vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
the loan amount was trippled then they repo the car put a high fee on me then have me in dept keep reporting negative items 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 non-monetary relief
Consumer complaint received 2023-02-22 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: FL

Complaint narrative:
On XX/XX/23 i looked at my consumer report and was immediately frustrated with the 15. U.S.C 1681n willful non compliance to my disputes and complaints, I have submitted to CFPB, TransUnion, XXXX XXXX XXXX. XXXX, XXXX & TransUnion STOLE my information committing FRAUD by reporting such hernias things on my credit profile. This has cause me great stress. I demand these items be removed from my credit profile immediately or I will seek litigation and 15 U.S.C. XXXX Civicl Liability for EACH violation. I have not given TransUnion, XXXX or XXXX permission to disclose ANY information per 15 U.S.C 6802 on my credit report. Under 15 .U.S.C 1681 ( i ) states ALL reported information HAS to BE 100 % 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 2023-02-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a store card with Victoria Secret through Comenity. Comenity strikes again! I have not been using my store card for months just paying on it. Today ( XX/XX/2023 ) I am doing some finances and got to look to see how much I have left. I am negative!! I get XXXX because I havent made purchases and yet it says interest on purchase, several times and purchases several times for something called ACCOUNT ASSURE. I assume this is some sort of card protection that I never signed up for. I dont check my acct on a regular because I have paperless statements ( looking out for the environment ) needless to say each month I make a payment it seems it is voided by not only a charge that shows as a purchase from account assure, but interest on this false charge. They have charged me several times over the course of months and interest which totally voids out any minimum payments. Therefore instead of paying down my balance on this card every month, I pay and pay and still end up in the negative for purchases I did not make, and I service I did not sign up for. Please help because I cant afford to constantly make my payments assuming I am eliminating debt while this company is adding debt to my acct and destroying my already not great credit in the process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22 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:
XX/XX/XXXX - Transunion credit reporting company. Requested that a creditor be removed from my credit report, XXXX XXXX XXXX XXXX. This is a medical bill with an original balance of {$380.00}, and per the bill passed in Congress in XX/XX/XXXX, credit reporting agencies are required to remove ORIGINAL medical debt of {$500.00} or less. Per the bill, this applies to the ORIGINAL debt, not debt added by collection agencies, like what has been done by XXXX XXXX XXXX XXXX. Transunion has refused to delete the medical bill from my report stating that the ORIGINAL debt does not apply, only the ORIGINAL medical debt + interest, which brings my total debt on this item to over {$500.00}. But this is in violation of how the law reads. 

XX/XX/XXXX - Requested the same, as above, with Transunion via telephone on this date. Received a written response back today ( XX/XX/XXXX ) with the same response as above, saying that the amount of the debt + interest exceed {$500.00}, therefor Transunion would not remove the item. Despite the ORIGINAL medical debt being under the {$500.00} threshold. 

NOTE : The Transunion credit report clearly states that the ORIGINAL debt is {$380.00} and from XXXX XXXX, a medical practice.

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 2023-02-22 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$54.00} Bankruptcy XXXX  XXXX Dismissed XXXX Bankruptcy XXXX  XXXX Dismissed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/31 I was robbed at a Citibank location, two men took my debit card within 2 minutes went over to the teller and was allowed to withdraw {$1900.00} from my account. I did not notice until XXXX and went to the bank on XXXX, after the holiday to report. I filed a complaint with the fraud department, I filed a police report and an investigation commenced, Citibank denied my claim stating that I allowed the transaction when the police department have video of the robbery and has started an investigation which the case is now with the XXXX XXXX XXXX XXXX of the XXXX XXXX, XXXX NY. 
I submitted an appeal to Citibank with a copy of the police report and affidavit which they provided for my signature and was denied for the second time. The fraud department have been super rude and have not given me any information. 

I am an elderly person of XXXX XXXX XXXX and was targetted in a brank of Citibank and robbed of my money which I need to pay my bills and I believe that money should have been returned to me under the banking laws.

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 2023-02-22 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: OR

Complaint narrative:
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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i have reached out to the credit reporting agency numerous times and i have got no response on my disputes.

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CORELOGIC INC
State: TX

Complaint narrative:
I applied for a refinance with XXXX XXXX, who ran a credit check on Credco, immediately after they ran my credit I recieved over XXXX calls in XXXX hours to my cell phone with companies trying to solicit mortgage refinance.

