vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 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: GA

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 XXXX XXXX Account XXXX Account Name : XXXX Account 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 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: ID

Complaint narrative:
I am writing to express my concerns and seek clarification regarding my Apple Card payment plan and the accrual of fees and interest on my account. I have been experiencing inconsistencies in the information provided to me and the charges applied to my account, which I believe need to be addressed. According to the payment plan agreement I received, my interest rate was reduced to 0 % APR for 12 months starting from XX/XX/XXXX. The agreement specifies that my monthly plan payment amount is {$51.00}, with the first payment due on XX/XX/XXXX, and the last payment to be made on XX/XX/XXXX. However, due to a misunderstanding regarding my pay schedule at my new job, I was unable to make the first payment on the agreed-upon date. I promptly contacted an Apple Card Specialist, XXXX XXXX, to explain the situation and inquire about the implications of a delayed payment. I was assured that missing the first payment would result in my account becoming past due but that I would remain enrolled in the program. Despite this assurance, I have noticed that my account continues to show as past due in the Wallet app, and the amount required to bring my account current has been increasing, which contradicts the terms of the 0 % APR payment plan. In subsequent communications with XXXX XXXX, I was informed that my account would be restricted until I make a payment of the total balance or the minimum due, but I was not provided with a clear explanation as to why additional charges are accruing. I kindly request a thorough review of my account and the payment plan to ensure that it is being administered in accordance with the agreed-upon terms. Specifically, I would like clarification on the following points : Why is my account showing as past due and the amount required to bring it current increasing, despite being enrolled in the XXXX plan with a 0 % APR? Why was I informed that missing the first payment would not affect my enrollment in the payment plan, yet my account status and balance suggest otherwise? What steps can be taken to rectify any errors and ensure that my account is accurately reflecting the terms of the payment plan? I appreciate your prompt attention to this matter and look forward to a resolution that aligns with the terms of the payment plan agreement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
Yes, I bought a 2022 XXXX and I was approved for the terms of credit not even XXXX month after I had the vehicle the XXXX called me demanding that Ive brand a vehicle back because I was not approved, but that was not the terms that we agree upon it was a fraudulent contract. I was forced into sign in the contract and they did not specifically explain everything to me. They didnt tell me that I have the right to resend. They didnt fully explain it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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 want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-04-05 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 want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-04-05 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: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The Debt Bondage Repair Act prohibits credit reporting companies from providing credit reports that contain any negative item of information about a survivor of trafficking that resulted from the trafficking. 1022.142 Prohibition on inclusion of adverse information in consumer reporting in cases of human trafficking.

( a ) Scope. This section applies to any consumer reporting agency as defined in section 603 ( f ) of the FCRA, 15 U.S.C. 1681a ( f ).

( b ) Definitions. For purposes of this section : ( 1 ) Appropriate proof of identity means proof of identity that meets the requirements in 1022.123, for purposes of section 605C of the FCRA.

( 2 ) Consumer report has the meaning provided in section 603 ( d ) of the FCRA, 15 U.S.C. 1681a ( d ).

( 3 ) Consumer reporting agency has the meaning provided in section 603 ( f ) of the FCRA, 15 U.S.C. 1681a ( f ).

( 4 ) Severe forms of trafficking in persons has the meaning provided in section 103 of the Trafficking Victims Protection Act of 2000, 22 U.S.C. 7102 ( 11 ).

( 5 ) XXXX XXXX has the meaning provided in section 103 of the Trafficking Victims Protection Act of 2000, as amended by section 108 of the Justice for Victims of Trafficking Act of 2015, 22 U.S.C. 7102 ( 12 ).

( 6 ) Trafficking documentation means one or more documents that satisfy paragraphs ( b ) ( 6 ) ( i ) and ( ii ) of this section : ( i ) Victim determination. Documentation that : ( A ) Is of a determination that a consumer is a victim of trafficking made by a : ( 1 ) Federal, State, or Tribal governmental entity ; or ( 2 ) Non-governmental organization or members of a XXXX XXXX task force, including victim service providers affiliated with the organization or task force, authorized by a Federal, State, or Tribal governmental entity to make such a determination ; As I submitted things things XXXX XXXX from Experian said that she cant prove XXXX XXXX is valid

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2024 I sent XXXX and Experian a letter to remove inaccurate information from my credit report. Per the FCRA, they are required to do a reasonable investigation within 30 days of receipt of this letter. I have yet to receive an update and they have failed to remove the inaccurate information from my credit report. 

My letter to both companies states : I recently pulled a copy of my credit report dated XX/XX/2024 and I noticed an account that no longer belongs on my report. This account is part of a Class action Settlement Lawsuit that I am a part of, I demand that this account be REMOVED immediately. XXXX XXXX violated UCC Code by : False reporting to a credit bureaus. XXXX was involved in a $ XXXX Class Action Lawsuit and there was a judgement passed down stating that any derogatory information associated with this company has to be removed from consumer records and there was also predatory lending and unfair treatment of consumers. This account has stopped me from getting approved for a mortgage and other credit extensions. 

I am listing this account below in case you need to verify it prior to REMOVING it. 
1. XXXX XXXX 2. Account Number : XXXX XXXX. Reason for dispute : This account is to be deleted by grantor because of a class action lawsuit.

4. REMOVE FROM MY REPORT -15 U.S. Code 1681 is a section of the U.S. Code that includes congressional findings and a statement of purpose. The section includes the following findings : The banking system depends on fair and accurate credit reporting.

Inaccurate credit reports can impair the banking system 's efficiency.

Unfair credit reporting methods can undermine public confidence in the banking system.

-As per the UCC , 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

-As per the FCRA, you are required to do a reasonable investigation within 30 days of receipt of this letter.

I hope that your company will take this serious so that I don't have to make further complaints. 

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 explanation
Consumer complaint received 2024-04-05 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: TX

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.

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 2024-04-05 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: TX

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.

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 explanation
Consumer complaint received 2024-04-05 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 sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX XXXX, account number XXXX and XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX XXXX. 

Upon information and belief, XXXX XXXX received notification of my credit bureau dispute. 

XXXX XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account information with respect to the disputed information and the accuracy of the XXXX XXXX Account. 

Upon information and belief, XXXX XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX XXXX rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX XXXX Accounts to third parties.

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 2024-04-05 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: TX

Complaint narrative:
I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX XXXX, account number XXXX and XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX XXXX. 

Upon information and belief, XXXX XXXX received notification of my credit bureau dispute. 

XXXX XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account information with respect to the disputed information and the accuracy of the XXXX XXXX Account. 

Upon information and belief, XXXX XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX XXXX rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX XXXX Accounts to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2024-04-05 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:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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