vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 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: TN

Complaint narrative:
Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2024-03-10 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: WA

Complaint narrative:
Please eliminate these inquiries. I lack any information on this matter, and the company proceeded without my authorization.

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I had a XXXX account ending in XXXX that was sent to collections with XXXX XXXX XXXX. However, XXXX has confirmed that the statute of limitations expired on this alleged debt as of XX/XX/XXXX, and that they are not owed any money and will not be collecting on the account. 

Despite this, XXXX XXXX XXXX inaccurately reported this account as a collection item on my credit reports through XX/XX/XXXX. As of XX/XX/XXXX, XXXX is now inaccurately reporting this account themselves directly to at least Equifax. 

I have filed multiple disputes with Equifax to have this erroneous collection removed. However, the disputes are being denied, with Equifax stating the information is being verified as accurate by XXXX XXXX 

The only fair resolution is for XXXX, as the furnisher, to instruct all three credit bureaus to promptly delete this account from my credit reports, as required by the FCRA. XXXX needs to rectify their inaccurate reporting and provide confirmation to me once the account is removed. I look forward to their cooperation in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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:
For second time I sent a request to Experian to remove outdated information from my credit report .... Experian refuse to remove the information even though I sent in a request along with my ID as proof of my identity and current address listed. SEE EXHIBIT MARKED - A. I enclosed a copy of my driver 's license. SEE EXHIBIT MARKED-B with my one and only true address. 

Experian responded with the attached letter EXHIBIT-C to say that they my request did not appear to be sent from me even though I sent a copy of my driver 's license. 

This is clearly another blatant refusal to comply with my request and the FAIR CREDIT REPORTING ACT.

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 2024-03-10 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: WA

Complaint narrative:
Please eliminate these inquiries. I lack any information on this matter, and the company proceeded without my authorization.

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 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Credit card not working, or allowing purchases to be credited to account, notice of eft transfer act violations, account has been discharged and should have a XXXX balance and XXXX available credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: AZ

Complaint narrative:
n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXXXXXX 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 15 USC 1681Section, 602 ( a ), states I have the right to privacy, XXXX XXXX XXXX, Section XXXX XXXX, also states that a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX c ( a ) ( XXXX ) XXXX XXXX, 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 XXXX years. Lastly, 15 USC 1681 s-2 ( a ) ( XXXX ) 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 in accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: AZ

Complaint narrative:
n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, 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 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America erroneously put on my credit report that I owe them money which I don't their system is wrong. They refuse to speak to me about it. They refuse to answer my questions and they refuse to give me documentations that I ask for. They have acknowledge that the information is incorrect but they refuse to correct it. Again they refuse to send me the documentations I request on my account.

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 2024-03-10 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank XXXX XXXX XXXX XXXX, XXXX, CT XXXX Dear sir, I have received a letter from your bank branch, addressed Customer Service, XXXX XXXX XXXX, XXXX, PA XXXX, dated XX/XX/XXXX of 2024. I have inquired to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX, regarding my reward certificates ( XXXX and XXXX ), total {$20.00}. These two reward certificates became unusable and asked to make them usable. The letter of your company in XXXX stated that I used one certificates ending XXXX was used in XXXX in XXXX, NJ. As far as I remember, I paid this purchase with your credit card in my name exactly {$28.00} as indicated in the printout of purchase history kept, which could see in your company website. I enclosed the copy of this transaction, which clearly states I paid exactly {$28.00} by the credit card ; therefore, the statement in the letter shows discrepancy and unreliable. Also, regarding the transaction on XX/XX/XXXX of 2024, which this letter stated I used another certificate, my credit card transaction history of your website said I purchased only {$6.00} instead {$46.00}. Even if this office might correct the date into XX/XX/XXXX of 2024, when I have used {$46.00}, this office needs to prove I purchased something in total {$56.00}. Then, with {$10.00} certificate, the transaction total should be {$46.00}. The office needs to check and show me the transaction detail, something like a receipt of these 3 dates to prove his/her opinion. Since there are so much discrepancy and unreliable opinions, I request to show further evidence to prove them officially in print. 
Sincerely,

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 2024-03-10 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: MO

