vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 explanation
Consumer complaint received 2023-03-29 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: MI

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT XXXXXXXX XXXX ACCT # XXXX, has violated my rights 15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX ACCT # XXXX, has violated my rights 15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2023-03-29 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: FL

Complaint narrative:
I am a victim of identity theft and I did not authorize the following inquiriey : XXXX XXXX XXXX via XXXX XX/XX/2023

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 2023-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following inquiry needs to be removed immediately:

Creditor Name: XXXX XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX Date: XXXX XXXX XXXX  
Creditor Name: XXXX XXXX XXXX Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX Date: XXXX XXXX XXXX  
Creditor Name:  XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX &
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX &
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX  &
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX XXXX
Date: XXXX XXXX XXXX  
Creditor Name:  XXXX XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX
Date: XXXX XXXX XXXX


Creditor Name: XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX  Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX  Date: XXXX XXXX XXXX

Creditor Name:XXXX XXXX  
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX  Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Original creditor: XXXX XXXX XXXX XXXX
Account name :XXXX XXXX XXXX
Account : XXXX 
Amount : XXXX

Original creditor: XXXX XXXX XXXX XXXX
Account name :XXXX XXXX XXXX
Account : XXXX
Amount : XXXX

Original creditor: XXXX XXXX XXXX
Account name : XXXX XXXX XXXX
Account : XXXX
Amount : XXXX

Original creditor: XXXX
Account name :XXXX XXXX XXXX XXXX  Account : XXXX
Amount : XXXX  
Original creditor: XXXX XXXX XXXX XXXX
Account name :XXXX XXXX XXXX
Account : XXXX
Amount : XXXX

Original creditor: XXXX
Account name :XXXX XXXX XXXX  Account : XXXX
Amount : 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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I filed an identity theft report on XXXX XXXX XXXX account additionally XXXX and XXXX followed the law and deleted the accounts, This is clearly fraudulent information that Transunion is still reporting so it needs to be removed immediately per the FCRA 15 U.S.C. 1681 and 15 U.S.C. 1681c-2 ( a ). I have attached evidence of Transunion reporting this inaccurate fraudulent information. Furthermore, Transunion and XXXX are reporting XXXX XXXX XXXX inaccurately, and non congruent when XXXX had removed the fraudulent account, this also needs to be reporting accurately per the 15 U.S.C. 1681.

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 2023-03-29 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: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT ... XXXX ACCOUNT XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written permission 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Hi we financed two vehicles. My XXXX XXXXXXXX XXXX XXXX XXXX. We got it at a reduced price {$11000.00} credit acceptance website says almost {$22000.00}. My husband 's car {$7500.00} it says almost {$12000.00}. They messed up our credit score big time. They're doing it to others to.

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 2023-03-29 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: CA

Complaint narrative:
On XX/XX/2023, someone attempted to open a XXXX  XXXX credit card in my name. 
This appeared on my credit report on all 3 agencies. 
XXXX  XXXX did call to verify and I was not compromised. 
The action appeared on my credit report so this person has access to my social security number, name, address, and personal information. 
The address used was XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX and the phone number was XXXX XXXX. 
I have no knowledge of anyone or anything in North Carolina and have disputed this attempt to steal my identify. 
I did phone NC police and received Police Report # XXXX from their office. 
I am reporting this attempt to open a credit card in my name, which resulted in inquiries on my credit report which are inaccurate so that I can document my personal information is being compromised.

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 2023-03-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX ( XXXX ) Amount : {$2100.00} 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.

The credit bureaus keep disregarding the laws. According to 15 USC1681i ( 5 ) & 15 U.S.C. 1681s-2 ( A ) ( 1 ) the credit bureaus said everything was complete and accurate and I asked them how if the contact information is wrong and the IP address doesn't track to me. This violation after violation is causing me anxiety and a lot of stress a s I have no faith
with this system.

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 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 my card was somehow used at an atm machine in a different city and they took out XXXXXXXX XXXX Ive had my card with me at all times and I was home the same day they took my money I submitted a dispute and it got denied I was asked to write to them so I can receive the documents they wouldnt give me any information on the phone regarding there decision they said I had to write a letter so I did and I havent heard from them its been almost 2 months and still no information regarding there reason for not refunding me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: WA

Complaint narrative:
The card I received never worked since day one. I have spent several hours on the phone with the services team with the number on the back of the card ( XXXX XXXX ) I attempted to withdraw money from a local US Bank in person from a teller. When they ran the card it came back on the machine as fraud. I called the number on the back of the card and the service rep said they would remove that and that there is no problem. I have made a total of 12 calls and gone into the bank 9 separate times to have them to run the card. Still comes back fraud. 

I have jumped through all the hoops they requested of me, including uploading a picture of my face and sending a picture of my passport, ID ) and at this point I'm suspicious of them for fraudulent holding of money. I am still not able to get my money and they claim my ID I uploaded is " cut off '' But I used their system and called a rep right after I uploaded and he confirmed the ID was received and it would take 2 days for the hold on my card to be lifted. 

I am suspecting the company that handles ReliaCard services and fraud-management team as a fraudulent and corrupt vendor for US-Bank.

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 2023-03-29 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: CITIBANK, N.A.
State: MI

Complaint narrative:
in accordance with the FAIR CREDIT REPORTING ACT ... XXXX ACCOUNT XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end credit plan as late for any reason

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 2023-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I currently own a XXXX XXXXXXXX XXXX. There is a lien attached to my title from a previous owner. The bank on the XXXX  is Synchrony Bank. I provided them with information of my ownership as well as a copy of a lein release from XXXX ( Synchrony serviced XXXX loans at the time ). They refused to even have a conversation and the bank seems as though there is no workers on the inside just call takers on the outside that dont know the inner workings. Synchrony bank failed to electronically release the lein and will not provide me with a letter stating they have no financial interest in my boat. 

It should be noted Ive called over 20 times and never spoke to a person beyond a call taker. No supervisor or anything. Ive left 4 messages with a next level and no return call..

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 2023-03-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have sent proof to Transunion that accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are reporting inaccurately. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have filed complaints with the Consumer Federal Protection Bureau multiple times with evidence of INACCURATE INFORMATION. Transunion is not removing the inaccurate information and violating my rights. 
All complaints and evidence of inaccurate information is listed below. 
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 non-monetary relief
Consumer complaint received 2023-03-29 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: IL

Complaint narrative:
I did not authorize any of the hard inquires listed I notice these on my credit report XX/XX/XXXX, I have file a police report and a identity theft 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

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 2023-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Nissan Motor Acceptance has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They are violating federal law USC 1692e. They are falsely reporting information to the credit bureaus for an alleged debt not owed to Nissan Motor Acceptance I have never purchased or financed a car through this company. They placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I demand this debt to be removed from their system and from the credit bureaus systems immediately. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 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. I have tried to contact the company several times to no avail they wont provide me any information although the charge off is reporting on my credit. I informed them I have never financed a car with Nissan nor have I purchased a car from any Nissan dealership

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: PA

Complaint narrative:
I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with fradulent accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company has my address in correct I have called ma d provided the correct information my address is 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 non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company has my address in correct I have called ma d provided the correct information my address is 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