vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: CA

Complaint narrative:
On XX/XX/2024, a formal dispute letter was sent to Experian requesting correction of the name listed on the credit report to the legal name, removal of all incorrect address listings, and updating to the current address. Supporting documentation like a birth certificate was provided. 
On XX/XX/2024, a notice of fault was sent stating Experian had failed to make the requested corrections despite the previous letter and documentation provided. Specific demands were made again to correct the name, remove incorrect addresses/phone numbers/business listings, and update to the current address. 
Experian sent a letter on XX/XX/2024 stating they received an unauthorized request regarding the credit information so no action was taken as a precaution, but the consumer can dispute inaccuracies directly. 
On XX/XX/2024, a notice of default was issued giving Experian a 10-day period to update the name, delete all previous addresses except the current one, remove certain inaccurate phone numbers and business listings. Additional documentation like utility bills and IDs were enclosed. 
Another letter from Experian dated XX/XX/2024 again stated they received an unauthorized request so took no action, advising to dispute inaccuracies directly.

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 2024-05-26 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: CA

Complaint narrative:
On XX/XX/2024, a dispute letter was sent invoking rights under the Fair Credit Reporting Act ( FCRA ) to demand the immediate removal of an allegedly incorrect XXXX XXXX XXXX XXXX installment account from the credit report. The letter stated that the listing for this account with details like a {$10000.00} high balance and 120-month term is unauthorized and erroneous.

The key reasons cited for demanding removal were : 1. Lack of permissible purpose as no transaction or communication was initiated to authorize reporting this account 2. Potential identity theft concerns 3. Legal implications of non-compliance with the FCRA The letter formally demanded immediate deletion of the account listing and written confirmation along with an updated credit report showing the changes made. It stated failure to comply promptly could result in further legal action like FTC complaints and potential lawsuits against the credit agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have leased from GM financial back in XXXX My lease ended in XXXX. I had no late payment. Not a single day. 

I returned the car and leased a new one.

GM fin keep calling and asking me to pay reposition fee. I have told them that when I leased a new car from them, the representative back then said since you leased another car, this fee will be waved for you no problem.

But GM fin keep calling me and asking me to pay it and just recently they marked my account as late payment. This is very unethical and not fair specially for a customer who been paying without a single late payment for years. 
I have attached proof to show my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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:
On XX/XX/year>, a formal dispute letter was sent to TransUnion requesting correction of the name listed on the credit report to the legal name, removal of all incorrect previous address listings, and updating to the current address. Supporting documentation like a birth certificate and utility bill were provided. 
On XX/XX/year>, a notice of fault was issued stating TransUnion failed to make the requested name and address corrections despite the previous letter and documentation. 
TransUnion sent a letter on XX/XX/year> requesting submission of XXXX documents proving the current mailing address before they could update the address on file. 
On XX/XX/year>, a notice of default was sent giving TransUnion 14 days to update the current address solely to the provided one and remove all other previous addresses listed, which were stated to be inaccurate. Additional documentation like utility bills and IDs were included again as proof of residency.

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 2024-05-26 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:
this is a creditcard or a charge i have no knowledge of It says charge off and i want it remove from transunion, XXXX XXXX XXXX I will inclose ftc report here with amount please dont close my complaint and tell me to open a new one with a different breau

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 2024-05-26 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: CA

Complaint narrative:
this is a creditcard or a charge i have no knowledge of It says charge off and i want it remove from XXXX, eqifax and XXXX I will inclose ftc report here with amount please dont close my complaint and tell me to open a new one with a different breau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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 is a creditcard or a charge i have no knowledge of It says charge off and i want it remove from XXXX, XXXX and experian I will inclose ftc report here with amount please dont close my complaint and tell me to open a new one with a different breau

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 2024-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Debt Direct Portfolio Management, LLC
State: TN

Complaint narrative:
In XXXX of 2024 I began receiving treating phone calls from https : //www.debtdirectmanagement.com/. I tried to settle with them for my original balance and they refused to work with me and insisted I made XXXX dollar payments for a XXXX $ loan from XXXX. They continue to call and threaten me after telling them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: FL

Complaint narrative:
SVNOVUS/First Digital reporting monthly to XXXX that XXXX have a delinquent and unpaid account. Over {$6500.00} in a unsecured credit card. 

Called SVNOVUS XX/XX/year>, told need to call First Digital Called First Digital XX/XX/year> told nothing in my name but old closed account. 
Cant help me. Told need to call XXXX XXXX XXXX XX/XX/year> Cant remove delinquent account as they are being notified monthly to post against my SS # Called SVNOVUS and First again XXXX, will NOT help me told repeatedly no information exists. Asked to connect me to the department that sends information to Credit agency 's Neither would comply Called First Digital XXXX told nothing in my Cant help me. Then called First Digital XX/XX/year> and was told by supervisor he would uncover and call me back. Nothing. 
Called First Digital XX/XX/year> told to write letter which i did and mailed. 

