vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: FL

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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2024-01-30 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: FL

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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2024-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I tried to register my vehicle in Florida ( the city I always drove it ). When I arrive at the tag agency they tell me that I can't register the vehicle because the financial company ( Westlake financial ) had it registered in their name and that I didn't have authorization!

The people of the tag agency told me the steps to follow and that's when I contacted Westlake on XX/XX/XXXX by call and email. 

They responded to me the next day indicating that the request has already been processed and that I waited for a period of XXXX working days for the response. Until today 's sun I keep waiting, at first they forwarded me the same message to wait the XXXX days but the time passed and I haven't received a response to the emails for more than a month and every time I call they leave me on hold for more than XXXX hours until the call disconnects. This situation is frustrating and I don't know who to go to. I already contacted the dmv, the tag agency and they tell me that they have not received any request and that the best thing I can do is to contact the financial company.

The worst part is that I repossessed the car in XX/XX/XXXX and during all this time I am waiting for them to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pulled my credit report, and noticed my information was exposed in the data breech the following errors are reporting on my consumer report : Inaccurate personal information, Unauthorized inquiries, and Inaccurate reporting on my XXXX  XXXX and XXXX XXXX Account. Please investigate and update as they are causing adverse harm to my credit report and good character : A dispute was mailed out to the company certified mail ( XX/XX/2024 XXXX # # XXXX ) I have attached valid copy of Passport, Social, and utility bill with my current ant only address. The only address that should reporting is : XXXX XXXX XXXX XXXX XXXX, FL XXXX The following accounts which needs to be verified, updated and deleted are : XXXX XXXX XXXXXXXX XXXX} - Inaccurate Reporting. Update balance XXXX}. Account has been PAID IN FULL. 
Unverified late payments reporting. I request you provide of these alleged late payments. 

XXXX. XXXX XXXX XXXX XXXX XXXX. Update balance to XXXX  PAID IN FULL enclosed is confirmation. 
Unverified 11 late payments reporting. I request you provide of these alleged late payments. 

Please see attachments sent to company. All letters have been sent certified mail and return sender. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. In violation of 1 Section 604 15 U.S.C. 1681 B, Section 605 A 5 U.S.C. 1681 C-1, and Section 605 B 15 U.S.C 1681 C-2. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Therefore, if you are unable to provide me

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, Equifax has left my account like this for over ( XXXX ) months. 

When trying to pull my credit report on annualcreditreport.com am unable to pull the report online without waiting for something to come in the mail a couple weeks later when the information is outdated by then. 

I also tried pulling it directly from my equifax.com account and get an error message there, also. 

Equifax has been working on it for over ( XXXX ) months. 

What can be done so that I may be able to pull my report online? 

Thanks. 

XXXX XXXX XXXX ( XXXX ) XXXX Sent from Mail for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: CITIBANK, N.A.
State: WA

Complaint narrative:
inquires on my credit report that i knew nothing about XXXX thd/cbna XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX says its on file till XXXX of XXXX could not reach anyone at this number inquired XX/XX/XXXX XXXX.citibank na best buy XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX phone XXXX XXXX XXXX says on file till XX/XX/XXXX says mail only for contact inquired XX/XX/XXXX XXXX cards cbna XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone XXXX XXXX XXXX no answer could not get ahold of anyone. inquired on XX/XX/XXXX I did not contact or apply nor want any credit or credit cards from these people they showed up on my credit report as inquires and have affected my credit score I did not authorize any of this ... .....

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 2024-01-30 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: MD

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2024-01-30 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: MD

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2024-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I took out financing for home appliances through a website named " XXXX XXXX '' in late XXXX. The financing was apparently through COMENITY bank and I never received anything in the mail or in email about setting an account up online. So when first payment became due they'd called me to collect and had to set up XXXX payments with my authorization. In late XXXX of XXXX I experienced fraud on my bank account and so XXXX  XXXX XXXX shut down the account and opened a new one which then meant my accounts all needed payment info updated. Being that my payment due in XXXX wasn't going to come out of the account i called in early XXXX  just before being 30 days late and i submitted XXXX payments and the agent apologized for what i was experiencing, told me not to worry she'd authorize XXXX more payments with the new account. 

