vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got a credit check notification from XXXX and XXXX saying that Capital One did a credit check on XX/XX/XXXX. I received the credit card in the mail box on XX/XX/XXXX, with no " congratulations for approval '' mail or emails. I also called and reported fraud on the same day ( XX/XX/XXXX ). The person that I was speaking to provided me with their name, agent number, and case number. The name that they has printed on the card was the name prior to legal name change ( XXXX ) Another thing ( I don't know if this is helpful or not ) XXXX notified me that my information was found in the dark web back on XX/XX/XXXX and XX/XX/XXXX, both of which were unknown websites, as XXXX stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX Balance : {$0.00}

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 2024-04-25 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: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: TX

Complaint narrative:
On XX/XX/XXXX I gave a security deposit for XXXX $ money order which I have attached. The apartment complex was XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX Texas. This was my deposit that they asked for. After a year I decided to leave because it was too expensive. I gave my 60 day notice. Around XX/XX/XXXX I received a call from collections about a XXXX XXXX  and I didnt know what they were talking about. I told them that I gave the apartment complex XXXX $ and I was still waiting for them to adjust my move out fees. Also attached is the email I sent them with the copy of the money order. I decided to call XXXX  XXXX  because I never heard back from XXXX  XXXX. XXXX XXXX representative told me that someone must have all my information like my identification card and social. They told me since I was renting the apartment the agreement should have gone to me because Im the renter and I needed to be informed of the terms and conditions. They sent me a copy of the agreement and thats when I noticed that it was sent to the apartment complex email. I attached the agreement that shows the email address for XXXX  XXXX. This is when I determined that someone from XXXX  XXXX fraudulently used my information to purchase a surety bond. I already gave them a XXXX $ deposit. I had no reason to purchase a XXXX $ surety bond for the apartment. I reached out to them and they never responded. I reported them to XXXX  and they responded back negatively and didnt even answer my question about the XXXX XXXX agreement that they fraudulently obtained. I filed a police report and identity theft report because they used my information without my consent and they signed an agreement without my permission. They didnt inform me about the XXXX XXXX agreement. I reported the apartment complex to the Texas attorney general and Federal trade commission. Theyre business practices are not legal. They had a duty to inform me about the XXXX XXXX  agreement so I could make my own decision but they didnt. Thats unlawful to sign my name to any contracts. I trusted them with my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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:
there is a fraud account that i am disputing on my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email from indicating that an order had been placed. That day, I called QVC to indicate that this was a fraudulent purchase. I was advised that a QVC Card was issued from Synchrony Bank. QVC stated they would cancel the order and that I needed to call Synchrony Bank to close the account. I immediately called Synchrony Bank and closed the account and they opened a fraud investigation. They also notified the credit bureaus. ( I also called the credit bureaus and froze my credit ). 


On XX/XX/XXXX, I received a statement from QVC for the fraudulent purchase. They closed the original account and reopened a new account with a balance. I called again to close the account with QVC and explained that it was fraud. On XX/XX/XXXX, I received another email stating that my new card was on its way. Again I called and explained it was fraud. On XX/XX/XXXX, I received another email that a new card was on its way. Again they closed and reopened an account, stating that I was response for the fraudulent purchase. 

There was back and forth whether this was a fraudulent account. I had to supply additional information, police report, attestation, etc. This time their Fraud Department concluded it was fraudulent. 

I received piece of mail from Synchrony Bank in XXXX, stating that this was a fraudulent account and I was not responsible for the charges. 

XX/XX/XXXX I received a collections call from Synchrony Bank for the fraudulent transaction. Again I called and explained the situation. They referred me back to the fraud department. 

XX/XX/XXXX I received a collections call from Synchrony Bank for the fraudulent transaction. Again I called and explained the situation. They referred me back to the fraud department. 

XX/XX/XXXX received a letter that this was. fraudulent transaction and that I was not responsible for the charges. 

On XX/XX/XXXX, I received an email from XXXX, a collection agency hired by QVC Inc. for the fraudulent transactions. 

On XX/XX/XXXX, Synchrony Bank said that I should disregard the collections notices. 

I haven't been able to get this resolved and it has been very difficult to " trust '' what Synchrony Bank says as they do not follow through on what they say. They closed the account, but reopened a new one. They say I am not responsible for the changes, but try to collect. 

