vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-31 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: IL

Complaint narrative:
Pursuant to FCRA, Transunion credit bureau must furnish true and accurate information reported on the consumer. Transunion is required to obtain the original contract with the consumer 's wet signature to furnish a report on the consumer. XXXX XXXX XXXX has been reporting delinquent account information on to my credit report to harm my reputation and credit worthiness. I have never had any relationship with XXXX XXXX XXXX. I have disputed this account with Transunion more than once and Transunion has refused to validate the debt. Subsequently, the incorrect account has remained on my credit report. 

XXXX XXXX XXXX has sent written documentation confirming that an unlawful purchase in violation of the Privacy Act of 1974 took place of my personal identifiable information. XXXX XXXX XXXX is a third party, not a party affiliated with any agreement with XXXX XXXX, who is engaging in unlawful debt collection practices to harass consumers in to making payments towards fraudulent contracts. 

XXXX XXXX XXXX has provided documentation stating that the collection attempts are for a contract XXXX XXXX XXXX is not a party to. Failure to provide a written contract between XXXX XXXX XXXX and XXXX XXXX make the fraudulent relationship void ab initio. 

XXXX XXXX XXXX has kept record of my personal identifiable information without my consent. 

XXXX XXXX XXXX has made an unlawful purchase of my personal identifiable information with XXXXXXXX XXXX to engage in unfair and abusive debt collection practices. 

XXXX XXXX XXXX has furnished false reports to at least 3 credit bureaus, including Transunion, XXXX, and XXXX, to harm the reputation of consumer XXXX XXXX without lawful proof of any debt obligation. 

All bureaus have willfully neglected their federal obligation to validate each debt before furnishing a report on the consumer.

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 2023-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: LA

Complaint narrative:
Several attempts were made to withdraw money from my account. My bank failed to flag the unauthorized transactions until after the fact. Over {$500.00} was taken, I had to wait til the transaction was finished processing before I could dispute the transaction. A dispute was filed, and an investigation is pending. There needs to be a higher level of security

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: Grain Technology, Inc.
State: LA

Complaint narrative:
In accordance with a fair credit report act Grain Technology has violate my rights. I never owe any company nothing I was incarcerated around this time I report this incident is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I trust this message finds you well. My purpose in writing to you today is to bring attention to a matter of significant concern regarding the contractual agreement associated with my recent vehicle purchase from XXXX XXXX, an affiliate dealership of Credit Acceptance. 

On XX/XX/XXXX, I entered into a financing arrangement for a XXXX XXXX XXXX, with XXXX miles on the odometer. While I understand that financing comes with associated costs, it has come to my attention that I may have fallen victim to what is commonly referred to as " payment packing. '' The disclosed cash price for the vehicle, an exorbitant {$11000.00}, raises serious questions about the transparency and fairness of the transaction. My independent research indicates that the market value of the XXXX XXXX XXXX, with similar mileage, is considerably lower than the amount I was charged. 

Upon inquiring about purchasing the vehicle outright with cash, I was informed that the cash price would be higher but not to the extent reflected in the contract. This lack of clarity and transparency is deeply troubling. 

The itemization in the amount financed on the contract further reveals inconsistencies. It shows that XXXX XXXX sold me the vehicle through Credit Acceptance for {$10000.00}, while the service contract or warranty indicates that the car was sold for {$10000.00}. This discrepancy in the recorded sale price contributes to a sense of confusion and reinforces concerns about the accuracy of the information provided.

These discrepancies, coupled with the apparent inflation of the vehicle 's cash price, align with concerns raised in the case filed by the New York Attorney General and the Consumer Financial Protection Bureau ( CFPB ) against Credit Acceptance. As a consumer, I believe these actions may be in violation of the Consumer Financial Protection Act ( CFPA ). 

According to 12 U.S.C. 5536 ( a ) of the CFPA, it is considered a violation for any covered person or service provider to engage in any unfair, deceptive, or abusive act or practice. I am reaching out with the hope that we can address and rectify these concerns promptly and amicably.

I kindly request a thorough review of the discrepancies mentioned and a transparent explanation of the pricing structure associated with my purchase. Additionally, I am open to discussions aimed at reaching a fair resolution that aligns with consumer protection laws.

Your prompt attention to this matter is highly appreciated, and I look forward to your timely response.

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 2023-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: VA

Complaint narrative:
XX/XX/XXXX had XXXX XXXXXXXX and XXXX XXXX XXXX in XXXX, never submitted the claim to my health insurance for payment. In XXXX Capio Partners calls and sends me texts to resolve my balance that they claim I owe. 

I advised them that it's been past the 2 years statute of limitations, they can legal collect and since XXXX didn't file with the insurance company and under the insurance company and XXXX XXXXs contract that XXXX can't collect of the debt. 