Complaint narrative:
On XX/XX/2024 my information was fraudulently used to apply for credit in my name. I have repeatedly notified Equifax about the identity theft by mailing/uploading a copy of an FTC Identity Theft Report and XXXX XXXXXXXX Police Report along with a copy of my I.D and social security card. After numerous phone calla and coresspondence via USPS and online, Equifax has failed to delete/remove the fraudulent inquiry from my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2024 I went to look at some furniture at XXXX XXXX. The agent that was showing us the furniture told us they could check how much would they be able to finance me and how much our monthly payments would look like. They got my information and we kept browsing the store when they called me over because one of the credit companies needed to talk to me. I got on their phone and the lady on the phone told me they couldn't look at how much I was approved for because I had a freeze on my credit and to go ahead and unfreeze my credit from one of the credit bureaus so she could go ahead and process the application. After letting her know that I had lifted my freeze from XXXX she asked me to confirm my name, the last four numbers of my social, and my address. She then told me I was approved and that my new card would come in the email in the next 7 to 10 business days. I look at the furniture store lady and tell her the lady on the phone is telling me I am getting a new credit card. She takes the phone away and begins talking to the lady on the phone and tells the lady on the phone I must have misunderstood her. They exchanged some code or number she had on her computer screen and desk. Then the lady at the store handed me the phone back because she needed a number that could only be given to me. I start to write this number on a sticky note, but the furniture lady hears me and is already typing it on her computer. The lady on the phone then tells me thank you, your card will arrive in 7 to 10 days and we hang up. The lady at the furniture store then tells the other agent assisting us that I was approved for {$5200.00}. After leaving the store without purchasing anything, I called the company I heard the furniture people mention during our interaction : Synchrony. Turns out a credit card was opened and I told them I didn't realize I was opening a new credit card. However, they told me the only way to not get the credit card was to cancel the card. When I asked if this would be reported to the credit bureau, they told me they wouldn't be able to tell me this information and that they would go ahead and transfer me to confirm my delivery address.

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 2024-03-10 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: FL

Complaint narrative:
XXXX credit keeps reporting my account and Good standing Trans Union will not update my balance to XXXX  every month have to file a dispute. I paid this account off and XX/XX/2023 XXXX XXXX, numerous of disputes and complaints and numerous receipts. Keep my balance to XXXX I have not used this card here or the receipts of my payments my account even I paid over I have a negative because I paid over on my credit card account heres proof Im tired of sending you proof over and over again and you guys keep putting my balance back to {$400.00} when it should just stay XXXX. 

And this is according to the late payments I have on this account accordance with the fair credit act XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

XXXX  15 USC 1666B : A creditor may not treat a payment on a XXXX card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE 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 2024-03-10 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:
XX/XX/XXXX I disputed an inaccurate item from Credit acceptance that was not valid and had multiple inaccurate items reported to my credit report upon disputing this item I was told the debt came back validated and then Experian gave out my address without my consent and said the investigation was closed. I asked for a copy of this investigation and never received XXXX XX/XX/XXXX I reached out to the creditor for a debt validation letter and was never responded to. I then informed experian that I was never contacted with a response and this item being reported was violating my FCRA Rights and to remove it via letter as well as phone and was told by an agent it would be removed. 

XX/XX/XXXX I spoke with an experian agent and again had to update my personal information as they continue to report inaccurate addresses without any written or expressed consent from me as well as this account with credit acceptance account number XXXX which was appearing as a charge off prior to XXXX has now been changed to open and address updated this is a violation of my FCRA rights. I asked it be validated band I was told an investigation was already conducted and I was linked by an inaccurate address and it could not be disputed but I was provided no transcript of such investigation. And the address that was allegedly used to verify the account was inaccurate and I had attested to the fact i did not reside there and it was still not removed. I told them I would give them XXXX days to produce evidence and I have not received a reply.

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 2024-03-10 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: MO

Complaint narrative:
n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, 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 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: MO

Complaint narrative:
XXXX accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, 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 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX marked as a charge off but once a charge off its unlike you can keep marking the days as late payments or payments in general after the day it was closed and this is violating the laws of 15 U.S code 1681.

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 2024-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2023 there were 3 separate transaction totatling to approximately {$1.00} that were fraudulent. I had never received my Best Buy card and yet someone was making transactions without my authorization. I promptly reported this to Citibank yet my claim was denied. i asked for additional documentation and a way to appeal it yet I was not given that option.

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