vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 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: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-08-28 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:
AN ACCORDANCE OF FAIR CREDIT REPORTING ACT XXXXXXXX XXXX XXXX WITH THE ACCOUNT NUMBER # XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE. ALSO, 2019 WAS A XXXX YEAR AND COMPANIES DID NOT HAVE A RIGHT TO REPORT ANY NEGATIVE STATEMENTS TO CREDIT BUREOU. 

PLEASE REMOVE THAT ONE TIME MISSED PAYMENT FROM MY CREDIT CARD HISTORY AND REPORT IT AS PAID ON TIME TO CREDIT 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 non-monetary relief
Consumer complaint received 2023-08-28 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: CA

Complaint narrative:
AN ACCORDANCE OF FAIR CREDIT REPORTING ACT XXXXXXXX XXXX XXXX WITH THE ACCOUNT NUMBER # XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE. ALSO, 2019 WAS A XXXX YEAR AND COMPANIES DID NOT HAVE A RIGHT TO REPORT ANY NEGATIVE STATEMENTS TO CREDIT BUREOU. 

PLEASE REMOVE THAT ONE TIME MISSED PAYMENT FROM MY CREDIT CARD HISTORY AND REPORT IT AS PAID ON TIME TO CREDIT BUREU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: CA

Complaint narrative:
AN ACCORDANCE OF FAIR CREDIT REPORTING ACT XXXXXXXX XXXX XXXX WITH THE ACCOUNT NUMBER # XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE. ALSO, 2019 WAS A XXXX YEAR AND COMPANIES DID NOT HAVE A RIGHT TO REPORT ANY NEGATIVE STATEMENTS TO CREDIT BUREOU. 

PLEASE REMOVE THAT ONE TIME MISSED PAYMENT FROM MY CREDIT CARD HISTORY AND REPORT IT AS PAID ON TIME TO CREDIT 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 2023-08-28 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: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/2023, my son and I arrived in XXXX XXXX, XXXX XXXX. We went to XXXX XXXX XXXX office and rented an automatic vehicle for our stay in XXXX XXXX since we were going to be visiting different cities throughout the country. 
I am a XXXX XXXX XXXX so there could not be a misunderstanding in regard to the final price for the car rental. I was initially told the total price was going to be {$300.00} and extra expenses if the car was damaged in any way. For which I returned the vehicle in perfect condition and was accepted the employees. Soon after coming back to the XXXX, I noticed I was being charged for a total amount of {$800.00} plus another transaction of {$150.00}. I disputed the transaction with Citi bank and they requested more information which I provided. After weeks of waiting for their response, they declined my claim. I called them to get more information from them and I was told there was nothing else I could do from their customer service. I decided to stop the claim and let it go. I was recently told by a friend of mine about CFPB and decided to file this claim to be treated fairly.

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 2023-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
since XX/XX/XXXX I'm trying to the get any proofs from Vance and Huffman for the account they are saying is mine, which is fault statement! 
not once in over a year I was provided any proofs from them. but they constantly was saying they send, which Is not true!!! and this collection remains on my credit report and hurting my credit score and I have perfect credit history! 
I sent multiple XXXX  disputes. XXXX validations was sent to me! On XXXX I called into the office and spoke to a representative. the said they will do investigation and they will be contacting me! not once anyone contacted me or provide any proofs.. on XXXX I filed complaint towards XXXXance and Huffman via XXXX  complaint making the same statement- and. Again, XXXX!!!! validation was provided per my request. I still have collection on my credit report - and XXXX proofs that I owned it, it was identity fraud. 
last time I filed complaint with CFPB and they said - The file is too large to attach to the complaint., and they finally told me where to log in to see documents. 
that's what they say : " Please visit XXXX, your account # is XXXX. You will be able to view all the documentation there '' and I did! and guess?! there is no documents! XXXX! I'm attaching screenshots : I`m asking again please delete this frudeltly collection from my credit report ASAP, because I won't stop until it will be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: TX

Complaint narrative:
I reviewed a copy of my credit report and the companies listed below ran an unauthorized credit inquiry on me. 

XXXX XXXX, TransUnion, XX/XX/XXXX XXXX, TransUnion, XX/XX/XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights and should be removed. Please see attached FTC Identity Theft Report. 

Under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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 2023-08-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I was informed of dept collection attempt by phone on several occasions for months. I do not recognize the personal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: IL

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more then seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: CA

Complaint narrative:
As a consumer, I believe that I should have the right to opt-out of soft inquiries that do not provide sufficient protection for my credit file. I previously requested to permanently opt-out of promotional offers and advertising solicitations from Experian 's vendors, but my request was not honored. When I spoke to XXXX and XXXX, two Experian representatives, they informed me that vendors have unrestricted access to my credit report. In order to safeguard my privacy, I decided to freeze my credit file. However, Experian continued to allow vendors that I have no affiliation with to access my credit file every seven days, which is a violation of the law. As a result, Experian has performed soft pulls on my file from XX/XX/2022, up to the present day. The entity that accessed my information is located at XXXX at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I want to clarify that I never authorized Experian Data Quality to pull my credit report every seven days for any reason. These unauthorized soft pulls by Experian Data Quality are concerning.