After the next XXXX payments went through i called Comenity again in XXXX of XXXX and the agent informed me my account had been put into collections for XXXX consecutive late payments. I was dumbfounded because it was a Comenity agent who'd scheduled the payments to be charged and they'd been paid from my account. The agent said payments were due on the XXXX of each month and i'd been paying on the XXXX. I said I gave her authorization to charge the account and it was their fault if she intentionally scheduled me to be late. 

I told her i would need to speak to someone before i began making payments again because i was not about to allow them to destroy my credit over their own malicious actions. I next spoke to them in XXXX when i called in to figure out if they were putting this on my credit. They told me no they were not but are now jacking my interest from 0 % to 27 % making it so my original balance of XXXX is now up to XXXX even though i've paid more than XXXX to the account. I'll pay the remaining XXXX due in a heart beat to get them out of my lives. Ive requested the ability to set up auto pay at least 5 times and never received the credit card i was told i needed to do so. These people are predators, they intentionally set me up to be slammed with insane interest based on their own predatory actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: U.S. BANCORP
State: FL

Complaint narrative:
Us bank has locked me out of my account, repeatedly lied to me and even employees have hung up in my face ( XXXX ) supervisor fraud and dispute division after having me on hold for over a hour. They attribute me lock out to me changing my phone number on the account but thats complete XXXX! My account has been locked since Thursday the XXXX XXXX XXXX and no change has occurred. I havent been able to eat, buy any food, get transportation or even feel comfortable and its effecting my sleep because Im filled with XXXX, I am very very upset and angry at US Bank for basically stealing my money and not doing anything to help me! This is so XXXX annoying and Im over it with US BANK, I have called everyday and nothing has happened. This is so XXXX for them to be able to just lock me out of my XXXX account where us bank is taking no risk on my secured card I put my own money on that card so I WANT MY ACCOUNT UNLCOKED AND IM MOST LIKELY GOING TO CLOSE THE ACCOUNT BECAUSE THIS XXXX IS ILLEGAL! I literally cant even buy XXXX food and Im starving because some XXXX at US bank decided to put a lock on my account and now I have to wait for a call back to make sure I made the changed on my account thats completely ridiculous and I extremely upset US BANK CALL ME IMMEDIATELY AND UNLOCK MY XXXX 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 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: NV

Complaint narrative:
Yes, I have tried to contact and have contact you guys regarding my unauthorized fraud transaction that I didn't make! there were 10 of them and I want them gone and i'm still seeing these unauthorize transaction. im not sure how many time do i need to keep calling in? but i'm very busy and dont want to keep calling in. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-29 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: TX

Complaint narrative:
the attached certified letter was sent to experience on XX/XX/24 They received it on XX/XX/24 The letter included a written debt dispute, which per the FCRA requires a written notice to be mailed back to me within 5 days confirming the dispute This did not happen I called XX/XX/24 and spoke with XXXX at experian She confirmed Experian still had the incorrect address, despite it being updated in the written communication additionally she advised the issue was addressed on XX/XX/24, however none of the requested items were provided and the debt has not been properly validated as required by law, this includes written permission that I allowed them to furnish the account on my report, which I have not done. 
I declare these multiple violations of my rights as protected by the FCRA

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 2024-01-30 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: FL

Complaint narrative:
please see attached file

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 2024-01-29 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: MD

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have three missing closed loan accounts not showing in my XXXX credit report, I do see them in my XXXX and Experian. 

I confirmed with creditors account should be reporting with XXXX and was advised to contact the credit bureau directly. 

I have had issues in the past before I got my social security number, where the credit bureau system automatically create a credit file even without providing a social security number, this is why I am asking the credit bureau to try to locate those accounts manually as it could possibly be in a different credit file under my old address or previous name used. 

Please check attached cover letter and supporting documentation.

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 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
CitiCards CBNA : Account XXXX. is XXXX ( {$7500.00} ) has violated my rights but allowing a criminal to open this account in my name & ruin my credit & charge up fees. Please cancel this card & delete it from my files. I have a police report & FTC report attached to this complaint. 

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

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