vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-08-24 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: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i have an account with Capital One, after reviewing my statement i have notice that additional interest was accessed on the account after the XXXX statement was paid in full on XX/XX/year> and the due date is XX/XX/year>. 
I called the customer service line on Saturday, XX/XX/year> at XXXX and the representative i spoke to is rude and can not explain why the additional interest was applied to the account. Not only she is talking over me but hang up as well. ( unacceptable behavior ) i called again and spoke with supposedly a supervisor by the name of XXXX, i ask her to review the call of my encounter with the employee who is rude, but she claimed they do not have the recording and can not review it ( it's a lie as the beginning of the call, there is a disclaimer that the call is being recorded and monitored ). 
My XXXX Statement has a balance of {$1800.00} that is due on XX/XX/year>. I paid the balance in full on XX/XX/year>. Interest has already been applied in the amount of {$30.00} posted on XX/XX/year>. Interest was applied again on XX/XX/year> for {$8.00}. 
Her explanation state that the additional interest was applied from the XX/XX/year> to XXXXin which it does not make any sense. see attached documents

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-25 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, XXXX XXXX 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 1631 Section 604 A.

Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2024-08-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 1631 Section 604 A.

Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I purchased XXXX items in Banana republic store using Barclays banana republic credit card. I went to the store in XXXX XXXX, CA to return these items on XX/XX/XXXX within 30 day of purchase. The store was unable to process the return due to credit card technical issues ( per store manager ). I called credit card from the store. After talking to customer service rep and store manager, I was advised by card service rep to leave items in the store and she will open the dispute. ( she confirmed with store manager that I left the items ).

As of today, credit card closed the dispute twice, stating lack of evidence and too late to reopen the case. ( cc manager asked me to send letter and prove of return and promised to personally investigate the case. Yesterday Ive learned the case was closed again and I have to pay {$1500.00} ( charge for XXXX items plus now late fees ). I went to the store ( XXXX XXXX XXXX each way for me ) and they promised to follow up on their side, however the credit card representative stated the case is closed and nothing can be done. I am waiting for credit card manager to call me, however I dont believe anyone wants to investigate and resolve this, ultimately making me at fault for their incompetence.

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 monetary relief
Consumer complaint received 2024-08-25 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: American Credit Acceptance, LLC
State: CA

Complaint narrative:
click improper use of your report XXXX the fair credit report act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have right to privacy. 15 USC 1681 section 604A, section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
click improper use of your report XXXX the fair credit report act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have right to privacy. 15 USC 1681 section 604A, section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX. After several of my identity documents were stolen I found several accounts opened without my knowledge or approval. I have since filed a police report and have attached a copy of the police report to this complaint. I have also attached a dispute for each fraudulent account to this complaint.

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 2024-08-25 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: NJ

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: NC

Complaint narrative:
I would like to dispute the following negative accounts on my credit report. 

XXXX : XXXX OF XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX COLLECTION ( Original Creditor : WAGS LLC ) Account Number : XXXX {$2900.00} XX/XX/XXXX CAPITAL XXXX Account Number : XXXX {$320.00} XX/XX/XXXX XXXX : Bankruptcy chapter XXXX Case Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX DEFI/TMCC/MAZDA FIN SV Date of inquiry XXXX XX/XX/XXXX XXXX OF XXXX XXXX Date of inquiry : XX/XX/XXXX CAPITAL XXXX Account Number : XXXX {$320.00} XX/XX/XXXX CITICARDS XXXX Account Number : XXXX {$0.00} XX/XX/XXXX MIDNIGHT VELVET Account Number : XXXX {$0.00} XX/XX/XXXX TransUnion : Chapter XXXX bankruptcy dismissed Case Number : XXXX XXXX OF XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$320.00} XX/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 non-monetary relief
Consumer complaint received 2024-08-25 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: NC

Complaint narrative:
I would like to dispute the following negative accounts on my credit report. 

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 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 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

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 2024-08-25 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:
Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ga, XXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Medical Data Systems XXXX According to section 15 U.S. Code 1692g ( Validation of debts ). 

XXXX. I want all creditors to send me a detailed list of the history of payments made by me on this account. 
XXXX. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. 
XXXX. XXXX asking to see has there been any insurance claim filed on this debt. 
XXXX. I want proof that you have the chain of title to collect on this debt. 

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

In addition, XXXX requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last XXXX years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Deinde Online Services, LLC
State: SC

Complaint narrative:
ACCOUNT XXXX  XXXX I need to know who the original creditor is because this account isnt familiar to me. I dont agree with it. Would you agree? Im just trying to be real and honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days. 

.

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 2024-08-25 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: TX

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days. 

.

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 2024-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This card is from Mattress XXXX but run by Synchrony. They are charging a {$1.00} fee/m for " paper statement fee. '' If this charge was disclosed, it was hidden.

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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
The referenced account has been disputed since 2019. The cease and desist order was disregarded. Please see the attached pre-arbitration documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: LA

Complaint narrative:
For the last 6 months continually, they do no follow any ruled set by the fcra, these corporate offices need to be reported to XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: LA

Complaint narrative:
For the last 6 months continually, they do no follow any ruled set by the fcra, these corporate offices need to be reported to XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: NJ

Complaint narrative:
I am XXXX XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-08-25 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: NJ

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: CA

Complaint narrative:
Subject : Urgent Dispute of Fraudulent Auto Loan on My Credit Report To Whom It May Concern, I am writing to request your immediate assistance in addressing a fraudulent auto loan that has been reported on my credit file. This loan, supposedly issued by Global Lending Services with a balance of {$30000.00}, is a blatant act of fraud that has nothing to do with me. 

Here are the details of this fraudulent account, taken from my Credit Karma account : Account Holder : XXXX XXXX Loan Amount : {$30000.00} Loan Type : Auto Term : XXXX  months Account Status : Open Opened Date : XX/XX/year> Lender Contact Information : Global Lending Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX : ( XXXX ) XXXX I am outraged that Global Lending Services has XXXX this XXXX fraudulent activity. This company, which is based in XXXX, XXXX near my residence in XXXX XXXX, XXXX clearly engaged in unscrupulous practices by associating this fraudulent loan with my credit. 

This false information is causing undue stress and has the potential to severely impact my XXXX XXXX and financial wellbeing. It is unacceptable that a company can engage in such fraudulent activities, and I demand that this issue be rectified immediately. 

I am asking the CFPB to investigate XXXX XXXX XXXX ' role in this fraudulent account and to ensure that this fraudulent loan is removed from my credit report as quickly as possible. The lender must be held accountable for their actions, and this fraudulent activity must not be allowed to damage my financial reputation. 

I have already contacted XXXX to dispute this account and will be pursuing further action against XXXX XXXX Services if necessary. I trust that the CFPB will take the necessary steps to assist me in resolving this matter swiftly. 

Should you need any additional information, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX. 

Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation