vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 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: AL

Complaint narrative:
I contacted TransUnion, XXXX XXXX, On XX/XX/2023 regarding the inaccuracies on my credit profile. Wrong Names Wrong Addresses are reporting on my credit profile. however no action was taken. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX I provide proof of my current address and they still have all the old addresses listed. 

I also asked for all negative impacted information remove.

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 2023-10-24 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Paypal Credit account was opened and negatively impacted my credit history with knowledge or consent. Settled this with Paypal years ago but my credit is still impacted negatively.

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 2023-10-24 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found this account XXXX account number XXXX on my credit report that were not opened by me. Also three addresses that does not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found this account XXXX account number XXXX on my credit report that were not opened by me. Also three addresses that does not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report.

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 2023-10-24 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2023-10-24 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2023-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ATG Credit, LLC
State: NY

Complaint narrative:
On XX/XX/ I made a complaint with the cfpb complaint number XXXX with a cease and desist as well as a notice of fault due to ATG credit violation of the consumer protection act ATG not only failed to cease all communication ATG also did not attempt to provide monetary remedy for set violations or delete themselves from my consumer report On XX/XX/ i made a complaint to cfpb with complaint number XXXX ATG CREDIT responded on XX/XX/ stating they would cease communication On XX/XX/ i made a complaint with a attached cease and desist and demand letter ATG to correct my consumer reports and pay monetary remedy ATG credit stated i didnt answer their calls as in its mandatory to speak with them they had no business harassing me and caused me a great deal of stress i would be attempting to file a small claims lawsuit if we can not settle this matter FULLY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to inform you about my recent interaction with Experian regarding inaccuracies on my credit report. On XX/XX/XXXX, I contacted Experian concerning incorrect information on my credit report, and to date, they have not responded. I am providing the details of the inaccurate information and the necessary corrections below : Inaccurate Account Information : The following account was never late : Creditor : XXXX XXXX XXXXXXXX Account Number : [ Account Number ] Date Opened : XX/XX/XXXX High Credit : {$320.00} Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX XXXX Account Number : [ Account Number ] Date Opened : XX/XX/XXXX High Credit : {$940.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXX Account Number : [ Account Number ] Date Opened : XX/XX/XXXX High Credit : {$150.00} Please remove it from my credit report.

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 2023-10-24 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: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-10-24 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: MI

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TRANSCARD, LLC
State: NY

Complaint narrative:
On XX/XX/, prior to XXXX eastern, I faced trolling by Transcard on the phone. I called transcard at XXXX XXXX XXXX and demanded Transcard allow me to use the funds I have on my card. A man named XXXX picked up and instead of helping, told me to " take my time '', when in fact it is transcard who has been wasting my time for a very, very long time, and refusing to allow me access to my funds on quite the list of occasions. The admin number for the card in question ends with XXXX. The XXXX  also refused to take this complaint and serve it to the offending party, Transcard. 

Later on XX/XX/ XXXX I received from them a check in the amount of {$8.00}. However, the check says to not cash it in without calling them. Since Transcard will not behave when I call them anyway, Transcard may have committed a federal offense by sending me a bad check. If they have not, they must clarify this in writing immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was told that I owe a balance of XXXX XXXX From Capital One bank For a late payment and was charged 2 late fees when I paid the XXXXXXXX XXXX before the expected due date. The payment for this XXXXXXXX XXXX charge was paid on XX/XX/XXXX and the due date was XX/XX/XXXX. So Im basically being charged interest for a late fee on a payment that was never late. And because of this they recently lowered my credit score. I would like to have resolution this problem. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I didnt authorize Bank of America to run my credit I want the hard inquiry removed because the account is closed and not in my collections when I check my credit. This was done on XX/XX/23.

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 2023-10-24 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: FL

Complaint narrative:
I am writing to submit a formal complaint regarding incorrect information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute the following inaccuracies on my credit report. As of today, I have not received a response from TransUnion. I am providing the details of the inaccurate information and the necessary corrections as follows : The following account was never late : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$320.00} Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$940.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$150.00} Please remove it from my credit report.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, my identity was used fraudulently to obtain a personal loan from XXXX, XXXX in the amount of {$670.00}. I became aware of this via email in late XXXX that a payment was due. I made phone calls to XXXX XXXX XXXX on XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. Each time I called and explained the fact that the account was fraudulently created and requested an investigation to clear my name of this issue. They promised each time to send an email follow-up to me within 2-5 business days, but never did. I obtained case number XXXX on the XX/XX/XXXX phone call. XXXX, XXXX also reported my address as " XXXX XXXX XXXX, XXXX, AL XXXX '' as shown on my Equifax credit report. I never lived in Alabama and expressed this each time I called XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: FC HoldCo LLC
State: FL

Complaint narrative:
I paid off my auto loan back in XX/XX/2023 and have been promising to remove balance of my credit and show loan as paid off

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 2023-10-24 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: MS

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
While purchasing a pre - owned vehicle from XXXX XXXX XXXX XXXX XXXX XXXX, I was told I was being financed by my local credit union as I had requested. When it was time to sign the paperwork for the loan application and tag transfer all of the documents were stacked one on top of the other and highlighted. I was told that I was signing a loan APPLICATION for my credit union however, in reality and unknowingly to me, I was signing a contract for a different financing company with a MUCH higher interest rate. However I didnt know this until days later after reviewing a USB drive. tick that had edited versions of SOME of the documents I had signed on it. I have since had a multitude of issues arise with the vehicle that is supposed to be under warranty from both manufacture and the dealership currently. Neither the dealer nor the manufacturer are making a reasonable effort to honor their warranties. Furthermore, I was not only sold a lemon, and misled during signing but I was also lied to about the condition and history of the car!!!

Company response to consumer: Closed with explanation