vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached some evidence. 

XXXX. XXXX on XX/XX/year> this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX On XXXX XXXX this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXXXXXX XXXX XXXXn XXXX XXXX this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XXXX XXXX power on XX/XX/XXXX. XXXX  this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX of XXXX of TX on XX/XX/year> this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XXXX on XX/XX/year> this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XXXX XXXX XXXX on XX/XX/year> this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX  auto finance on XXXX XXXX this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX  XXXX on XX/XX/XXXX. XXXX  this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX. 
XXXX. XXXX XXXX on XX/XX/year> this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX. 
XXXX. XXXX XXXX on XX/XX/year> this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am not able to use my Amex Virtual Reward card anywhere. It gets declined everywhere. 

There is {$120.00} on the card. 

XXXX XXXX XXXX I've attempted to use the card at XXXX retailers ( all the big stores including XXXX, XXXX, XXXX ) XXXX Also am unable to add the card to XXXX XXXX  ( it errors out after trying to contact card issuer ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-29 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX I looked over my credit report on XX/XX/year> and noticed this is incomplete and not accurate which mean TransUnion has violated my rights.

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 2024-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Fraudulent Activity and Violation of Privacy Rights by XXXX, XXXX, and TransUnion. I am writing to formally lodge a complaint regarding significant violations of my rights by the credit reporting agencies XXXX, XXXX, and TransUnion. I believe these agencies have engaged in fraudulent activity by violating my right to privacy, sharing false and misleading information about me, and reporting an erroneous account on my credit report. The following company have been listed on my credit report as fraudulent or inaccurate accounts, none of which I have authorized or have any relationship with : XXXX XXXX XXXX. This account has severely impacted my credit score and financial standing, and despite my efforts to rectify the situation, the credit reporting agencies have continued to report this inaccurate information. This not only constitutes a violation of the Fair Credit Reporting Act ( FCRA ) but also represents a breach of my right to privacy, as my personal information has been handled and shared improperly. I request that the Consumer Financial Protection Bureau investigate this matter promptly and take the necessary actions to ensure this fraudulent and inaccurate account is removed from my credit report. I am also requesting that the CFPB ensure that XXXX, XXXX, and TransUnion comply with their legal obligations to protect consumers privacy and accurately report credit information. Please feel free to contact me should you require any additional information or documentation regarding my case. Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Fraudulent Activity and Violation of Privacy Rights by XXXX, Equifax, and XXXX. I am writing to formally lodge a complaint regarding significant violations of my rights by the credit reporting agencies XXXX, Equifax, and XXXX. I believe these agencies have engaged in fraudulent activity by violating my right to privacy, sharing false and misleading information about me, and reporting an erroneous account on my credit report. The following company have been listed on my credit report as fraudulent or inaccurate accounts, none of which I have authorized or have any relationship with : XXXX XXXX XXXX. This account has severely impacted my credit score and financial standing, and despite my efforts to rectify the situation, the credit reporting agencies have continued to report this inaccurate information. This not only constitutes a violation of the Fair Credit Reporting Act ( FCRA ) but also represents a breach of my right to privacy, as my personal information has been handled and shared improperly. I request that the Consumer Financial Protection Bureau investigate this matter promptly and take the necessary actions to ensure this fraudulent and inaccurate account is removed from my credit report. I am also requesting that the CFPB ensure that XXXX, Equifax, and XXXX comply with their legal obligations to protect consumers privacy and accurately report credit information. Please feel free to contact me should you require any additional information or documentation regarding my case. Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Valon Technologies, Inc.
State: CA

Complaint narrative:
Exactly a year ago we got a mortgage in the amount of $ XXXX for our house. After a year of paying mortgage we have decided to payoff the loan as of XX/XX/year> since the company 's customer service is horrible and the loan interest is very high. The loan is as follows : Company borrowed from : XXXXXXXX XXXX, Toll-free : XXXX ( XXXX, XXXX XXXX ) | XXXX Loan Number : XXXX Payoff Amount : {$350000.00} Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Principal Balance {$340000.00} Total Interest : {$4000.00} Recording Fee : {$170.00} XXXX Release XXXX Fee : {$24.00} Payoff Amount : {$350000.00} {$24.00} We borrowed last year $ XXXX and paid a year of mortgage. It was mostly interest as they say Principal Balance after a year of paying mortgage of close to $ XXXX is {$340000.00}. And after contacting them over the month of XXXX many, many times now they say we need to pay another interest amount of {$4000.00} to close the account! The last mortgage paid was for XX/XX/year>. This means that we borrowed $ XXXX last year and after paying a year of mortgage we need to pay close to $ XXXX!!! In which world that works to borrow $ XXXX, pay a year of interest and then own more than we borrowed in the amount of $ XXXX? We have contacted the XXXX XXXX many times but no one has an explanation for us. We believe this is fraud. Could you please help us deal with this company and close our loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: WI

Complaint narrative:
I am reaching out for your assistance with an incorrect account on my credit report that is damaging my standing as a customer. I want these accounts removed, as they are being reported in a false and harmful manner.

