vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 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: NC

Complaint narrative:
I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them

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 2024-09-03 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 respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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 respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these XXXX  a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-09-03 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: NC

Complaint narrative:
XXXX and the credit reporting agencies has violated multiple laws that pertaining to my right to fair and accurate reporting. 15 U.S.C 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX ) making the report. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) states that a person ( XXXX ) shall not furnish any information relating to a consumer ( myself ) to any credit reporting agency ( XXXX, Transunion, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. By XXXX reporting on their transactions between themselves and I this would automatically make the the report inaccurate. Yet XXXX, Transunion, and XXXX continue to report this on my credit report. I have reached out to XXXX  to remedy the situation and expected the matter to be handled with good faith, but I have been met with no response.

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 2024-09-03 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: NC

Complaint narrative:
XXXX and the credit reporting agencies has violated multiple laws that pertaining to my right to fair and accurate reporting. 15 U.S.C 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX  ) making the report. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) states that a person ( XXXX ) shall not furnish any information relating to a consumer ( myself ) to any credit reporting agency ( Experian, XXXX, XXXX ) if the person  knows or has reasonable cause to believe that the information is inaccurate. By XXXX reporting on their transactions between themselves and I this would automatically make the the report inaccurate. Yet Experian, XXXX, and XXXX continue to report this on my credit report. I have reached out to XXXX to remedy the situation and expected the matter to be handled with good faith, but I have been met with no response.

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 2024-09-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: 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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: 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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 explanation
Consumer complaint received 2024-09-03 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 consistently ensured timely payments, so I'm puzzled by an error in my credit report. I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-03 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:
I recently reviewed my credit report and noticed account that was not reporting accurately. I had 2 late payments on the account that in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account was not late. I requested proof of the previous investigation, I requested records, of who they spoke with, their business address and information, and phone numbers, as well as documentation that the account was late, I asked if they can not provide me with information within 15/days paid never late and requested updated copy of my credit report. As of today, no documentation has been provided. I attach copy of my reporting complaint for the following dates XXXX, I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

Account XXXX XXXX XXXX XXXX stated 90 days but current for XXXX and XXXX please update correctly. 

XX/XX/XXXX stated 90 days, but the month of XX/XX/XXXX was current, please update correctly as current. 

Lastly, please update my name correctly as XXXX XXXX not XXXX XXXX XXXX- please see attached DL and Social card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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:
I recently reviewed my credit report and noticed account that was not reporting accurately. I had 2 late payments on the account that in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account was not late. I requested proof of the previous investigation, I requested records, of who they spoke with, their business address and information, and phone numbers, as well as documentation that the account was late, I asked if they can not provide me with information within 15/days paid never late and requested updated copy of my credit report. As of today, no documentation has been provided. I attach copy of my reporting complaint for the following dates XXXX, I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

Account XXXX XXXX XXXX XXXX stated 90 days but current for XXXX and XXXX please update correctly. 

XX/XX/XXXX stated 90 days, but the month of XX/XX/XXXX was current, please update correctly as current. 

Lastly, please update my name correctly as XXXX XXXX not XXXX XXXX XXXX- please see attached DL and Social card

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 2024-09-03 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
This is regarding claim XXXX with Truist Bank XXXX 
On or about XX/XX/XXXX, I opened a XXXX XXXX XXXX XXXX ( # XXXX ) with my son, XXXX XXXX, at Truist Bank. While my son activated his credit card, I never activated my credit card and never shared the information with anyone. 
On XX/XX/XXXX, a cash advance for {$3000.00} was made on the credit card issued to me by Truist bank. Since I had never activated this credit card and had no involvement in this transaction, I contacted Truist to file a fraudulent charge claim. 

Truist Bank informed me that the {$3000.00} was electronically transferred to another bank which Truist Bank has never disclosed to me into an account in my name. I have never had another bank account other than with Truist. A fraudulent claim was filed with Truist and a notarized affidavit was sent by me to Truist assuring them I had nothing to do with this transaction and did not benefit from it in any way. 

A letter dated XX/XX/XXXX, was sent to me by Truist denying the claim and telling me they believed I did initiate this transaction and needed to pay the bill. 

