vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, 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:
This complaint pertains to XXXX and the Consumer Reporting Agencies ( CRAs ) Experian, XXXX, and XXXX. The issues involve a breach of fiduciary duty in a implied trust relationship, unauthorized practice of law, and failure to provide opt-out notices and disclosures for non-affiliated third parties. All these are in violation of the Privacy Act of 1974, the Trustee Indenture Act of 1939, the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and other laws. 

Starting from around XX/XX/XXXX, XXXX, along with the above-mentioned CRAs, began reporting nonpublic personal information about me to non-affiliated third-party consumer reporting agencies without offering me a notice of the right to opt out. This has led to a negative impact on my credit score, which in turn has caused housing and credit denials, as well as lost entrepreneurial opportunities.

Specifically, the involved entities did not provide a clear and conspicuous disclosure that such information may be disclosed to third parties, nor did they give me the opportunity to direct that such information should not be disclosed, as required by the Gramm-Leach-Bliley Act and Title 15 USC 6802 ( b ) ( 1 ). 

In response, I issued a pre-arbitration demand notice on XX/XX/XXXX, to XXXX and the CRAs ( Experian, XXXX, and XXXX ). The notice clarified my position as the implied surety of a federally protected consumer in an implied trust relationship with their organizations. Despite this, my dispute has not been satisfactorily resolved. 

As a result of the unauthorized disclosure, I have suffered XXXX XXXX, XXXX, disruption to mental clarity, and opportunity loss, quantifiable at {$110000.00} USD. I am also claiming damages of {$1000.00} USD per monthly reporting instance per party for a reporting disclosure period of two months in violation of the Privacy Act of 1974. 

If my dispute is not resolved within 5 days from the notice date, I will proceed with arbitration. I request the CFPB 's intervention in this matter to rectify these violations and to ensure the protection of my rights as a consumer. 

I am eager to cooperate and provide further information as required. Please find attached the original complaint notice sent to XXXX and the CRAs for your reference.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, 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:
I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.

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 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: WI

Complaint narrative:
I tried to use a prepaid Vanilla Visa Prepaid Gift Card on XX/XX/XXXX, issued by my employer ( and was already activated when I received the card ) and it was declined ( expiration date is XXXX/XXXX ). Went to check the site and saw there were charges made in XXXX. I had not used the card, nor did I receive any notice that the card had been used. I called the customer service number to report it immediately when I became aware of this and was told to fill out paperwork - this was on XX/XX/XXXX ( same date as I became aware of the charges not made by me ). They sent a packet out via email which I filled out and returned. I received a request for additional information on XX/XX/XXXX which I filled out and returned. The gift card was for {$500.00} with charges of {$490.00} already used. 
I now received a notice XX/XX/XXXX that they closed the case and I had not reported the fraud charges in a timely manner. I never received any notice the card was used and I reported the fraudulent charges on the same day I became aware of them. 
I was not the one that purchased the card, it was purchased as XXXX gift to me from my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. 

A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified. 

This letter is a request for you to explain to me how was this determined?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, 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:
I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. 

A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified. 

This letter is a request for you to explain to me how was this determined?

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, 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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
My father had money stolen from his account through fraud. The person who stole it is in jail because of this. 5/3 bank denied my claim saying the transactions were valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
This debt apparently occurred as a result of identity theft. I spoke with a representative from Acima and she stated this was a finance furniture account. I have never financed any furniture or never had a furniture bill anywhere. I had no knowledge of this debt until it was placed on my credit report. 

According to the IRS, charge offs are considered income therefore I should've received a 1099c ( if this was my debt ) Income is forbidden to be on a consumers report according to congress 15 USC 1681 2. ( a ) ( i ) No transactions or experience are allowed to be on a consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX account # XXXX XXXX XXXX XXXX and Department of Education/XXXX account # XXXX 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 explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Ive asked for the debt to be validated twice to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XXXX, I purchased a dishwasher online from Lowe 's, The company was running a promotion for their credit card and offered a {$100.00} discount if a major purchase was made using their card, I applied for the card and was accepted and used this card for my purchase. The dishwasher was delivered and installed in our home. We paid for the dishwasher and installation by debit card from our bank for the full amount. 

A month later we started being billed for another dishwasher,. I contacted the credit card company which is run by Synchrony Bank. I filled a fraud report and they found in our favor and issued a charge back. This was sent back to Lowe 's and they turned it down and continued charging us. I have spent the last year arguing with clerks at the company and made no progress. They have no proof of this additional purchase. They claim I picked up the dishwasher at the store. I am XXXX XXXX XXXX and it is ridiculous to even think that I did this.. 

My wife and I are not thieves or con-men. They say now we owe over {$1000.00}. Any help you can give us would be greatly appreciated.

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 monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I have been disputing an account with National Credit Systems ( NCS ) for the past 8 months regarding application to XXXX XXXX XXXX XXXXXXXX, a property that XXXX XXXX XXXX had ownership of between the years of XXXX, the time of original application. My application did not qualify due to the complexs minimum monthly income-level requirement. I was notified that my residency would only be approved by XXXX XXXX by providing an eligible guarantor. Because I did not have access to a guarantor at this time I was not able to pursue residency at XXXX XXXX. Consequently, I resided elsewhere for my XXXX career. Afterwards, I became aware that XXXX XXXX XXXX turned me to NCS. NCS has claimed and reported to all credit bureaus for the previous 4 years that their " client '', The XXXX XXXX XXXX XXXX XXXX a debt of {$5600.00} for the entire lease term for which I had made application and was unable to take on residency. In addition, NCS has repeatedly stated to me that their client would not accept a settlement in the amount of less than {$4000.00}. However, upon contacting their client directly and speaking with management, XXXX XXXX, I was provided documentation stating the attempt was to collect only {$1500.00} according to the ledger generated XXXX XXXX XXXX. In addition, XXXX XXXX reported that due to the age of the account, I could contest the debt with her help upon NCS contacting their client directly. However, NCS has stated that they do not contact clients and continues to claim their client pursues a debt of {$5600.00}. After submitting documents that their client reported a debt of {$1500.00}, I was informed by my " agent '' that an investigation to authenticate documents would be made and based on conclusions appropriate action would be taken. As NCS has been shown to falsify information, I have no confidence in their investigation. I need a resolution to this issue according to their client to contest this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
Inquiries on my credit report that arent mine

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 2023-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Shell Point mortgage servicing is servicing my mortgage. I wish to pay it off 5 years early. However, they refuse to give me the correct payoff as per the contract. And expect me to pay all interest for entirety of loan no matter when I paid off. This was a 30 year Fixed rate mortgage with no prepayment penalties. They are basically telling me to XXXX them. Which will cost me more than XXXX they are trying to steal from me. I believe this is extortion and should be investigated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation