vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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  XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse 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 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 2024-03-02 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3700.00} XX/XX/XXXX XXXX  XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$380.00} XX/XX/XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX {$180.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse 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 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
Consumer complaint received 2024-03-02 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: NY

Complaint narrative:
There are several errors on my Equifax and XXXX credit reports. on my Equifax XXXX ) XXXX XXXX acct # XXXX, XXXX ) XXXX XXXXXXXX XXXX  XXXX acct XXXX XXXX * XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXXXXXX ( Bank ) XXXX XXXX ) XXXX XXXX ( Bank ) XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$380.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$340.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX {$180.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse 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 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
Consumer complaint received 2024-03-02 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: CA

Complaint narrative:
There is information reflecting in my credit report that is incorrect that is not my account and it is being reported as a collections I reviews my report with Equifax and there is no account XXXX XXXX owned by XXXX XXXX XXXX please review immediately and remove as it is an incorrect representation of me. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I had a XXXX week trial of XXXX XXXXXXXX. The XXXX said if I returned them I would not be charged. After XXXX days it was apparent that they did not work. I returned them I have a receipt. The XXXX said that he would take care of it and I would be charged anything. Well after XXXX months I started getting phone calls and credit card bills. At first I didnt know who it was. Then I figured it out and called them. The credit card company, comennity, said the dr. Did not return them in time and I owe XXXX. In late fees. Ill send you the bills if you need them. So now I have a negative on my credit. No fault of mine. I need help.. thanks. Call me XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
On XX/XX/XXXX I received a notification that my credit card was used to make a purchase that I did not make. I immediately within an hour notified the credit card company ( Barclays ) of the fraudulent transaction. They cancelled the card number and issued me a new card. On XX/XX/XXXX I received a letter from Barclays saying the merchant disputed the claim. Barclays applied the transaction to my new card. I called Barclays and they said they opened the investigation on XX/XX/XXXX ( 33 days after I reported the fraud ). I called the merchant and they acknowledged the use of my card was fraudulent and they did not properly vet the use of my card. Barclays still refuses to remove the fraudulent charge from my account. I have made several phone attempts with Barclays but they refuse to do anything to resolve the issue. I also filed a police report with the XXXX CT police for the identity theft and fraudulent charge. The police report number is 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 monetary relief
Consumer complaint received 2024-03-02 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I have a number of credit inquiries on my credit reports XXXX & XXXX on XXXX, a few are from the same company on the same day. I didnt not gave permission for this to happen. When I called companies I was told my address doesnt match.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I have a number of credit inquiries on my credit reports XXXX & XXXX on XXXX, a few are from the same company on the same day. I didnt not gave permission for this to happen. When I called companies I was told my address doesnt match.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: GA

Complaint narrative:
I recently checked my credit report and discovered invalid personal information along with fraudulent Collection account named : XXXX XXXX XXXX opened XXXX in the amount of {$450.00} which is inconsistent with its reporting across all XXXX credit bureaus and several inquires appeared on my report. I have contacted the company to remove it and sent them my UNITED STATES POSTAL POLICE report and FTC report.It has been several months and I haven't gotten anything from the company as requested for the Debt Validation showing what application that has my signature applying for credit from them and authorization to access my file. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2024-03-02 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: GA

Complaint narrative:
I recently checked my credit report and discovered invalid personal information along with fraudulent Collection account named : XXXX XXXX XXXX opened XXXX in the amount of {$450.00} which is inconsistent with its reporting across all XXXX credit bureaus and several inquires appeared on my report. I have contacted the company to remove it and sent them my UNITED STATES POSTAL POLICE report and FTC XXXX has been several months and I haven't gotten anything from the company as requested for the Debt Validation showing what application that has my signature applying for credit from them and authorization to access my file. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2024-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I have been making payments to Westlake Portfolio Management since they took over American Car Center last year XXXX. I am receiving misinformation from Representative that work there and my payments are not being applied as I been advised. I was told just recently on XX/XX/XXXX that if I paid {$270.00}. That will take care of my XXXX payment and XXXX is what due. I have statements of what I paid but they are misapplying payments, taking my money for not what I been told but applying for previous months. I have now {$520.00} bill for XXXX and not sure where that extra {$270.00} came from? Someone really need to take a look into this company because it's ridiculous with not trained associates taking people money. I literally just paid {$270.00} on XX/XX/XXXX and it shows on statement but it's like it wasn't applied because I am owing over {$520.00} now. It is very hard to speak to a manager with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : 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 A. XXXX I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a 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
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
unauthorized inquiry by trans union

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 2024-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: TX

Complaint narrative:
Never applied forreceived an email from a collection agent for Conns for XXXX purchase, I have never purchased anything from Conns.. I have never applied for credit from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: NH

Complaint narrative:
I requested notice of who my mortgage servicer is and was told CrossCountry Mortgage by my mortgage company. I received a call from XXXX XXXX mortgage service and they were claiming to be my mortgage servicer. My CrossCountry Mortgage did not specify that XXXX XXXX would be my servicer and did not give contact information for XXXX XXXX. I called the VA, and they verified that my mortgage servicer is XXXX XXXX. CrossCountry Mortgage refuses to provide correct contact information for payment and complaints for my mortgage servicer, which has resulted in a late payment. I believe these actions violate federal predioty lending laws and I request relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  **************** {$18000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8900.00} XX/XX/XXXX XXXX  XXXX {$3800.00} XX/XX/XXXX XXXX  XXXX  XXXX XXXX {$1800.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse 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 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
Consumer complaint received 2024-03-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I dont have a PayPal account. Never had a PayPal account in my whole life.scammers set up accounts in my name XXXX  XXXX XXXXPayPal inc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
During the XXXX time, the bank was charging fees for overdrafts, monies out of my control, and more. They put a hard watch and I would have to call every Wednesday for them to release MY child support that they would hold until I called. I was always put on hold for them to release MY money. I feel I should be compensated for the emotional distress and MY money being held in my account. They charged me overdraft fees that should not have been charged at the time of XXXX. I was unemployed to to my job closing down during 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 2024-03-02 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: I.C. System, Inc.
State: GA

Complaint narrative:
I am reaching out to this company to speak on the collection that has been placed on my file. This is account is fraudulent and not my account. I have submitted in appropriate documentation showing how this is in fact a fraudulent account. To take things a step further, as a consumer it is illegal to place an account for collection without submitting in proper documentation. I am requesting that you all send over your errors of omissions policy number, the chain of title, and the orignial contract show proof that this account has been placed for collection. I am requesting that you send me over these documents within five days. If you can not provide this documentation, then per the law this is a violation and this account should be deleted. I have no knowledge of this account in the first place and this is just really ridiculous. 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 explanation