vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXXXXXX XXXX XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this 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 2023-06-17 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: 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 XXXX XXXX XXXX. Account name XXXX XXXX XXXX  Account number XXXX XXXX XXXX BANK XXXX Account number XXXX Account name NEIGHBORS XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name WXXXX Account number XXXX Account name PREMIER XXXX XXXX Account number XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 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 2023-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kahn, Dees, Donovan & Kahn, LLP
State: IN

Complaint narrative:
Professional & Business Collections Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX have taken me to court in Indiana, for XXXX XXXX on XX/XX/XXXX originally filed XX/XX/XXXX and dismissed several times by Indiana for a wage garnishment for an illegally obtained medical bill which is a violation of HIPAA rights. They have never reached out to me providing me any signed documentation that I owe them. When I went to the original court appearance they tried to get me to sign legal documentations listing incorrect dates with no explanation ; stating that I would pay them. I refused and asked to go before the judge. which seemed to annoy them. They are conducting illegal business practices that I would like to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Somewhere end of XX/XX/2022 I ordered a XXXX XXXX ( keyboard ) at Guitar Center here in XXXX Texas using a credit card from Synchrony Bank. The amount of merchandise is {$3000.00} that includes shipping and handling fee. Guitar Center told me that i will have the purchased item within 7 business days. I waited for about 14 or 16 days until i recieved it, when i unboxed the merchandise I found out many keys of the keyboard were damaged ( i took pictures of the damage keys ). I returned the keyboard on XX/XX/2022 to Guitar Center in XXXX TX, they gave me a receipt of merchandise returned. A month later i recieved a billing statement from the Syncrony Bank that i have to pay {$570.00} for the purchase of the keyboard. This {$570.00} according to Guitar Center was not refunded to me because it's the amount of shipping/handling, in other word they did not refund the whole amount of {$3000.00}. My questions is, is this legal to charge a consumer of shipping/handling when a mechandise is returned. I would think Guitar Center should be charging the delivery company or whoever deliver the merchadise, i should not be charge of {$570.00} because it was not even my fault.

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 2023-06-17 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: EQUIFAX, INC.
State: OR

Complaint narrative:
ACCT NAME - XXXX ( XXXX BRIDAL ) ACCT NUMBER - XXXX ( AS SHOWN ON XXXX ) XXXX has violated my rights. 

Opened account XX/XX/2019 XXXX XXXX {$1200.00} Acct. Charged Off {$1500.00} Filed a Dispute with XXXX regarding the negative/chargeoff reported. XXXX did nothing, and all the info stayed the same. 

15 U.S.C 1681 Section 602 A states I have the right for privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 items of information, other then records of convictions of crimes which antedates the report by more then 7 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. 

** XXXX XXXX was were I selected a wedding dress for the upcoming wedding. The dress was ordered. No alterations were needed or done on the dress. The wedding was cancelled. The dress was NEVER picked up. Any accessories purchased earlier were returned/not used. The dress was never even looked at, much less taken. It hadn't been altered either. XXXX XXXX was still trying to charge me for the dress I had selected, but had never picked up. No matter who was talked to, they would not alter what was shown on my credit report. They wrote off my account that was never used, so should have had nothing due on it. The account was never used since then again. My credit has been bad due to this incorrectly reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: FL

Complaint narrative:
I recently acquired a copy of my credit report and discovered that my identity has been stolen, which has deeply alarmed me. At present, I am in the midst of purchasing a home for my family, and this unfortunate incident of identity theft has had a detrimental effect on my situation. Therefore, I kindly ask for your urgent assistance in removing these deceitful accounts from my credit report. Please see attached documents

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 2023-06-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently acquired a copy of my credit report and discovered that my identity has been stolen, which has deeply alarmed me. At present, I am in the midst of purchasing a home for my family, and this unfortunate incident of identity theft has had a detrimental effect on my situation. Therefore, I kindly ask for your urgent assistance in removing these deceitful accounts from my credit report. Please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: Berlin-Wheeler, Inc. (Kansas)
State: RI

Complaint narrative:
I have no knowledge of these accounts. And it needs to be removed from all XXXX credit reporting agencies immediately. I did not provide express verbal or written consent to obtain any information about any of my personal and confidential private information.

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 2023-06-17 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: CCS Financial Services, Inc.
State: RI

Complaint narrative:
I have no knowledge of these accounts. And it needs to be removed from all 3 credit reporting agencies immediately. I did not provide express verbal or written consent to obtain any information about any of my personal and confidential private information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint narrative:
Hi its being 45 days i am waiting for the mismatch information to be fixed in the social insurance number two names are showing and i have reported it to equifax but untill now, they didnot fix this issue. On XX/XX/XXXX, i lodged the complaint but didnot receive any confirmation email from them. Calling daily and asking about the update but they are saying just wait 24 hours to 48 hours from last 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had an disputed balance Capital One refused to investigate in XX/XX/2023. I paid the account in full and closed the account because of this after being a loyal customer over XXXX. Days later They re-posted the disputed amount of {$1300.00}. I paid it off and then they added late fee {$25.00}, which was waived due to my payment history. 30 days later, they add another {$4.00} special interest fee, then charged XXXX cent, then another late fee. I was told on each occasion the small amount would get waived, but then they charged another {$5.00} late fee on {$4.00} balance and refused to honor what last CSR said. Now the " closed '' account state I owe {$9.00} and appears they are refusing to settle the account which is threatening my credit rating. The last person I spoke to refused to credit the account and told me, the credit I was promised, was not guaranteed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-17 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: TX