XXXX sold the debt to Capio Partners and Capio wants to make money on me, and I have asked for Capio to verification of debt or copy of the judgment entered against me, I want the know the validity of this debt or any portion of it. I have been unable to get that information from them, but continue to receive text massages and calls from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been battling XXXX XXXX XXXXXXXX this past year and have had limited access to internet, email, and mail communications. I have notified my bank and requested all communications be sent via text alerts, messages, or calls. I have added every alert I was able to on my accounts. Despite this both my business account ending in XXXX and personal account ending in XXXX ( the latter I have had for over 40 years ) ( And the former for almost 25 years ) were abruptly closed @ 10 days ago without any notification via call text, or message. As soon as I noticed this I called and have been unable to gain access to my transaction history which they have denied me despite the rules state they have to give me access to my closed accounts for 90 days. I have been a customer in good standing all those years, a couple of months ago an older wealthy patient sent me a check for {$10000.00} that he had inadvertently missed some withdrawals such that there were insufficient funds in the account at the time the transfer. But he quickly rectified the situation and Wells Fargo had left a note that they would try to recover the amount again in 3 weeks but apparently tried to recover the funds a week or two early when the patient had just rectified the situation and the monies had not yet posted and the bank claimed to have returned the check to his bank which his bank never received it and it took a few months to sort it all out and get the money rewired to my account. During that period of time all XXXX broke loose with my accounts and despite my attempts at the Bank with my manager who also saw that the bank had said it would retry to cash the check in 3 weeks it then changed its mind and supposedly sent the check back. Bottom line is that when an account is closed I am supposed to have 90 days to access the transactions and transaction history which has been denied to me after these accounts were closed. I am requesting immediate access to my account transactions for the next 90 days.

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 2023-12-31 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:
I have been a victim of Equifax data breach and my identity was stolen. I have reached out to the three credit bureaus to have this information removed but I keep getting a denial so I am asking for helping this. I have asked them to verify that the accounts belong to me. They have yet to furnish that they write back and say the consumer disagrees thats not verifying payments, or if the account is mine, because a consumer disagrees..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
I took out a loan with Cash Advance Now back in XXXX for the amount of {$450.00} I was able to make 4 payments of {$61.00} every week on fridays. On XX/XX/XXXX i was eligible to take out a secondary loan. I was approved for {$700.00}. the payments for the secondary loan was {$84.00} every week on fridays. I had gone out of town due to a family emergency. I was out of work for a week. When i returned back my hours were cut. I had requested to revoke my ACH until i was able to get back on my feet. I had attempted to get back on track. But on XXXX my bank account was overdrawn due to an unexpected expense i needed to cover. on XX/XX/XXXX XXXX payments were taken out of {$61.00} and {$84.00} were drafted which caused my account to get overdrawn and i was charged overdraft fees. I kept getting calls from Cash Advance Now i have reached out to remove my number to add to the do not call list i was told that my number is placed on the do not call list but i kept getting calls. I reached out again explained my situation. Then placed my number on the do not call list. I did stop getting calls but then i got an email stating that the account resolutions hasnt heard from me. Around thanksgiving i had experienced a hardship. I sent an email saying that i am in a hardship and to please cease and desist communication until i get back on my feet. 

I did start picking up hours last week but i had to pay and take care of other obligations. I am on a fixed income and i am barely making it. I can not continue to pay two loans every week. I would like a settlement that is affordable and whatever i have paid before and to close the loan. I do not want to go through another overdraft in my account. This has been very rough for me during the holidays

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: IL

Complaint narrative:
Pursuant to FCRA, XXXX credit bureau must furnish true and accurate information reported on the consumer. XXXX is required to obtain the original contract with the consumer 's wet signature to furnish a report on the consumer. XXXX XXXX XXXX has been reporting delinquent account information on to my credit report to harm my reputation and credit worthiness. I have never had any relationship with XXXX XXXX XXXX. I have disputed this account with XXXX more than once and XXXX has refused to validate the debt. Subsequently, the incorrect account has remained on my credit report. 

XXXX XXXX XXXX has sent written documentation confirming that an unlawful purchase in violation of the Privacy Act of 1974 took place of my personal identifiable information. XXXX XXXX XXXX is a third party, not a party affiliated with any agreement with XXXX XXXX, who is engaging in unlawful debt collection practices to harass consumers in to making payments towards fraudulent contracts. 

XXXX XXXX XXXX has provided documentation stating that the collection attempts are for a contract XXXX XXXX XXXX is not a party to. Failure to provide a written contract between XXXX XXXX XXXX and XXXX XXXX make the fraudulent relationship void ab initio. 

XXXX XXXX XXXX has kept record of my personal identifiable information without my consent. 

XXXX XXXX XXXX has made an unlawful purchase of my personal identifiable information with XXXXXXXX XXXX to engage in unfair and abusive debt collection practices. 

XXXX XXXX XXXX has furnished false reports to at least 3 credit bureaus, including XXXX, XXXX, and Equifax, to harm the reputation of consumer XXXX XXXX without lawful proof of any debt obligation. 