On XX/XX/XXXX, I called the Truist Bank XXXX XXXX to get an explanation for why the claim was denied. I was told that Truist was unable to reclaim the {$3000.00} from the other bank, so they had to deny my claim. I asked they re-open the case and they asked me to send an email with details about the case ( email available upon request ) to XXXX Documentation at XXXX. 

After not hearing from them, I followed up on XX/XX/XXXX, with a phone call to get an update and was told that it was being denied a second and final time. I was told that Truist had requested the money from the other bank and was denied. 

Truist was aware that before this fraudulent charge, my information in their system had been compromised. In XXXX, XXXX, someone opened an individual account at Truist in my name, and proceeded to transfer {$10000.00} from my existing and legitimate home equity line into a fraudulent account at Truist Bank. Truist could see that I had not done this transaction because they could trace the funds to the fake account with different contact information. All of this was internal at Truist. 

After learning of the fraudulent XX/XX/XXXX cash advance, I subscribed to XXXX credit security to have my credit frozen at the banks urging so no further accounts could be opened in my name anywhere. 
At this point, I can only come to the conclusion that Truist Bank is refusing to thoroughly investigate this claim because it can not be handled completely internally at their bank, and it will take additional time and resources on the part of their fraud department.

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 2024-09-03 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: MI

Complaint narrative:
I am writing to formally file a complaint against Equifax regarding inaccuracies on my credit report and their failure to resolve these issues despite their claims to the contrary. 

Specifically, Equifax has informed the CFPB that they have removed or are no longer reporting the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, these accounts are still being reported on my credit report, which is a clear misrepresentation by Equifax. This has caused significant frustration and confusion on my part as these inaccuracies remain unresolved.on XXXX XXXX  they and XXXX they show no account reporting but when I called Equifax they stated that the account are still on my report along with an address I never lived at XXXXXXXX XXXX XXXX  michigan, and XXXX XXXX XXXX XXXX. 

Additionally, Equifax has also mixed up my identity with another individual by the name of " XXXX XXXX. '' This person is not me, and this incorrect reporting has further contributed to the inaccuracies on my credit report. 

These ongoing inaccuracies and the failure to correct them have caused me significant distress and inconvenience. I am requesting the immediate removal of the incorrect accounts from my credit report and the correction of any inaccurate personal information. 

I kindly request that the CFPB assist in ensuring Equifax promptly and accurately resolves these issues to restore the accuracy of my credit report. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
XXXX - Received email stating my XXXX XXXX XXXX had been reported lost/stolen from Synchrony Bank XXXX I did not report it stolen and I physically had all cards. I contacted customer service via phone call several times on between XXXX XXXX : Call # XXXX : Informed rep that I received the email and stated I didn't request it so please undo the request. She replied that was not possible. I asked who reported my card was stolen. She said an " unknown caller '' earlier on XXXX. I asked how they verified it was a legitimate request and she had no legitimate answer. I asked what would prevent me from calling in to report someone else 's card stolen without a verification on their end. No response. I asked to be forwarded to a supervisor. Was told I could speak with fraud department. Call # XXXX : Forwarded to the fraud department and was hung up on. Call # XXXX : Contacted fraud department again. They could not share details but mentioned that it was because of some charges I disputed ... .these charges were over 3 months old and their response was conflicting with the " unknown caller '' described in Call # XXXX. Call # XXXX : Contacted normal customer service rep again. Spoke to a new XXXX She requested full verification of my information to confirm identity before speaking to me. This is the first time in any call where my identity/data was fully verified before share details with me. She also had no answers but seemed surprised that none of the other calls had verified me. XXXX - I typed a letter describing the above and expressed my concerns that they had shared my data with an unknown caller and were reporting as lost/stolen to cover their failed processes. I demanded they execute investigation and provide me with a response on the root cause and how they were going to prevent the problem in the future. XXXX - XXXX follow up saying they received my correspondence and they'll review as soon as possible. I have not received additional reply since. In unrelated issue I had disputed charge in XX/XX/year> and then later noticed it had not been addressed. I messaged customer service and submitted another dispute form. They stated they had error in logging the dispute. All of these things add up to failed business practices and protections for consumer data and information.

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 2024-09-03 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief