindly request that you investigate this situation and help ensure that Credit Acceptance Corporation addresses this issue fairly and legally. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX asking for your help to address this incorrect account on my credit report. XXXX raising this issue because it has harmed my reputation, and I urgently need your assistance. Your mishandling of my credit report has brought me to my knees, as the false information has tarnished my reputation. These errors must be corrected so I can continue to live peacefully with my family.

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 2024-08-16 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: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime checking account was supposed automatically transfer {$83.00} to finance account but there was a error with the system file dispute and file again they own me and my mother money from 2022 and last year {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My Identity has been stolen in the past. Ive sent in supporting documentation to all 3 Credit bureau who has investigated and verified that I was victimized and the removed all unauthorized accounts from my reports until recently. I just noticed that all previous removed accounts has been placed back onto my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed 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 2024-08-16 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: NV

Complaint narrative:
in according with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 
15U.S.C1681 section 602A States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it Also state a consumer reporting agency can not furnish an account without my written instructions.

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 2024-08-16 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: NV

Complaint narrative:
n 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.

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 2024-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I purchased my home XX/XX/XXXX of XXXX. Since then I have made substantial upgrades to the home including adding a bathroom addition, full kitchen remodel, landscaping and more. I had the home reappraised ( appraisal attached ) and it came in well over at {$XXXX} ( XXXX over ) the needed 20 % to remove the PMI I am paying. 

On XX/XX/year> I called Lakeview LoanCare Services and requested that my PMI be dropped and asked how I submit my appraisal for review. The woman on the other end explained that they could not use my appraisal. I must use someone from their team specifically for either a BPO inspection or a new appraisal. A BPO isn't a legally binding document so I was confused how that would XXXX my appraisal but she said I could give it to their BPO inspector for review at time of inspection. I then asked if I could go ahead and schedule the BPO inspection. She said based on my online portal I only had XXXX in equity in my home. I explained thats correct, it does not take into account any of the work that has been done hence the new appraisal. She said that in order to have the BPO inspector come out I had to submit a request to remove my PMI over the phone. I then had to wait 20 days to get a letter in the mail either approving my PMI removal or declining it. I asked how it would get approved without them seeing the home and obviously it wouldn't. So I have to wait 20 days for a denial letter. The denial letter will then explain my options to move forward with the BPO or the appraisal from someone from their team. I can then call back, wait on hold all over again, pay in advance and then request the inspection to be scheduled in the next few weeks.

I then logged back into my account today ( see screenshot ) and it says my home is worth {$310000.00} with XXXX equity. I purchased the home for {$360000.00}. Last week on XX/XX/year> my home had {$10000.00} in equity making my home worth {$360000.00} according to Lakeview without my home improvements being accounted for ( which evidence of was recorded on my call with Lakeview ). Somehow in 6 days AFTER making the request to remove my PMI my home value has dropped around {$50000.00}? 

This process will take well over a month which is basically just a scam for me to continue paying the PMI for at least another month if not more.

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 2024-08-16 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My credit report notified me that TD Bank retail card services changed my payment history in XXXX and XX/XX/XXXX to 30 days late and 60 days late, respectively. I have had no balance on the card since XXXX. I have every statement showing showing no account activity, no purchases and no balance due. Because of this error, my credit score has dropped approximately XXXX points. When I reach out to TD retail services, they tell me theres nothing they can do. They went back in time over one year and randomly changed my payment history for no reason. This is the second time this has happened and has also happened in XXXX. This company keeps reporting incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: AZ

Complaint narrative:
In XX/XX/year> I was contacted by Absolute Resolutions Investments LLC advising me of a debt they purchased from XXXX XXXX. On XXXX XXXX I provided them documentation from my XXXX XXXX  online account showing XXXX XXXX is indicating XXXX balance and risk balance paid, I asked them to validate the debt. I never heard from Absolute Resolutions Investments LLC with validation of debt within the 5 days required. The next thing I know is I'm being contacted by a collections law firm XXXX XXXX XXXX threatening law suit if I do not pay and wanting me to sign a Confession of Judgment ( which I did not sign ). I set up payment arrangements to avoid court and requested they validate the debt with Absolute Resolutions Investments. XXXX XXXX XXXX  sent validation request to Absolute Resolutions Investments LLC in XXXX, and returned to me XXXX of the XXXX I paid. They have not heard from Absolute Resolutions Investments LLC. This is on my credit report as a collections. Please assist. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
To Whom It May Concern : I am writing to formally complain about TransUnion 's failure to properly reinvestigate inaccurately reported late payments on my credit report associated with my XXXX account, number XXXX. These errors are negatively impacting my credit score.

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( 4 ) ( 0 ) ), TransUnion is required to conduct a thorough reinvestigation when a consumer disputes the accuracy of the information in their credit report. Despite my disputes, the following payment records are incorrectly reported on my credit report : XX/XX/XXXX : 30 days late XX/XX/XXXX : 30 days late These inaccuracies must be corrected, and I request their immediate removal from my credit report. 

I formally request that TransUnion provide me with a copy of the reinvestigation report, including detailed documentation and evidence that justifies the conclusion of the investigation. It is crucial for me to understand how the reinvestigation was conducted and to verify that the procedures followed were appropriate and that the final decision is based on concrete and verifiable evidence.

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 2024-08-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
RADIUS GLOBAL SOLUTION Reported a debt regarding XXXX to the credit bureu and it has drastically reduced my credit rating. I was never contacted and the debt is not mine. I reported it to them and to the cedit bureu.

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 2024-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX incorrectly reported several late payments on my student loan account during the periods my loan was in forbearance. I contacted XXXX and was told to contact the consumer reporting agencies directly. I disputed the incorrect late payments with Transunion and XXXX. I sent them my account history that was received from XXXX which shows the dates of forbearance. However, the dispute results from both companies continues to show multiple inaccurate late payments. They have not resolved my dispute and continue to report incorrect information despite having correct information. They are willfully harming my credit score and ability to obtain credit and fair interest rates.

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