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 2023-02-22 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:
I have previously written to Equifax concerning XXXX and their inaccurate reporting of my information. In the investigation, Equifax stated they verified all the information is correct yet the account for XXXX has been charged off since XX/XX/2020. Equifax did not verify the information was correct nor did XXXX. XXXX has an account, XXXX under the name XXXX XXXX XXXX and the address the account is linked to is XXXX XXXX XXXX, XXXX, CA, XXXX. On my Equifax credit report, my name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, Ca, XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 XXXX and Equifax both violated the correct reporting. The name nor address match on this account and both falsely claimed they did a full investigation, if they did, they would see that the name and address are not the same on the account as it is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This collection accounts has violated the rule of CFPB and FCRA since this was just recently opened last XX/XX/2022 and I never received any communication about these accounts,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: MA

Complaint narrative:
Dear Experian, FTC identity theft report Reference number : XXXX Review the FTC documents attached. 
I XXXX XXXX XXXX XXXX request to remove immediately the credit account, because is fraudulent and opened by someone else XXXX XXXX XXXX  account number XXXX, is listed as closed on my credit report. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, This list of accounts below has violated m t federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : XXXX XXXX Date open : XX/XX/XXXX this company has violated my rights. 
2. Account name : XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : XXXX XXXX, Date open : XX/XX/XXXX this company has violated my rights. 
3. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : XXXX XXXX Date open : XX/XX/XXXX this company has violated my rights. 
4. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : XXXX XXXX Date open : XX/XX/XXXX this company has violated my rights. 
5. Account name : XXXX Funding, First 6 numbers to Account number is XXXX, Account Type : XXXX XXXX, Date open : XX/XX/XXXX this company has violated my rights. 
6. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : XXXX XXXX  Date open : XX/XX/XXXX this company has violated my rights. 
7. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type XXXX XXXX XXXX, Date open : XX/XX/XXXX this company has violated my rights. 



15U.S.C 1681 section 602 A. States that I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without written instructions. So therefore, I have not provided any written instructions to do so. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing ant 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 ant information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid 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: BANK OF THE WEST
State: CA

Complaint narrative:
I applied for a credit card with the bank, and was approved. I did not receive the card, and apparently it was stolen before arriving at my house. XXXX fraudulent charges were made on XX/XX/XXXX. The transaction amount totaled around {$2100.00}. A few days later, I found out about them due to a fraud alert service. I immediately called Bank of the West to report the card lost. 

Due to my e-mail address not matching their records ( but everything else matching ), Bank of the West said I had to go to a Bank of the West branch to dispute the charges. I did so on XX/XX/XXXX. There, I spoke to a teller, who called the credit card service, and I was able to dispute the charges. I was told they'd mail me confirmation of the dispute, which I never received in the mail. 

Per the Bank of the West 's advice, I also filed a local police report, and an identity theft report with the Federal Trade Commission. 

Since then, I've been periodically calling the Bank of the West to inquire the status of the dispute. One time they told me it would take up to 30 days. That has since passed. Today, XX/XX/XXXX, they said it will be 2-3 weeks until it might be resolved. 

This is by far the longest I have ever had to wait for a credit card dispute to be resolved.

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 2023-02-22 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  account number XXXX XXXX has violated my rights. 

Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy. 

Statue 15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the written instructions or consent of the consumer ( myself ). 

EXPERIAN, XXXX and XXXX has furnish inaccurate information on my personal credit file. It is clear violations being committed by these bureaus. I have attempted many time to rectify this matter by disputes. Each time it comes back updated and not deleted and removed as it should be by law. Please remove and delete this inaccurate information from my credit file immediately. 
The account is paid in full and agreed by the lender to be reported as CURRENT, ON TIME and CLOSED. Each bureau is reporting different information as you will see in the documents I proved.

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 2023-02-22 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: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
In accordance with the fair credit reporting act, this creditor, has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
credit reporting companies are leaving things on my credit thats suppose to be off stoping me from getting the credit i need for investments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for a refinance with Wells Fargo, who ran a credit check on XXXX, immediately after they ran my credit I recieved over 20 calls in two hours to my cell phone with companies trying to solicit mortgage refinance.

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 2023-02-22 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: GA

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXXXXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX  XXXX Account number : XXXXXXXX XXXX Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 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 non-monetary relief
Consumer complaint received 2023-02-22 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: GA

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXXXXXX XXXX Account number : XXXX XXXXXXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i have reached out to the credit reporting agency numerous times and i have got no response on my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i have reached out to the credit reporting agency numerous times and i have got no response on my disputes.

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 2023-02-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXXXXXX : ACCOUNT # XXXX has violated my rights. 

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

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

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

Company 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