vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I am writing to formally request the removal of a charge-off appearing on my Credit report associated with the information the following Account XXXX : XXXX date of charge off 2023. also XXXX XXXX XXXX XXXX XXXX XXXX account # I XXXX the reporting of this change-off to Credit reporting agencies may be in violation of federal law, partticularly 15U.S.C. 1681. Specifically, I am requesting documentation showing that I was provided an opportunity to " opt-out '' of the sharing of my nonpublic personal information with non-affiliated third parties prior to this charge-off been reported to Credit reporting agencies or any other non-affiliated parties.

under 15 U.S.C. 6802, CREDITORS are required to provide notice and an opt-out option to customers before sharing nonpublic personal information with third parties that are not affiliated with the Creditor.I am requesting that they provide me with 1.Proof of Notice : Evidencethat I was given the required notice under 15 U.S.C.6802 [ B ] Beforeany such sharing occurred 2.Opt-Out opportunity : Documentation showing that I was giving an opportunity to opt out of this information sharing as required by law. if they can not provide this documentation, it suggests that they may violate my obligation under 15 u.s.c 6802 which governs the conditions under which nonpublic person information can be shared .additionally, the failure to provide such documentation would imply non-compliance with your information security obligation under 15U.S.C. 6801 which requires you to protect the confidentiality of customer information, swell as 15U.S.C.6803, which governs the disclosure of privacies to customers. Given that no valid documentation has been provided to me regarding my right to opt-out of this information sharing, I believe hat the large-off should not have been reported in the first place .and therefore, it should be removed from my credit report immediately. 
I respectfully request that you : remove the charge-off from my credit report .CEASE ANY Further REPORTING OF THIS information TO NON-AFFILIATED THIRD PARTIES. 
.PROVIDE WRITTEN confirmation OF THE REMOVAL.

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 2024-10-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: IL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-10-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-04 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-10-04 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Entered into an account with Wayfair, their lender is Comenity Bank ( now d/b/a Bread Financial. This was approximately XXXX or so years ago. They consistently send the bill after the due date ( for example, I received this month 's bill yesterday XXXX but the due date is XX/XX/year>. Therefore, I have for the entirety of this loan incurred late fees. I have been trying to pay it off for some time now, but I can not because I keep receiving the bill after the due date, and more late fees. ( They are also assessing late fees on the entire balance at the loan 's inception, not on the balance due ). I spoke with their representative on the phone who said he can not waive late fees. They continue to report my being late to credit bureaus, which is affecting my ability to buy a house because of my credit score. I have a perfect repayment history, except for Wayfair/Comenity . I would like for Comenity to refund all late fees assessed during the entirety of this loan, and to report to the credit bureaus rescinding their reports of late payments. 

After reaching out to friends and on social media, I am not the only person that they do this to. If they refuse to resolve the issue responsibly, they are inviting a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: AL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
As part of energy saver and save on my electricity bill, went with XXXX XXXX XXXX to assess and install the solar panels. 
Now it's almost one and half year, the first year the solar was looks to save my bills, but this year am landing up paying loan for my solar panels and also paying electricity more than the normal bill, Some where the company is failed to assess completely my power requirements and just to sales, they promised that the installed solar panels will help me reduce my electricity bills. 
I see steep increase in my electricity bill contiuously i am paying XXXX, XXXX and XXXX along with {$91.00} towards solar panels loan, ultimately i am XXXX and XXXX and XXXX, as part of saving, i am land up paying more bills The loan is with Dividend Solar Finance LLC Attaching the my electricity bills from XX/XX/year>, XXXX bill is minimum bill around {$23.00}, But XXXX month you can see that steep increase in electricity bill, along with that i need to pay the solar loan with Dividend

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been a member of chase bank for approximately 15 years or more, when I started my business account there was no monthly fee ; now I am being charged a monthly fee, they are saying my account has less than {$3000.00} at the end of the month, through the month I deposit of approximately {$8000.00} to {$12000.00} a month, it started out initially without any monthly fee but the past year 2 years or so they made a changes I think my account should have been grandfathered and I should not be charged a monthly fee ; think it's unfair by chase squeezing the small business for as much as they can get out of us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-04 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: 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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXXXXXX 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 XXXXXX/XX/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 2024-10-04 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report 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 2024-10-04 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: MD

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX and Experian put fraudulent information on my credit report/history/score. I have never entered into any agreement with XXXX XXXX XXXX nor XXXX XXXX XXXX nor sought out any product or services from them. XXXX XXXX XXXX and XXXX XXXX XXXX fraudulently obtained my social security number and used it fraudulently.

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 2024-10-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
My leased XXXX XXXXXXXX XXXX was damaged while parked at my apartment building on XX/XX/XXXX. The damage estimate is about {$10000.00}. 
The person responsible reported the damage to his insurance company. My lease expired XXXX weeks later, on XX/XX/XXXX. 
It took XXXX weeks for the insurance company to approve the claim and another XXXX weeks to get it into a body shop affiliated with the closest Genesis dealer.

The car has been there for about a month waiting for parts needed to complete the repairs.

Genesis Cars can not source the parts needed and they are on back order with no estimate for when they will be shipped to the body shop. It is possible it could take several weeks, or months to get the parts needed. 
Genesis Finance is threatening me with a collection action unless I extend the lease term and continue making monthly payments of {$580.00} since I am late in returning the car. I have spent weeks giving it my best efforts to resolve this but have no control over this process. 
The third option is that I have the car sent to the Genesis dealer nearby with the repairs incomplete and they will assess me the costs of the remaining repairs. 
Either scenario will either cost me hundreds, or potentially thousands of dollars, or damage my XXXX credit score. I've asked the case manager at Genesis to intervene and explain the situation to Genesis Finance. They refused, saying the XXXX are totally separate entities and they would have no way to help. 
The case number assigned for this by Genesis Cars is XXXX. 
I did not damage my car and have no control over when Genesis Cars might find the parts needed to complete the repairs. Genesis Finance continues to hold me responsible for both. 
My car is at the XXXX XXXX XXXX XXXX in XXXX TN. XXXX is handling the repairs and can be reached at XXXX. 
Please let me know what more I can tell you about my situation.

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 2024-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I bought a truck that Capital One worked with the car dealership and recommended I had the truck for XXXX weeks and the clutch went out on it and the sleep cylinder went out on it I begged for bumper to bumper coverage when I was buying the vehicle the interest rate was outrageous and they sold me the lowest liability coverage you can get and lied right to my face. I begged to work out a payment plan and they said they couldn't help me. I'm not working as much and the truck I bought had issue after issue and it took XXXX months for them to finally fix my truck. I'm a single father of XXXX amazing kids and these car dealerships love to get you at your lowest moment when you have no option but to sign however capital one had that dealership as a dealership they recommended and work with to finance me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a business check for {$340000.00} washed and name changed on payee. Deposited into a Chase bank. Bank fraud was committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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