vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX Customer Service XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> Subject : Immediate Cancellation of Order XXXX Dear Customer Service, I am writing to formally request the immediate cancellation of my order number XXXX. I placed this order on XX/XX/year>, and it was initially scheduled for delivery on the following XXXX. However, I rescheduled the delivery for XX/XX/year>. I have called your organization six times regarding this order : 1. To check on the order 2. To update my phone number and get a delivery time 3. To check on the delivery ( scheduled between XXXX XXXX  ) 4. To confirm the delivery ( I was told it would be within an hour ) 5. For an update at XXXX XXXX  when I was informed that my items were damaged and were not loaded onto the truck 6. To express my frustration Throughout this process, I have repeatedly spoken with a female operator at the number XXXX. On XX/XX/year>, I spoke with her XXXX times, and she continuously lied, claiming I had spoken to someone else. I sincerely hope that my phone calls were recorded and will be reviewed. I recorded the conversations myself, and the lies and deceit from Lowes employees are unfathomable. 
I demand the immediate cancellation of my order. I will not do business with your company again. My products were damaged, not loaded on the truck, and I gave up an entire day of operations for your delivery. My renters were inconvenienced, and your employees acted as if it was my fault and showed no care or consideration.

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 2024-07-01 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: Aqua Finance, Inc.
State: TX

Complaint narrative:
i've been paying Aqua finance for 6 years and the interest rate increases. I see that they were recently sued and i'm wondering why i wasn't considered in the lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MD

Complaint narrative:
Stillman Law Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX PHONE : ( XXXX ) XXXX FAX : ( XXXX ) XXXX WEBSITE : www.stillmanlaw.com Stillman Law Office is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX, XXXX. 

You had a XXXX XXXX XXXX XXXX. 
As of XX/XX/XXXX, you owed : Between XX/XX/XXXX and today : You were charged this amount in interest : You were charged this amount in fees : You paid or were credited this amount toward the debt : Total amount of the debt now : {$3000.00} I received a letter from Stillman law office and they are stating I owe a balance through XXXX XXXX. Ive never open a XXXXXXXX XXXX card after my bankruptcy. I filed for bankruptcy end of XXXX beginning of XXXX so when this card was open I was unable to establish any kind of credit because of my bankruptcy. I do not own a XXXX XXXX or XXXX Recently I have been to court 4 times for XXXX and that fraudulent case was dismissed and I won the case. Please let me know what else is needed. I confirm this account is not mines and I did not open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: TN

Complaint narrative:
To whom it may concern, this company is in violation of my rights. The dates of last activity does not match. You can not carry a balance on a collection/charge off account. You are reporting inaccurate information on my consumer report. All three bureaus are reporting different information which is a violation. Per section 15 usc1681g you have not provided me with adequately information. Also according to 15 usc 1681b ( e ) ( 6 ). ALL credit reporting agencies must maintain a joint notification system. This account and information being reported does not match each other. This means your company failed to keep a joint notification system which now places you in VIOLATION!! Remove this account from my credit report immediately please.

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 2024-07-01 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: TN

Complaint narrative:
To whom it may concern, this company is in violation of my rights. The dates of last activity does not match. You can not carry a balance on a collection/charge off account. You are reporting inaccurate information on my consumer report. All three bureaus are reporting different information which is a violation. Per section 15 usc1681g you have not provided me with adequately information. Also according to 15 usc 1681b ( e ) ( 6 ). ALL credit reporting agencies must maintain a joint notification system. This account and information being reported does not match each other. This means your company failed to keep a joint notification system which now places you in VIOLATION!! Remove this account from my credit report immediately please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
I am currently going back and forth with XXXX XXXX regarding ownership of this account. According to FCRA 15 U.S.C. 1681 i-5 by law you are obligated to reinvestigate this inaccurate information on my account. XXXX XXXX continues to prolong this matter while updating remarks on my credit report. I have not received the PROPER documents as requested ( DEBT VALIDATION ). A debt validation letter is not the same as STATEMENTS. This company has not provided their license number or the right to collect debt within my state ( GA ). I am requesting these items specifically below. 

Proof I owe the debt The exact amount of the debt The age of the debt The debt collectors documented ownership of debt account The debt collectors license, or right to collect on the debt in your state A calculation of whether the statute of limitations has expired for collecting the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-07-01 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: IN

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 Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX has violated my rights. 


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 2024-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
CURRENT CREDITOR : TD BANK USA, N.A.

ORIGINAL CREDITOR : TD BANK USA, N.A. 
REGARDING : TARGET CREDIT CARD CHARGE-OFF DATE : XX/XX/XXXX TOTAL BALANCE DUE : {$700.00} I received a letter from TD bank and they are stating I owe a balance through target credit card. Ive never open a target credit card. I filed for bankruptcy end of XXXX beginning of XXXX so when this card was open I was unable to establish any kind of credit because of my bankruptcy. I do not own a XXXX XXXX or target. Recently I have been to XXXX XXXX times for XXXX and fraudulent case was closed and I won. Please let me know what else is needed. I confirm this account is not mines and I did not open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am reaching out because I tried to go through the correct channels and they won't correct bad information on my credit report. Equifax is saying I have an account in collections through XXXX XXXX XXXX account ending in XXXX and they are saying information that I know is incorrect. I have asked them to update their wrong reporting and they have failed to do so. They reported and closed out the report rather quickly! XXXX with a decision on XXXX of this year. I have asked for them to show how they can proof I have a high balance and payment history on this account since it is a collections account and lowering my score as if it is a creditor account and I know it is a reporting error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I stopped using the service and had it disconnected. The company was trying to charge me for time that I was not using the service. The service has not been used since XXXX XXXX XXXX XXXX XXXX. Subsequently, I questioned the bill about me paying for the months that the service was not in use. XXXX XXXX XXXX  never answered the question or proved that I owed the entirety of the bill. I moved from the residence and I requested that my bill be adjusted for the return of the equipment, however the collection agency Credence Resource Management never answered my question about the equipment returned. However, I paid the bill and the Collection action is still on my credit report. In closing, my agreement was with XXXX XXXX XXXX and not the collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am concerned about the information being reported about me on my report. I do not know what is correct anymore and need this inaccurate account off my 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 2024-07-01 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-07-01 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I have been Made aware of banking accounts being open with my all My personal information with out my consent I have been unable to open and new account due to this identity theft problem

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: IL

Complaint narrative:
After reviewing my credit report i have noticed a lot of inaccuracies on my credit report that are harmful to me. i would assist with removing these items, so that i can secure a home loan for me and my family. 

I request that you investigate these discrepancies promptly, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. Please conduct a reasonable investigation and provide me with the results within 30 days, as required by law. 

XXXX XXXX : Account Number 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