vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 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: NJ

Complaint narrative:
I am writing to follow up on my previous dispute regarding the unverified and unauthorized items on my credit report. Despite my multiple requests for investigation and deletion of these items, they continue to be reported inaccurately, which is adversely affecting my creditworthiness and financial opportunities.

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 2024-03-19 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: SC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I opened a vehicle loan from Us Auto sales on XX/XX/XXXX. During the paperwork I signed for Gap insurance at the time my down payment was less than {$1000.00} the gap fee was {$750.00}. I was told I had the option to pay the gap insurance fee in full or have it added to my payments, I agreed to pay it in full so I paid a down payment of {$1700.00}. I was involved in a car accident on XX/XX/XXXX where i was deemed as no fault and progressive insurance would pay a quoted price of the loan off, after receiving that pay off from the insurance it was a remaining balance of $ XXXX. Us auto sales is now out of service and turned things over to Westlake portfolio after speaking with West lake Portfolio it was no information stating that I have GAP insurance. I have paper work of what was signed and that we agreed on applying the Gap insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TN

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2024-03-19 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: FL

Complaint narrative:
XX/XX/2024 XXXX, Florida Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 Reference to : TRANSUNION VIOLATION XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX >Sold ; was Charged-off< TO WHOM THIS MAY CONCERN ; I XXXX XXXX, herby would like to file a complaint against TRANSUNION, due to Transunion refusing to remove inaccurate and misleading data which is now part of my credit bureau report . I have contacted Transunion on multiple occasions and showed them proof that this alleged debit is NOT Mine, and I am legally not responsible for it since it isnt mine. I have informed transunion of being a victim of fraud. I have filed a FTC Fraud complaint form and have provided TransUnion this on multiple occasions also.

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 2024-03-19 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Portfolio Recovery is in blatant violation of The Fair Debt Collection Practices Act 1692 ( e ) ( 8 ) which prohibits a debt collector from communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a debt is disputed. 

XXXX XXXX FAILED to comply with the requirements under FDCPA 1692 ( e ) ( 8 ) which is a very serious violation because it failed to mark an account in dispute that it acknowledged receipt of on XX/XX/XXXX. 

I have sent a screenshot with part of my Experian Credit File, Report XXXX XXXX for. XX/XX/XXXX. 

I demand this account be deleted due to their failure to mark account in dispute or I may take 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 explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: IA

Complaint narrative:
Extremely high interest rates ( 22.99 % )

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 monetary relief
Consumer complaint received 2024-03-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is regarding a repeated dispute about my checking account with Chase Bank. An account was open under my name without my knowledge or consent in a state outside of where I live. I'm in California and the account and two transactions occurred in Georgia. The first time it opened was in the summer of XXXX. The claim department give me a provisional credit while the investigation took place and then removed it. I didn't know at that time there was an account in GA until the second fraud took place in XX/XX/XXXX. I was told I was at fault because the attempt at the Chase ATM in Georgia went through with one pin attempt. I was told to get the money back I had to prove in California and not in Georgia. I was at work at the morning in question just like the second fraud also on a Friday morning. I had my employer write a letter on my behalf to prove I was in California. I got my money as a result of the letter. I was still angry and bitter about it. But I moved on. Then in XX/XX/XXXX, it happened again. I found out about the account being in GA. I closed my ATM card and reopened it. Like I did the first time. But this time, I changed the PIN number. Claims gave me a provisional card and then I decided to get the executive office involved. They said they would act as my advocate if the claims denied the final credit and decision. But they were involved keeping abreast of the claim. Then I got the money taken out of my account. There was alot of back and forth communication between them and claims. The Executive Office decided to give me a courtesy credit for the {$200.00}. But they also said they would try to get claims to give me an additional {$200.00} because I wasn't in Georgia and ever ordered a Chase card or make the transaction from a non-chase atm there. I waited to hear back and called the executive office. They said claims would not give me an additional {$200.00} and I got the impression I was not believed. I was just told to set up a new username and password to eliminate the Georgia address on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
The amount Credit Bureau Systems is stating that is owed is incorrect. After initial phone calls of trying to determine the error and not wanting my credit score to be ruined, I attempted to offer to make a {$100.00} per month payment while the hospital financial services department worked with Credit Bureau Services to ensure the incorrect amount was corrected. The representative stated that since I was not able to pay the offered monthly payment of {$460.00} the debt would still be reported as nonpayment. When I asked what I could do, the representative stated I would need to reach out to an agency for debt relief for help and guidance on next steps. 

The next day I took a vacation day from work and met with the hospital financial services department and my insurance company to ensure I was correct about the amount owed, if any. The hospital financial services department admitted there was an error and it would take approximately 14 days to correct the error and contact Credit Bureau Services. I called Credit Bureau Services to explain this and that they did in fact have the incorrect amount that I supposedly owed and I wanted them to know they would receive updated/corrected information in the next couple of weeks. The Credit Bureau Systems representative went on to state incorrect information and when I stated the amount was incorrect and I wasn't listening to wrong information the representative said " I listened to you, so you are going to listen to me. '' I stated, but what you are saying is incorrect. '' The representative stated that it was not and asked " if I was going to listen or not. '' When I answered " you are incorrect, though '' she said, " ok, bye '' and hung up on me. 

Credit Bureau Systems threatens to ruin your credit even if you offer to make a {$100.00} per month payment while the incorrect information is updated. Credit Bureau Systems will not listen or admit when their information is incorrect and refuses to change an amount owed while attempting to collect payment on an amount that is not correct. Finally, Credit Bureau Systems yells, uses bullying/harrassment type behavior, and disconnects a call when a consumer is attempting to state the amount they are going to ruin my credit score with is wrong. I do not owe what they say I owe!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
received an AMEX reward card for buying XXXX XXXX merchandise. This was a card sent by email, not a physical card. Amount {$520.00}. I have tried to use in different online stores, no luck. Declined every time. Called AMEX... totally useless ( like the card ) and some of the merchants who declined it. Reason was that the card was not liked to my name and billing address. I am tired of calling people to resolve this. The card is completely useless. 
Thanks for your attention ( and letting me vent )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: IN

Complaint narrative:
My credit report this month listed a hard inquiry. I am not aware of anything that would have required an inquiry ( I did not apply for a car loan, mortgage ). I called the bank where I see my credit report to ascertain who made the inquiry. They were unable to tell me and directed me to Trans Union for the inquiry. I just finished a call with Trans Union. They instructed me to send a report to the FTC. 
The Factual Data report was dated XX/XX/2024.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

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 2024-03-19 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: MD

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts incorrect that needs to be deleted : XXXX XXXX - Account # XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) - Account # XXXX XXXX XXXX XXXX ( original Creditor : XXXX ) - Account # XXXX XXXX- Account # 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 2024-03-19 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following 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 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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 did not approve these inquiries and strongly believe they are deceptive. I urge you to conduct a thorough examination and promptly erase them from my credit file. Supporting documents have been provided for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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