All bureaus have willfully neglected their federal obligation to validate each debt before furnishing a report on the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 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: IL

Complaint narrative:
Pursuant to FCRA, XXXX credit bureau must furnish true and accurate information reported on the consumer. XXXX is required to obtain the original contract with the consumer 's wet signature to furnish a report on the consumer. XXXX XXXX XXXX has been reporting delinquent account information on to my credit report to harm my reputation and credit worthiness. I have never had any relationship with XXXX XXXX XXXX. I have disputed this account with XXXX more than once and XXXX has refused to validate the debt. Subsequently, the incorrect account has remained on my credit report. 

XXXX XXXX XXXX has sent written documentation confirming that an unlawful purchase in violation of the Privacy Act of 1974 took place of my personal identifiable information. XXXX XXXX XXXX is a third party, not a party affiliated with any agreement with XXXX XXXX, who is engaging in unlawful debt collection practices to harass consumers in to making payments towards fraudulent contracts. 

XXXX XXXX XXXX has provided documentation stating that the collection attempts are for a contract XXXX XXXX XXXX is not a party to. Failure to provide a written contract between XXXX XXXX XXXX and XXXX XXXX make the fraudulent relationship void ab initio. 

XXXX XXXX XXXX has kept record of my personal identifiable information without my consent. 

XXXX XXXX XXXX has made an unlawful purchase of my personal identifiable information with XXXXXXXX XXXX to engage in unfair and abusive debt collection practices. 

XXXX XXXX XXXX has furnished false reports to at least 3 credit bureaus, including XXXX, Experian, and XXXX, to harm the reputation of consumer XXXX XXXX without lawful proof of any debt obligation. 

All bureaus have willfully neglected their federal obligation to validate each debt before furnishing a report on the consumer.

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 2023-12-31 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: NC

Complaint narrative:
I would like a full report on all the payment dates, late payments, payment amounts, all amounts owed, the credit limit and all information they used to prove the information on this closed account was accurate.

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 2023-12-31 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: PA

Complaint narrative:
I submitted my dispute regarding invasion of my privacy rights in accordance with FCRA 602 which states I have a right to privacy and FCRA Section 604 ( a ) that states a credit reporting agency can not furnish an account without my written instructions. 

I submitted my dispute via CFPB # XXXX on XX/XX/ and your company received it on XX/XX/. results completed XX/XX/ Trans Union submitted via CFPB portal to me. 

This clearly exceeds the 30 day timeframe by 10 days. 

This is a violation of FCRA 611 which requires a consumer reporting agency to conduct a proper investigation in 30 days.

The Second violation committed by Trans Union is when you took more than 15 days to send me the Method of Verification that I requested but your company chose to just verify the same accounts again. Instead of sending me the name ( s ) of the person ( s ) that you spoke to when the alledged investigation was conducted. I also requested according to the FCRA their addresses and, telephone numbers. 

I requested the procedures used to come to the conclusion that these accounts appearing on my credit report without my written instructions should be verified and you sent NOTHING that remotely resembles what is required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) within 15 days in accord with the law for which this 15 day violation alone I could be paid {$1000.00}. 

I requested a Description of the Procedures used to determine the accuracy and completeness of the information that the law states should be provided to me. 

I want the following accounts removed from my credit report or I may seek legal representation at some point seeking compensation for your violations. 

Trade : XXXXXXXX XXXX XXXX XXXX : Dept of Education 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 2023-12-31 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: CA

Complaint narrative:
In XX/XX/XXXX I was notified my Info was breached in The XXXX XXXX Breach, I filed an FTC AFFIDAVIT and notified the credit bureaus. 

TRANSUNION has continually viloated my rights as a consumer without protecting my rights and to report accurate and verifiable info. 
Transunion has not given me a chance to acquire free credit reports from their online website and I am unable to dispute erroneous info on my report. 

Under 15 USC 1681 everything must be accurate and correct. 
I have never had this account and this account was fraudulantly inputed on to my credit report. I want this removed. 

This account was fraudualntly opened in XXXX and now has illegally been reaged, this is fraud and blatant violation. 

XX/XX/XXXX ( XXXX mos ) {$0.00} Remove this account or I will pursue legal action.

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 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I have requested a copy of my consumer report and for early warning to put a security freeze on the sharing of my nonpublic financial information.

Any consent that may have been given to Early Warning to share my information with 3rd parties has been revoked.

Early Warning is a consumer reporting agency and must follow the regulations of 15 USC 1681. Failure to comply after receiving this will be willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XXXX XXXX at XXXX I received an email from Chime saying Welcome to Chime and describing a new chime account. This was followed by a second email providing instructions on how to set up a direct deposit. I never opened an account with Chime, have never had an account with them, and called immediately to have it closed. They were unable to provide me with who opened the account and when the account was opened, despite my request for this information.

Company response to consumer: Closed with explanation