Complaint narrative:
Fourth bitice to the bureau due to inaccurate inquiries that I politely put in writing and constantly asking only option is to file a law suite due to the negligence due to discrepancies inquiries.At issue in the case are inaccurate inquiries or inquiries that do not belong to consumers that appear on consumers credit reports provided by TransUnion. These types of inquiries misrepresent consumers true credit history, unfairly lowering the consumers credit score ( termed hard inquiries ). The complaint notes that failure to remove or address inaccuracies undercuts the healthy functioning of our nations consumer credit system by providing misleading credit history information about consumers to potential creditors and service providers. 

Timeline of Events Leading to the Lawsuit

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 2023-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I made a dispute about this alleged debt Aldous and Associates were trying to collect from me, but this company did not respond within the XXXX days time period to investigate my dispute to resolved my complaint ; Therefore, I demand this company removed this collection off my report or I will sue this company with clear evident I can prove to the court that this company violated my consumer rights under section 809 and 15 usc 1692k ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to address a matter pertaining to my consumer rights and the instructions provided by the Fair Credit Reporting Act ( FCRA ) regarding permissible purpose. I want to clarify that I have never obtained a court order and that the instructions I provided were meant for the consumer reporting agencies, not for legal purposes. Additionally, I am requesting the deletion or removal of all derogatory findings furnished on my consumer reporting report. 

While understanding the FCRA provisions, specifically 15 USC 1681b, I acknowledge that it outlines the permissible purposes for which consumer reporting agencies can provide consumer reports. I want to clarify that my instructions were not intended to claim a court order as a permissible purpose. Instead, they were specific guidelines for the consumer reporting agencies regarding the handling of my credit information. 

In my previous written instructions to the consumer reporting agencies, I explicitly demanded that they take the following actions : Deletion/Removal of Derogatory Findings : I requested that the consumer reporting agencies delete or remove all derogatory findings that are currently being furnished on my consumer reporting report. These findings are causing negative consequences for me, and I believe they are inaccurate or unfairly affecting my creditworthiness. 
Utilization Limitation : I instructed the consumer reporting agencies to ensure that all credit utilization on my report is maintained at 3 % or below. This utilization rate is a critical factor in determining creditworthiness, and I wanted to ensure that it accurately reflects my financial responsibility. 
Pre-Notification of New Inquiries : I asked the consumer reporting agencies to contact me before furnishing any new inquiries on my report. By doing so, I intended to stay informed about any inquiries made into my credit history and have the opportunity to verify and authorize them. 
I would like to emphasize that my instructions were meant solely for the consumer reporting agencies to follow in order to improve the accuracy and fairness of the information they report. I understand that 15 USC 1681b ( 3 ) specifically pertains to court orders and does not apply to my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My complaint is with Equifax scoring with XXXX points drop in my score. There is no rhyme or reason for for this astronomical drop in my score. There is no reason for Equifax or XXXX to drop my score. I have worked for years in getting my score to be good. This is preposterous and ruthless that Equifax would drop my score XXXX points. I'd like for CFPB challenge Equifax to challenge Equifax and XXXX XXXX XXXX for the unscrupulous and fraudulent charges on my account. I asked XXXX XXXX XXXX to give me some help because I ran into financial difficulty a few years ago. ACA, worked with me twice, then put my arrearages on the back of the loan. Since then, I've never been late. XXXX has extended my loan over XXXX year. 72 months was the original contract from 2016. I don't mind paying some penalties, but ACA to charge me {$3.00} penalty a day, is unequivocally fraudulent and ruthless. I want ACA to be investigated for fraud and for making attempts to ruin my credit. I've searched ACA on line and they are notorious for fraud and stealing from its customers. I will also report my concern to the, Federal Trade Commission in order to stop XXXX XXXX XXXX from hurting hard working customers like myself. Please, please stop this company from hurting honest and hard working Americans like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Have had my Capitol One card for two years and have tried three times to get a credit increase and was denied due to a lame excuse of too low a payment which set. I feel like this is a lame excuse esecially when if has not been late. Have tried talking to them but no one will listen just said pay it in full or increase payment. If I didn't need an increase I wouldn't have asked for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: OH

Complaint narrative:
On XX/XX/2023, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account 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 2023-06-17 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: OH

Complaint narrative:
On XX/XX/2023, XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account 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 2023-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
This loan was for my father, I was the co-signer he passed away from XXXX in XXXX they repossessed the car I dont think its right being on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX report late payment which didn't occur, without providing the option to opt out of that information reporting to a non-affliated 3 rd party prior to them reporting it in a court with 15 US CODE 68 0 2 XXXX must provide me with documentation of this and proof of my consent which is also a violation of 68 0 3 and 15 us code 68 0 1 Also, code 15 usc 1666 and code 15 usc 168 1 81 b when information is inaccurate as it is reported Payment history guide 60 days past due as of XX/XX/XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XX/XX/XXXX Moreover, late payments are transactions per 15 us code 1681 : any report containing information solely as to transaction experience between the consumer and the person making a report, this code that transaction are not included in a consumer 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