Called First Digital XX/XX/year> and told no letter ever came or on file. Nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased XXXX XXXX XXXX XXXX gift cards for {$50.00} and {$10.00}, respectfully. I was able to redeem them easily. I later tried to use the google play credit and got this error, " Error Your transaction can not be completed. To proceed, please submit the required documents by completing this form. We recommend you to not redeem anymore XXXX Gift Cards on this account until you receive a response from us for your submission ''. 
I submitted the required documents, which was proof of purchase. And they responded with, " Thank you for your patience while we reviewed vour account. We have identified some inconsistencies. your account and the information you provided us. As a result, we are unable to help you redeem these gift cards ''. 
As a result I'm unable to use the XXXX XXXX credit. On XX/XX/XXXX, I bought another gift card for {$87.00}, this time a physical one hoping it would be different and encountered the same error and the same response. On my birthday XX/XX/XXXX, I was gifted a digital google play card for {$10.00} and got the same error. This means I have {$150.00} of XXXX XXXX credit on my account I can not use. I've contacted their customer support the previous XXXX occasions and they told me they would get back to me by email and never did.

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 2024-05-26 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: DC

Complaint narrative:
Hi, Experian, XXXX, and XXXX continues to report errors on my credit report causing my score to drop XXXX XXXX sometimes XXXX points due to their negligence in reporting accurately when in regards to accounts paid on time in good standings as well as not giving me the credit when everything is in good standings. Also my personal information is incorrect I have XXXX name I dont go by any alias and they have about XXXX different names on my report along with the wrong social and and multiple addresses and telephone numbers. No credit company is supposed to report any opened balances due or open accounts on my report if these accounts are allegedly in collections as well. There are inquiries several that shouldnt be on my report either and Im tired of contacting Experian about the same stuff never reported accurate fico score either they always show my score lower than what it actually is

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 2024-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
Called to discuss why an account was created for a checking account, been transferred to the fraud department calls keep getting disconnected and they are not able to solve my 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 2024-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
Asked for money to dispute my credit report collection instead of offering options to pay off the collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Hi, XXXX, XXXX, and TransUnion continues to report errors on my credit report causing my score to drop XXXX XXXX sometimes XXXX points due to their negligence in reporting accurately when in regards to accounts paid on time in good standings as well as not giving me the credit when everything is in good standings. Also my personal information is incorrect I have XXXX name I dont go by any alias and they have about XXXX different names on my report along with the wrong social and and multiple addresses and telephone numbers. No credit company is supposed to report any opened balances due or open accounts on my report if these accounts are allegedly in collections as well. There are inquiries several that shouldnt be on my report either and Im tired of contacting XXXX about the same stuff never reported accurate fico score either they always show my score lower than what it actually is

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 2024-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My credit card was stolen i believe on XX/XX/XXXX. I use XXXX XXXX for 99 % of my purchases which is why i did not realize the card was stolen or that fraud was occuring, resulting in 45 stolen transactions in about 2 days. I did reecive an alert from the bank after all of these transactions had already occured alerting me of potential fraud. I immediately confirmed the fraud and cancelled my card. Records show the initiation date of claim was XX/XX/year>. However, the bank refuses to refund me anything even though they are the ones who detected the fraud, albeit late. 

The first transactions that occured were at a XXXX XXXX XXXX because the perp bought XXXX XXXXXXXX XXXX XXXX cards BACK TO BACK, which is something a normal commuter would not do. there is no history showing i would do this as i have a transit card from my employer T.his should have been an immediate red flag and the bank failed. 
From there, the perp went on to the XXXX area of XXXX, an area i have never even been to in my life for obvious reasons, comitting a total of 45 crimes. My bank history shows i do not make purchases like, the volume alone dosent make sense, and most importantly, i would not be doing this is an area like XXXX. I live in NJ and work in the XXXX XXXX 
History proves i have never spent {$650.00} in 2 days at Liquor stores, bodegas, XXXX, etc. 
The perp made mostly smaller purchses, the highest being {$75.00} at a merchant i can't even locate, and even used my card on XXXX. Please help me as i have made a total XXXX claims, all ending in " Unable to Pay '' after investigation. See attached.

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 2024-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Between XX/XX/2023, I fell victim to XXXX multi-layered scam operations run XXXX  which involved me making deposits for a total amount of XXXX USD from my JP Morgan Chase Bank account to fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: GA

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

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 informationisinaccurate.

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: KS

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 informationisinaccurate.

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