vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please delete these accounts from my credit report as they are fraud. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Someone keeps trying to open an account under my name at chase bank and they said they would investigate it this was 2 months ago and the same issue keeps happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: TX

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error 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 explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OH

Complaint narrative:
Outside of other issues with company lying called XXXX of XXXX told 10 day payoff was XXXX sent cashiers check XXXX XXXX for amount check had tracking arrived on the XXXX sat XXXX being told i am being charged interest. Extra amount XXXX and they did not bother cashing it. Was sent with 10 day limit was told loans dont accrue interest with forebearance as well by finaid rep. It is not my problem that you didnt cash my check. I am not paying interest on your negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently tried to apply for a home and was denied, after obtaining a copy of my credit report there are some major issues that need to be addressed. I found the following accounts to be in error : 1.Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX Account Number : XXXX Please Delete Immediately 2. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX Account Number : XXXX Please Delete Immediately 3. 15 U.S. Code 1681 ( a ) ( 4 ) Consumer Right to Privacy XXXX Account Number : XXXX Please Delete Immediately 4. Under 15 U.S. Code XXXX - Obligations with respect to disclosures of personal information XXXX Account Number : XXXX Please Delete Immediately 5. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX Account Number : XXXX Please Delete 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 non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently tried to apply for a home and was denied, after obtaining a copy of my credit report there are some major issues that need to be addressed. I found the following accounts to be in error : 1.Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX Account Number : XXXX Please Delete Immediately 2. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX Account Number : XXXX Please Delete Immediately 3. 15 U.S. Code 1681 ( a ) ( 4 ) Consumer Right to Privacy XXXX Account Number : XXXX Please Delete Immediately 4. Under 15 U.S. Code XXXX - Obligations with respect to disclosures of personal information XXXX Account Number : XXXX Please Delete Immediately 5. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX Account Number : XXXX Please Delete 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 2023-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX from US Auto in XXXX, FL and kept my payments up to date. On XX/XX/XXXX, a motorcyclist tried to fit between myself and another car at a high rate of speed and had to drop his bike. It flew up underneath my car causing approximately {$11000.00} in damage and my car was determined to be totaled on XX/XX/XXXX. 

My personal insurance company, XXXX XXXX, paid their portion for the car and now own the totaled car. I had called US Auto on XX/XX/XXXX and I let them know I was involved in an accident. I called again on XX/XX/XXXX to inform them that the car was totaled, and, to my surprise, I was transferred to Westlake Portfolio Management. I received an email on XX/XX/XXXX stating that US Auto is no longer in business as of XX/XX/XXXX. This means I should have been able to make contact with someone at US Auto from XX/XX/XXXX through XX/XX/XXXX, and I was not able to reach anyone except Westlake Portfolio Management ( WPM ). 

I began working with WPM to get my GAP insurance paid and my warranty cancelled. They had told me that they do not work with warranties and GAP just total loan amounts. I eventually found out that US Auto did not make any payments to the Warranty company since XX/XX/XXXX. And my policy was cancelled as of XX/XX/XXXX. The total amount of the warranty price was {$2900.00} plus any interest on this amount. 

The GAP insurance paid a very minimal amount due to being overcharged for the car. I now have {$3500.00} remaining to pay and I have not been able to get another car, as I am still making payments on a car I no longer have. 

I have continued to pay my payments to WPM since the date of the accident in a timely matter, with the exception of the last payment that arranged to be paid 9 days late. 

PLEASE NOTE : A portion of the matter has been resolved with the warranty company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: MD

Complaint narrative:
I am writing this to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges listed. I ask that the items be deleted to correct my credit report. I report this theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items 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 2023-09-26 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: MD

Complaint narrative:
I am writing this to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges listed. I ask that the items be deleted to correct my credit report. I report this theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items 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 explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Had a 2 free interest card. Instead of making the payments to be completed at the 2 year mark, synchrony put the 30 percent interest on the card after 2 years to make my balance nearly doubled! 

When this came due I was in the XXXX  with XXXX and was not aware that the 2 year period ended. 

Who keeps track of what is due in 2 years! Especially during a pandemic! This is an intentional process by synchrony to double all balances with hidden excessive interest charges that are hidden behind so called interest free cards!