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 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Since XX/XX/2022 i have not able to buy or sell because the app tells me that they are doing a manual review and i will not be able to buy and sell untill review ir over

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: CO

Complaint narrative:
I have sent certified letter in XXXX and XXXX in XXXX advising unauthorized and/or fraudulent inquiries. They refuse to respond or remove these inquiries that are creating negative results from there being so many. they have bypassed their allotted timeframe and requested identification which i supplied that it was me disputing

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 2023-08-28 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: FL

Complaint narrative:
I asked for account to be updated and report accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more then 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 explanation
Consumer complaint received 2023-08-28 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: Absolute Resolutions Corp.
State: AL

Complaint narrative:
Violation of Consumer 's Right to Privacy You should be aware that I, the affiant, am a consumer with a right to privacy under Section 1682 ( a ) ( 4 ) of the United States Code. By disclosing private information about me without my written express authorization or any valid legal authority, ABSOLUTE RESOLUTIONS CORP. has breached my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX card On XXXX I walked into the XXXX store and paid off my credit card in full with Cash. 

XXXX I received a statement with payment due + interest XXXX I spoke to an agent and submitted payment receipts through my XXXX account messenger. Agent said it would take 30days to investigate. All the while Im still receiving statements with late fees and my credit score is declining. 

XXXX called XXXX and spoke to an agent. Was told to call back on XX/XX/23. Issue should be resolved. 

XXXX Called and agent said that investigation is taking awhile and wait for an email. They will take care of any/all late fees. Be patient XXXX  Email received by TransUnion regarding credit score dropped by XXXX due to this bill XXXX Emailed XXXX XXXX  regarding this. Agent replied back they need an additional 30 days to investigate. 

The bill was paid in full on XX/XX/. I have payment receipts proving I did so. I forwarded all necessary documents. But Im still being penalized for doing the right thing. I have worked hard to build my credit score.If someone could please help me get this issue resolved asap. Id really appreciate it. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
Southern finance have inaccurate information on my report and violates my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
Took out a parent plus loan for my son XXXX XXXX, {$13000.00} dollars, for him going to XXXX XXXX XXXX university. XXXX filed for bankruptcy XXXX  XXXX paid the loan, have receipts from the trustee payments went out to fedloan servicing in XXXX PA. This was a high priority from my lawyers to the trustee and fed loan department. All payments were made but they still show as not being paid in my account and my sons account? 

I have all the paperwork. I need assistance. Im now retired XXXX with minimum income coming in. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I requested My 2 credit reports with my ID and utility bill. I received a reply stating that my consumer report can not be furnished until I provided additional identifying information. I complied with the request and sent my driver 's license, social security card, and a utility bill ( electric ) and I received another reply asking for identifying information again. I have been requesting my 3 credit reports and I have yet to receive what is rightfully mine.

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 2023-08-28 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: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I purchased this vehicle in XXXX of XXXX. I had good payment history up until XXXX of XXXX. The account was charged off officially in XXXX of XXXX. All collection efforts stopped due to XXXX. In XXXX of XXXX, I updated all my personal information through the credit bureaus, including my address and phone number. I then contacted the lienholder, Regional XXXX, in XXXX to inquire about how to pay off the entirety of my balance. I received no response or direction. My vehicle was repossessed by Regional Acceptance  on XX/XX/XXXX. I had to call them to figure out the next steps and to get my personal belongings. 
I called in XXXX, XXXX, and XXXX of XXXX to try to redeem the vehicle. Each time I called I was transferred around or hung up on. I called again in XXXX and asked to speak with managers and supervisors only. I was advised that the vehicle was going to be auctioned off. I told them that I wanted to still redeem the vehicle, as this is my right as the owner of the vehicle. I was still advising them that I wanted to pay off the entirety of the loan in exchange for my vehicle back. I never received any notice about the status of the vehicle. I called again in XXXX ; I was told that the vehicle was being put up for auction. I told the agent I spoke with that I would need something in writing to be able to still have a chance to redeem the vehicle. Yet again, I received no documentation. The vehicle was auctioned off in XXXX. 
I am complaining based on the fact that I never received proper notifications before or after the repossession pursuant to the FCRA laws on the matter. I was never given a fair opportunity to redeem the vehicle. The lienholder had my updated address to take possession of the vehicle yet would not update my address on file to mail the notices to my address in timely matter.

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