vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-21 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: DE

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Disputing : XXXX XXXX XX/XX/XXXX {$1000.00} 15 USC 6802 - Obligations with Respect to Disclosures of Personal Information I DO NOT recall giving XXXX XXXX XXXX XXXX permission to give my personal information to XXXX XXXX. Additionally, I did not give XXXX XXXX permission to report to my credit. 



15 USC 1681 - 15 USC 1681 ( b ) - Reasonable Procedures I DO NOT recall XXXX XXXX XXXX XXXX XXXX XXXX XXXX opportunity to opt out of sharing my information. XXXX XXXX is reporting this account to my credit report 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 non-monetary relief
Consumer complaint received 2023-05-21 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Disputing : XXXX XXXX XX/XX/XXXX {$1000.00} 15 USC 6802 - Obligations with Respect to Disclosures of Personal Information I DO NOT recall giving XXXX XXXX XXXX XXXX permission to give my personal information to XXXX XXXX. Additionally, I did not give XXXX XXXX permission to report to my credit. 



15 USC 1681 - 15 USC 1681 ( b ) - Reasonable Procedures I DO NOT recall XXXX XXXX XXXX XXXX XXXX XXXX XXXX opportunity to opt out of sharing my information. XXXX XXXX is reporting this account to my credit report 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 2023-05-21 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: IL

Complaint narrative:
random inquires popping up from 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 non-monetary relief
Consumer complaint received 2023-05-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
random inquires popping up from 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 non-monetary relief
Consumer complaint received 2023-05-21 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XXXX XXXX I sent out a letter after reviewing my credit score with Transunion that I saw some incorrect information on my account. Once again I have demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts which Ive listed below. I also sent out a letter on XX/XX/2023 informing them that its been 30 days and I havent received contact from them. Ive received my credit report date XX/XX/2023 from the explaining my credit report from their view. However there are still some discrepancies for accounts ( XXXX XXXX XXXX XXXX : # XXXX Unverified Account ) ( XXXX XXXX XXXX Account Number : # XXXX Unverified Account ) & ( XXXX XXXX Account Number : # XXXX, XXXX Unverified Account ). 

Ive broken each account down that they have listed as accurate thats inaccurate. 

XXXX XXXX Account XXXX : # XXXX Unverified Account : This account is reporting a high balance of {$710.00} even though the balance is reporting {$0.00}. This account also shows that it was purchased/sold off by another lender XXXX XXXX XXXX XXXX This is violating tax code 15 USC 1681 and needs to be deleted immediately XXXX XXXX XXXX Account Number : # XXXX Unverified Account : As you can see on the credit report the original creditor was XXXX  XXXX. Not XXXX XXXX XXXX. This a Collection/Charge off, it can not report as a late payment. It was once again sold to XXXX XXXX XXXX, Ive requested that Transuion send me a method of verification with my wet signature from this company once again. 

XXXX XXXX Account XXXX : # XXXX, XXXX Unverified Account : This account as well has been charged off. Its reporting a high balance of {$2200.00} with a balance of {$1700.00} & a past due balance of $ XXXXThis is an inaccurate account that is furnishing on my credit report. This particular account has be filed as cancelled debt and the company has filed it on their income taxes but theyre still reporting it as debt.This company never sent me an 1099C form which Ive requested by mail. This is a violation of 15 USC 1681EB. This account needs to be deleted immediately.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act once again. Im also requesting that these inaccurate accounts be deleted 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 2023-05-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts that are in negative standing that are currently listed on my credit report, 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

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 2023-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
During the pandemic I could not pay my bill because I was struggling and still am I was set up on a hardship program to get the card paid off was told that if I paid from XX/XX/XXXX till XX/XX/XXXX which I did it would take care of the money I owed so I did just that. Then I was told by the representative at Comenity bank that the information I was given by the lady who set me up on the program that I would be done paying after XX/XX/XXXX now they are trying to make me still pay. They told me that they were sorry I was given the wrong information. Their calls are suppose to be recorded for quality assurance so how come the call was not recorded of the conversation I had with the lady that set me up on the program. I have the letter of how many months I was suppose to pay I contacted the XXXX and they are the one 's who told me to contact your location about this issue. I was then contacted again on XX/XX/XXXX the call was recorded and the representative was trying to get me to agree to pay {$20.00} by XX/XX/XXXX I told them no because that's not what I was told in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: MO

Complaint narrative:
My son sent me a Visa card for {$75.00} issued by US Bank. He purchased it at a Kroger store in Georgia on XX/XX/XXXX, the the store # is XXXX. I saved it till spring of this year, as I wanted to buy new lawn chairs. 
I went to XXXX XXXX XXXX in XXXX, Mo. on XX/XX/XXXX and it was declined twice. As I researched, I found out other people have had the same problem. I called the number on the back of the card, and was told I had to go to their web site to register the card. As I filled out all the info, including Name, Address, Phone Number, and Drivers License. The web site just sat there and did nothing. I did this several times including calling. I had my daughter try, and she did several times and called, to no avail. I am at my wits end, as this is XXXX XXXX dollars. I am sure this is a scam, and hope this notification helps others in the future. How can US Bank/Kroger do this, and how can you help. 

Sincerely, 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 2023-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XX/XX/2023 I've been banking with Wells Fargo I continuely get charged overdraft fees when I have overdraft protection! I've also submitted several applications fir credits cards, business & home loans as I am a XXXX XXXX XXXX veteran but I am continually denied. This seems as if I am being racially and biased against!

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 2023-05-21 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed damages on my credit report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character!