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 2024-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX, a second modification agreement was made to my retail installment contract for a XXXX XXXX XXXX. The company who financed the truck is " Bridgecrest ''. The original maturity date was XX/XX/XXXX. The first deferment changed the maturity date to XX/XX/XXXX. Since XX/XX/XXXX, I have made all payments on time and even ahead of time in some cases. My last payment ( New Maturity Date ) is supposed to be XX/XX/XXXX. I made that last payment on XXXX  XX/XX/XXXX instead. 

I called them today to make sure that my title will be sent to the correct address. They are saying that I still have a huge remaining balance. There is no way that is correct. I have the documentation FROM THEM to prove that there's a discrepancy on their part. And so they are expected more money on a vehicle that, by all accounts, is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please block this information from my report as I have asked them to validate this information and they didn't respond after 3 months of disputes. I am filing this complaint regarding XXXX  continued reporting of inaccurate and unauthorized items on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 USC 1681c-2 ), I am formally requesting that XXXX  block these items within four business days due to potential identity theft concerns, as I did not authorize or recognize many of these entries. I have attached my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please block this information from my report as I have asked them to validate this information and they didn't respond after 3 months of disputes. I am filing this complaint regarding XXXX  continued reporting of inaccurate and unauthorized items on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 USC 1681c-2 ), I am formally requesting that XXXX block these items within four business days due to potential identity theft concerns, as I did not authorize or recognize many of these entries. I have attached my documents.

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 2024-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX XXXX XXXX XXXX : {$7100.00}

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 2024-10-29 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: CA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2024-10-29 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: CA

Complaint narrative:
This afternoon, I was shocked to find that my credit report contains accounts that shouldnt be there, and I have no idea how this happened. I checked my report, expecting everything to be in order, only to see discrepancies that werent there before. I even refreshed the browser hoping it was just a display issue, but nothing changed. Given this situation, Im asking for a detailed review of my documents to resolve this once and for all.

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 2024-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: ND

Complaint narrative:
To Whome It May Concern, Comenity Bank has been trying to call me regarding my debt with a XXXX XXXX Credit Card. Whenever I answer, it's an automated voice telling me to call them back, never a real person. When I finally did speak to them ( XX/XX/year> ), I told them I had just started a new job, I don't even think I had even worked my first shift yet at that time, and I made it a point to inform them that I didn't know when that first paycheck was coming, and as a result I would try to pay it in full by early to middle of XXXX. They have been non-stop calling me day in and day out since. I got XXXX phone calls last week and it's only been XXXX days into the week and already I have been called XXXX times between Sunday ( XX/XX/year> ) and Monday ( XX/XX/year> ). They call from both Comenity Bank offical numbers as well as privet numbers. Both days, the calls start at XXXX and finally stop at XXXX ( ish ) in the evening, so they are at least following the law in regards to the time, however, I did tell them the last time they spoke to me not to spam call me like this and I feel very harrassed. It's already hard enough telling a credit card company that you lost the job, throwing in the harassment makes it XXXX times worse and really difficult to talk to them regarding my issue. I would like the calls to stop. I'm trying my best to get them the money that is owed, but this is boarderling on unethical levels of harassment. 

I am more than happy to provide proof of the phone calls as needed. 

Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I paid off my credit card in full and called customer service with Bank of America ( XXXX XXXX credit card ) in order to ensure my account was closed as I had not received any further correspondence. When I called, the representative confirmed my credit card was {$0.00} balance and she ensured the credit card was closed. She then told me that I had a credit of {$390.00} and a check would be mailed to me due to overpaying. Last week, I received a bill from them that {$50.00} is due to Bank of America for interest charges. I called and spoke with customer service who put in a request to have the charges reversed as this bill was after my account had been closed. Today, I received notification from Bank of America that my request for the {$50.00} was denied. I do not understand why I confirmed by telephone with a representative that I would owe no more money, my balance actually shows a credit where I will receive a refund for {$390.00}, and my account is in fact closed. I worked really hard to payoff this debt and now they are demanding {$50.00} in interest even after the account showed no further balance or activity and was closed.

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 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I would them to provide the following : 1. Proof that I own the debt or are authorized to collect on it. 2. The name and address of the original creditor. 3. The exact amount of the debt owed. 4. A copy of the last billing statement sent by the original creditor. 5. A copy of the signed agreement that created the debt. 6. An account statement showing all charges and payments. 7. Proof that the statute of limitations has not expired on this debt. 8. Proof that you are licensed to collect debts in my state.

Company response to consumer: Closed with explanation