Please help this nightmare go away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Sunbit, Inc.
State: GA

Complaint narrative:
This letter is to inform you of services that were performed on my XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX, Ga performed a XXXXXXXX XXXX on my XXXX without my consent. However, I agreed to pay for services, in which XXXX XXXX informed me I could make monthly payments to XXXX XXXX until the balance was paid in full. Later, I went to Florida for vacation driving my XXXX ; however, on my return to Georgia the transmission fluid leaked out, the gears locked, not allowing me to shift gears and I ended up stranded in the middle of a busy XXXX XXXX in XXXX, Georgia. Ultimately, this resulted in the transmission being blown and requiring a new transmission in the XXXX. XXXX XXXX XXXX attempted to help me; but was unable to assist. I had to pay {$820.00} to have my XXXX towed from XXXX, GA to XXXX XXXXXXXX XXXX in XXXX, Ga. It should be noted, I was never informed by XXXX nor anyone at XXXX that I would have to pay Sunbit. 

I called XXXX on XX/XX/XXXX at XXXX XXXX to informed him of what happened with the XXXX. I was advised to have the XXXX towed to XXXX, Ga and they would look at it. Once, I was made aware that I would need to pay Sunbit the remaining balance, I informed XXXX, I dont know who that is. However, when my daughter and I spoke with a customer service representative ( XXXX XXXX XXXX at Sunbit ( while at XXXX XXXX ) she informed me they would require a letter from XXXX to cancel the loan. When, I attempted to have XXXX XXXX speak with the representative, he refused, declined, and hung the phone up on the representative. XXXX XXXX informed me they were partners with Sunbit, and they do not provide cancellation letters. Per XXXX XXXX, XXXX is aware they are supposed to send a letter for them to cancel the loan. 

XXXX XXXX XXXX XXXX XXXX, spoke with me, I explained what happened, my dissatisfaction with the services I received, them not taking responsibility for what happened to my XXXX and their refusal to send a cancellation letter. XXXX XXXX deducted {$200.00} off my bill and stated, I would never touch the transmission because its too old, high mileage and the mechanic knows not to work on a vehicle without explaining things to the customer. It should be noted that XXXX XXXX were unable to find the receipt that I signed giving permission to flush the transmission. I paid my remaining balance with XXXX XXXX. However, since this incident, I have been harassed by Sunbit for a loan that I did not agree too, and I do not have a working vehicle to get back and forth to work. Thank you in advance for investigating this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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 Far Crean Repoting act XXXX XXXX XXXX XXXX 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 viotaled my rohis 15 J 8 G 1681 solon 602 A. States & have the nght le pivacy 15 .5.C. 1681 Secion 604 A Sechon 2 I arso sales a conumer reporng agenal cannet furish a account wimout my wrpien anstnchons

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
apple card and all three major credit bureaus have been reporting negative and incorrect info to my credit report on XXXX, I sent applecard gs Bank a letter stating multiple concerns about my report. 
I informed them that they were reporting negative information that was not accurate. I asked the company to provide proof of any debt I owed them and that the information they reported was correct. I also requested Apple Card GS Bank provide the method and source used to verify and ensure that the debt they reported was true and accurate. I stated in my letter that if they could not do so, I would like to opt out of all reporting to all credit bureaus and for them to delete the account from my consumer profile. I sent a letter via certified mail, which had a return card signed by the Apple card recipient on XX/XX/XXXX, XXXX apple card G.S. bank never responded to my letter that they received, therefore failing to validate the debt and provide proof that the information was accurate. Apple Card 's willful negligence has had an extreme impact on my financial affairs. 

I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. Apple 's bank is a financial institution by definition under that title. 
. 15 USC 1681 section 604 a section 2 states, " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Apple card, GS BANK, and the Consumer reporting agencies XXXX and XXXX do not consent to furnish this information, and G.S. Bank USA does not have my written permission. 

Given Apple Card 's failure to respond, I am formally requesting the CFPB to enforce my consumer rights and safeguard my privacy. As per the Fair Credit Reporting Act, Apple Card is obligated to delete this account. I am also reiterating my request to opt out of all reporting by Apple Card GS Bank to all credit bureaus and to have the account removed from all three major credit bureaus, as they have not validated the debt or provided any proof of the information 's accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXXXXXX XXXXXXXX XXXXXXXX  # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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

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