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 2023-05-21 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: PA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This debt collector is violating my rights by continuing to report false and inaccurate information on all three of my credit reporting agencies. I was forced into a settlement with this company due to them using scare tactics. this collector whom I have never signed a contract with has been reporting inaccurately on my reports and continues to report to the reporting agencies unauthorized by me the consumer. I never gave them permission to report anything that has to do with me to a credit reporting agency. resulting in the defamation of my character and contributing to the denial of products that I am currently applying for.

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 2023-05-22 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
victim of identity theft please fix and correct 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 2023-05-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
victim of identity theft please fix and correct my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
I had a car loan with Bridgecrest which I refinanced with XXXX XXXX. Bridgecrest provided XXXX XXXX a 10 Day Payoff of {$24000.00} on XX/XX/XXXX which did not include a {$2300.00} payment for a canceled car warranty. After initially telling me they " don't provide statements '' ( see pg. XXXX of Bridgecrest text thread ), I received a statement in the mail that shows that they received payment for the car warranty refund on XX/XX/XXXX, even though I had called and messaged customer service several times in the month of XXXX and XX/XX/XXXX to ask if they had. Refer to page XXXX of text thread where customer service denies receipt of XXXX refund on XX/XX/XXXX and the transaction history that shows receipt as of XX/XX/XXXX. 

Bridgecrest has now received a payment from XXXX XXXX for {$24000.00}, however my principal balance at the time of payoff was {$22000.00}. I also submitted a regularly scheduled payment on XX/XX/XXXX for {$530.00} through my banks bill pay before I was informed the refinance had gone through. 

I have included the Transactions History I received from Bridgecrest, my Text Messages with their customer service, and an email i received showing they received a {$24000.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Disputing : XXXX XXXX XX/XX/XXXX {$1000.00} 15 USC 6802 - Obligations with Respect to Disclosures of Personal Information I DO NOT recall giving XXXX XXXX XXXX XXXX permission to give my personal information to XXXX XXXX. Additionally, I did not give XXXX XXXX permission to report to my credit. 



15 USC 1681 - 15 USC 1681 ( b ) - Reasonable Procedures I DO NOT recall XXXX XXXX XXXX XXXX XXXX giving me opportunity to opt out of sharing my information. XXXX XXXX is reporting this account to my credit report fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am currently trying to fix/repair my credit. I have been using XXXX XXXX. They suggested me an offer for a XXXX card with outstanding approval rates for XXXX XXXXit card. No credit limit was give, only a {$59.00} annual fee as opposed to the {$75.00} fee that had a line struct through it. in addition to XXXX XXXXXXXX  card company sent me an email for a {$700.00} approval. So I applied. I immediately received an email that I was approved and my card works be mailed to me XXXX days. Upon receiving the card I called to activate it. At that time I was notified that my credit limit was {$300.00} not the {$700.00} extended to me via email. I immediately expressed my concern and displeasure of being lied to about the credit limit and annual fee. They stated after running my credit they decided to decrease the credit limit. 

I called XXXX over XXXX  times to resolve this issue. I was told someone would call me back last XXXX. That didnt happen. I called back last Wednesday. They said someone would call me back by the end of the day. That didnt happen. I called them back last XXXX only for them to give me the same spill about credit. The letter they sent me did NOT say with approved credit, nor did it say a specific XXXX XXXX, nor did it say based off a certain XXXX XXXX. I would have never applied. 

I was constantly hung up on after asking to speak with a XXXX daily. I informed the company that legally you can not extend an offer then take it back after the application process is complete. I offered to email them proof of the offer. They stated the can not receive outside emails. I reached out to XXXX XXXX who stated the can not assist me with the issue then referred me to the XXXX credit reporting agencies, whom I have reached out to as well. With no help with them either. I also fooled a complaint with their sister company XXXX XXXX. I have yet to hear from them. This surely can not be legal. 

The only solution

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 2023-05-21 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: SC

Complaint narrative:
My First & Last name are as follows : [ XXXX XXXX ] My Current Street Address is as follows : [ XXXX XXXX XXXX XXXX, SC XXXX ] After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

After you have completed my request, please send me a copy of my credit report reflecting these changes. 
My current address is : [ XXXX XXXX XXXX XXXX, SC 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 2023-05-21 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: SC

Complaint narrative:
My First & Last name are as follows : [ XXXX XXXX ] My Current Street Address is as follows : [ XXXX XXXX XXXX XXXX, SC XXXX ] After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

After you have completed my request, please send me a copy of my credit report reflecting these changes. 
My current address is : [ XXXX XXXX XXXX XXXX, SC XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scott Fetzer Financial Group Inc.
State: NJ

Complaint narrative:
Originally was a door to door salesman offering a home care system for {$1700.00}. Once I received my first invoice the price was almost at {$3000.00}. They said I had a 30 day time period to return which I called and spoke to a manager about refunding the product and canceling the agreement since it was within 7 days of purchase but no one would pick up the product or answer my phone calls for returning. I have sent countless of letters to this company about this situation and they choose to ignore it. 

I was unrightfully charged way more than I agreed to and they lied an ran my credit without permission. I would have never agreed if they were going to run my credit when I specifically asked several times and they prompted that my credit was not apart of the process but it is showing up on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: PA

Complaint narrative:
I noticed a couple accounts on my report I do not recognize

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 2023-05-21 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: PA

Complaint narrative:
I noticed a couple accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX ( XXXX ) late payments on an account that I was never late for. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. 

I have never been late on payments for the account : XXXXXXXX XXXX XXXXXXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks

Company response to consumer: Closed with explanation