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 2023-09-26 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: CITIBANK, N.A.
State: TX

Complaint narrative:
**Please disregard the original complaint # XXXX as there was a mistype in the complaint. ** This is a formal complaint against BESTBUY/CBNA, a financial institution, and XXXX, a consumer reporting agency, for multiple and egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 , and the Privacy Act of 1974, 5 USC 552a , as well as other relevant statutory and regulatory provisions. This complaint pertains to excessive, non-consensual inquiries into my account and inaccuracies in XXXX 's credit reports, particularly when compared to reports from XXXX and XXXX. The Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ), mandates that consumer reporting agencies, like XXXX, exercise their substantial responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. In this regard, the Privacy Act of 1974, 5 USC 552a, establishes safeguards for personal information held by federal agencies. BESTBUY/CBNA, as a financial institution, is obligated to respect the privacy of its customers and protect the security and confidentiality of nonpublic personal information, as articulated in 15 USC 6801 . However, my complaint revolves around the excessive, non-consensual inquiries made into my account. 15 USC 1681 section 604 ( a ) ( 2 ) clearly states that consumer reporting agencies may furnish a consumer report only " in accordance with the written instructions of the consumer to whom it relates. '' Neither BESTBUY/CBNA nor XXXX obtained my consent, let alone written consent, to furnish this information. Consequently, I formally revoke any and all consent, regardless of its form, be it verbal, non-verbal, written, implied, or conveyed by any other means, to XXXX, XXXX, XXXX, and BESTBUY/CBNA. Furthermore, my complaint extends to the inaccuracies in XXXX 's credit reports. 15 USC 1681e mandates that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title. '' XXXX 's credit report inaccuracies, particularly concerning inquiries, violate these procedures. Specifically, XXXX 's credit report contained inquiries that were not present in the reports from XXXX and XXXX, a clear violation of the accuracy requirements under FCRA. These inaccuracies cause undue harm and confusion to consumers like me. I request that the CFPB conducts a thorough investigation into this matter, emphasizing the excessive violations of privacy and the inaccuracies in XXXX 's reports. I further request that appropriate actions be taken to rectify these infringements, and that XXXX is held accountable for its failure to maintain reasonable procedures.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Paid off a settled charged off account witXXXX XXXX XXXX XXXX XXXXXXXX. Contacted XXXX settled account in full on XXXX. 
Requested paid in full letter they are claiming I didnt pay. Their system Shows paid in full but are refusing to apply payment and update balance hence keeping me from Reporting to credit bureaus and getting a loan.

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 2023-09-26 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: IN

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 explanation
Consumer complaint received 2023-09-26 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: 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 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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I visited XXXX in XX/XX/XXXX and shopped at XXXX XXXX. I was surprised when I came back in XXXX of XXXX. I had a huge interest in XXXX XXXX. XXXX XXXX XXXX letter states I owe XXXX when I open the letter. Besides, I don't have any credit card activation by me. I called them because of this surprise bill I had. So, I asked them for my statement, which took me another 1 month to wait for that statement, leading to {$300.00} plus interest. The statement says XXXX '', I did not buy paint, XXXX!! And his means another interest incurred on me. We agreed to a settlement of {$160.00}. 
I found out I was reported to Experian when I was offered by XXXX XXXX a credit card. I complain about their way or mode of communicating or sending bills by mere letter only. I am not a resident of XXXX. They should send bills through e-mail too. If so, I can pay as scheduled like my other credit card used to bill me. It is so UNFAIR. Is this the way, how they make money?

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 2023-09-27 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: NE

Complaint narrative:
I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to 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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
XXXX of XXXX I purchased a vehicle from America 's Car-Mart and received a loan through Colonial Auto Finance . Car-Mart has continuously lied, deceived and tricked me regarding repairs of my vehicle. I had enough of it it on XX/XX/XXXX and communicated with a lawyer to submit my Revocation of Acceptance due to the fraudulent nature of their behavior. 

Despite this, they continued to report to the credit bureaus that I missed payments, in turn hurting my credit score by XXXX  points or more. The case with Car-Mart is in litigation, and has been since XX/XX/XXXX, and due to my revocation, there should never have been any reports against me made by Colonial or Car-Mart.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I submitted a dispute to Experian pertaining to my personal information and accounts XXXX XXXX XXXX XXXX and XXXX XXXX XXXX via certified mail ( tracking number XXXX ) received XXXX XXXX XXXX  I received confirmation from Experian that the dispute was complete. On XX/XX/XXXX, 31 days after my initial dispute was received, I generated another report from Experian ( proof attached ) to verify the changes made to my report. I sent another certified letter to Experian ( tracking number XXXX ) received XXXX to advise I disagree with the results and requested proof of negative payment history as well as a description of the procedures used to reinvestigate. Surprising I also did not see a clear note that the two accounts were in dispute by me. This is a direct violation of my rights under FCRA 623 ( a ) ( 3 ). 

In the initial dispute I provided a copy of my ID, a copy of ss card, a copy of a recent utility bill, and I have now notified Experian multiple times that the additional addresses and names listed are not valid. Again, another blatant disregard for the law under 15 usc 1681s-2 ( a ) ( 1 ) ( B ).

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 2023-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
I wanted proof that over drafted my bank account which i did not overdraft. Plus it was a business account that is not suppose to be on my personal consumer report. Plus they verified it and it company name is spelled wrong. So there are inaccuracies. So this must be deleted. 
As you can see it says XXXX XXXX. It was a business account that has nothing to do with my personal credit report. 
It is spelled wrong. Which mean by law that is was verified correctly and it so inaccurate to it my be deleted.

Company response to consumer: Closed with non-monetary relief