vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
I want these hard inquiries deleted. I did not authorize these companies to run my credit. This is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: CT

Complaint narrative:
Im ask that these hard inquiries on my credit report are removed off me accounts because these are not mine, nor is there any signed forms from me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
I went to in to get a lone for a car valued at {$23000.00} ( not including fees ), I was going to provide {$6000.00} of my own for down payment. The Bank began by verifying my information ( Itin, Id, etc ) we then proceeded to do a credit check ( XXXX ) and continued on to proof of income ( $ XXXX ). According to the bank I was " Pre-approved '' They then proceeded to ask for more verifying information I provided ( a copy of the my W-7, a copy of my 1040 and a copy of my XXXX notice ( Itin renewal ). I provided all of that. The only thing not provided was My XXXX XXXX  as they wanted to verify my legal status. The IRS classifies anyone with an ITIN as a resident alien, therefor I told them to file me as Resident Alien. After all the paperwork was completed they sent me a letter in the mail stating that they rejected me because " Unable to verify immigration or citizenship status ''. The lender only rejected me because of my XXXX XXXX, which is in violation of my human right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Beginning XX/XX/year> I contacted company after payments fell behind due to XXXX illness. I called them to begin payment the account. They added fees and late charges of {$5300.00} and the agreement was for {$87.00} autopay out of my checking account. About 2 months ago my credit score dropped. 
I tried pulling a free report to find out what caused the drop and was not able to tell. Then my credit card company sent me an update regarding a change in my score and the company reporting it. It was company I signed documents and made autopay arrangements with. I has a XXXXXXXX XXXX XXXX XXXX due to bills falling behind. I have been working on my credit for a year to get it back up to XXXX 's and now without any disregard for laws. The company ruined my credit score. When I called they gave no reason but yes we reported it late. I told them that is against the FCRA of fair reporting practices. They didn't seem to care. I want my credit restored!!! I an livid ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I am disputing a collection account from UNITED REVENUE, which is reporting a debt related to XXXX XXXX XXXX The account details are as follows : - Account Name : UNITED REVENUE - Account Number : XXXX - Original Creditor : XXXX XXXXXXXX XXXX - Balance : {$1400.00} - Status : Collection account On multiple occasions, I have requested validation of this debt as required by 15 USC 1692g. However, I have not received adequate validation, and the debt collector continues to report this debt on my credit report. Additionally, there have been instances of harassment during the collection process, which violates 15 USC 1692d. 

Despite my disputes, XXXX has verified the information as accurate without providing the method of verification. This lack of transparency and failure to validate the debt appropriately is causing undue harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: GA

Complaint narrative:
I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on deaf ears. It is important for you to understand that by law, you are required to take immediate action upon receipt of such requests. Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ), they may be liable for false reporting. By law these should be deleted because I have proof that they were also deleted from the other credit bureaus.

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: AZ

Complaint narrative:
After much confusion, countless visits to their site, several phone calls and pure frustration, I received a letter from Lexis Nexis with a code to obtain my Consumer Dislosure Report online for 30 days. I reviewed my report but am unable to dispute the accuracy of my auto claims. I have been through their website inside and out several times only to give up and become more upset with their utter lack of transparency. LexisNexis makes it very difficult to obtain your report and impossible to dispute anything! There are 4 claims reported as comprehensive ( CP ) instead of Glass ( GL ) which have been negatively affecting my husband and I and our ablility to obatin auto insurance for 1 year now. We have 4 vehicles and needed to replace 3 of the 4 vehicles windshields and one of the vehicles windshields was replaced incorrectly and it cracked immediately and needed to be replaced again. Our insurance rates have doubled since XXXX our previous insurance company reported the 4 claims as comprehensive. I have proof that the increase in premiums is due to these claims. I called the Arizona Department of Insurance to file a complaint because being punished for comprehensive claims is illegal but they said insurance companies have a right to report the claim. My insurance broker said XXXX shouldve reported the glass claims as Glass instead of Comprehensive. I need to have these claims either removed entirely or reported as Glass immediately. I am currently considering legally seeking reimbursement of the additional cost of insurance due to this inaccuracy and neglect. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: IL

Complaint narrative:
My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late ! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8

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 2024-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-17 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: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: CA

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

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 2024-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I received a debt collection letter on XX/XX/XXXX claiming I owed a debt to a gas company from XX/XX/XXXX. I have never received a bill from the company they claim I owe money to. The collection letter was listed under a previous last name I have not legally used since XXXX. The debt was unfounded by the company and they did not pursue it any longer. On XX/XX/XXXX the debt was sold to another debt collector. The debt was unfounded and they no longer pursued it. On XX/XX/XXXX the debt was sold for a third time. This debt collector has sent me the same 4 letters and I have sent them 4 letters in response explaining this issue in detail. I have not heard from them again since the last letter I sent on XX/XX/XXXX. I received an alert that they reported to the credit bureau. They did not prove I owed the debt. They could not come up with a bill. The company they claimed I owed the debt to could not provide a bill or account number as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: TX

Complaint narrative:
I looked at my credit report on XX/XX/2024 and noticed something is incomplete and inaccurate According to the. Fair Credit Report Act. A consumer reporting agency reasonably procedures these accounts whenever it prepares a consumer report EXPERIAN. 
XXXX XXXXXXXX XXXX XXXX XXXX. 
ACCOUNT NUMBER 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 2024-07-17 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: TX

Complaint narrative:
XXXX. XXXX, XXXX. {$15000.00} closed my account after taking my securities. 
XXXX. XXXX XXXX  inquiry from the automobile dealership that I didn't give them permission to run my credit through these banks/ lenders. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries that have been reported on my credit report that also doesn't have my permission to be on my report. also, this car dealership gotten my securities without me getting any compensation which is also fraud to run my securities under multiply bank without my knowledge or permission. 
XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX inquiries that reported on my credit report without my permission and also did fraudulent these such as took my securities. 
XXXX. XXXX XXXX  XXXX. {$800.00} a collection that is inaccurate that doesn't associate with me anymore that i already paid for.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Credit inquiries have been done under my name which I do not recognize, I only apply for applications physically and these inquiries seem to have been done online. I never gave these companies permission to pull up my credit report and it is extremely distressing that this happened, it's impacting my life and my credit negatively for I don't know what they could have done with it or use it for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: NY

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal 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 2024-07-17 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: NY

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal 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 2024-07-16 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: FL

Complaint narrative:
My account with ( XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation