vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-21 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: FL

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or omit these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 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: FL

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or omit these inaccurate items in my file. 
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 2023-09-21 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: SC

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( XX/XX/2023 ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$27000.00}

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 2023-09-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: WY

Complaint narrative:
On XX/XX/2023 at around XXXX XXXX  the XXXX XXXX in XXXX, Wyoming the plus card on my parents account was not working. The employee at checkout took me to customer service to sort the issue out. The employee informed me that they no longer printed physical club cards and I needed to download the digital app, which I did. They asked if I had an ID on me and I did not, I offered for my husband to go home and get it but I got no response and they continued with asking for updated information. I was handed the tablet the employee was using briefly to type in my social security number ; I had never touch the tablet before or after entering my social security number. The employee then informed me the account was paid but I was not deemed active on the account. In order to become active I would need to pay {$45.00} for the yearly XXXX plus membership, which I agreed and paid with my debit card. Moments later I went back to check out to purchase my items and upon check out the screen asked me if I would like to use my XXXX XXXX XXXX or a different form of payment. Upon confronting the employee regarding being signed up for a credit card without my knowledge or permission, I was told I am sorry, I thought you knew that, please dont be mad at me. I went back to customer service and informed them I did not want to be signed up for a credit card and they did not have my consent to do it and I would like to cancel it immediately, I was told to just not use the card when it came in the mail. I called the credit card company immediately leaving the store at XXXX XXXX. The card was actually issued under my maiden name because apparently the employee opening a credit card under my name did not know that was not my legal name anymore because they did not ask and I did not have an ID on me. They credit card employee apologized and canceled the card. A hard inquiry was done on my credit and a line of credit was opened under my name I did not authorize or even have proper identification to do so.

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 2023-09-21 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-09-21 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: TX

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed 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

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 2023-09-21 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: FL

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2023-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
Collection account for me credit report for amount {$11000.00} date XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: CA

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX. Please delete this account ASAP.

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 2023-09-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My sole income is Social Security XXXX and XXXX XXXX XXXX. XXXX & XXXX started sending me collection letters on XXXX XXXX regarding a credit card from Bank of America. I sent immediatedly a cease-and-desist email indicating that my sole income were federal XXXX benefits, which are exempted from garnishment by federal law. 

That was not enough for XXXX XXXX XXXX, and they sued me in state court on XX/XX/2023 without serving me the papers. Fortunately, I got to know about the lawsuit on time by checking the courts online database and responded to the court. 

XXXX & XXXX knew that my case was an automatic dismissal, but they continued with their harassing letters threatening me with future legal action if my financial situation improved even if they could not collect currently. 

I filed for bankruptcy on XX/XX/2023, which orders an automatic stay while the case is resolved, and submitted the corresponding evidence to the state court. 

XXXX & XXXX wrote a collection letter on the same date of my bankruptcy filing and another the following day after the bankruptcy court notified all my creditors of my filing. 

XXXX months later, XXXX & XXXX had no option but to petition the state court to dismiss their lawsuit, and I received my discharge XXXX month later. 

This complaint is about three violations : ( 1 ) attempting to collect a debt from exempted income even after the debtor notified XXXX XXXX XXXX in writing ; ( XXXX ) inflicting emotional distress by threatening a XXXX debtor with future reviews of the case, including legal actions ; and ( XXXX ) sending repeated collection letters, XXXX day after the other, with the sole purpose of intimidating the debtor in violation of the automatic stay from the bankruptcy filing.

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 2023-09-21 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Purchased a king size mattress on XX/XX/2022. Charged it on a XXXX credit card. 
After still paying found that several holes were found on the fabric of the mattress. 
The mattress that I was replacing was 20 years old with no issues. I reported this to Mattress Firm and first of all was told that I had bought that at the outlet store. The store in XXXX XXXX IL on XXXX and XXXX XXXX nowhere does it state that it's an outlet store. 
Spoke with the manager about the situation and they wouldn't do anything. However, after filing a complaint with the XXXX XXXX XXXX, I was told that I could exchange it. I went back to the store and there was only 1 mattress that I found to be comfortable. However, they told me it would be an addition {$1000.00} making the mattress {$3000.00}. 
That is not what I wanted to spend for a mattress when I entered the store. The Regional Manager called me and said that there was nothing they can do. The XXXXXXXX XXXX Credit card claims that they filed a complaint and came up with the same conclusion that my claim is not valid. 

Within a year, the mattress is falling apart. How dare they take advantage of regular working people. Also, stated that I got it at an Outlet where there is nowhere a sign that says I was in an outlet. I think that this company is lying to people to buy there product and selling LESS THAN PAR Products.

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 2023-09-21 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: SC

Complaint narrative:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Chelseamac, LLC dba Briteside Solutions
State: CO

Complaint narrative:
I am writing to express my profound disappointment and frustration with Briteside Solutions, a company that falsely presented itself as a reputable debt consolidation service provider. I reside in Colorado. I recently received a mailer from Briteside Solutions in which they touted their services as a lifeline for families facing financial hardship. Their promotional materials were filled with lofty promises of debt consolidation, promises that have sadly proven to be nothing more than empty words. Allow me to provide some context. My credit score has consistently hovered above the XXXX mark, a testament to my unwavering commitment to timely payments to all my creditors. However, enticed by Briteside Solutions ' claims, I enrolled in their program, believing that they would effectively negotiate lower payments with my credit card companies on my behalf. This trust I placed in them has since turned into a regrettable mistake. To my utter dismay, Briteside Solutions failed to fulfill its obligations. They did not make the promised payments to my credit card providers, resulting in the charge-off of all my accounts. This catastrophic turn of events has left me financially compromised and caused a severe drop in my credit score, which now stands at an alarming low of XXXX. It is profoundly disheartening to find myself in a situation opposed to the rosy picture painted by Briteside Solutions. The misrepresentation of their capabilities has had dire consequences for my financial well-being and creditworthiness. I implore you to investigate this matter thoroughly and take appropriate action against Briteside Solutions for their deceptive practices. No one should endure the anguish and hardship I have experienced due to their false promises.

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 2023-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I submitted a 1099C to the company " Credit Acceptance '', which was mailed back as accepted. I called the company several times between XX/XX/2023 and XX/XX/2023. Today I called several times so that I could speak with the compliance department as advised by a representative yesterday. The representative that I spoke to today transferred me to the compliance department where I spoke to a person named XXXX, who would not give me her last name and quoted her last initials and a number for her last name ( I am not sure if this was a recorded line ). XXXX was very intimidating, angry, deceiving, and aggressive while communicating to me that I owe a debt they ( Meaning your company ) do not accept 1099, and they would have never mailed me a return. She continued to be hostile and sassy, continuously saying this and telling me that you only accept payments. At this point, XXXX has caused a problem, because my 1099C was accepted and if the copy does not zero out my account they will be in violation of the federal income tax law.

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 2023-09-21 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: NJ

Complaint narrative:
This does not belong to me. It is a clear case of fraud. 
Please take appropriate action on this in accurate account

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 2023-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours
State: MD

Complaint narrative:
I am trying to close my account. Yet, while I owe them {$520.00} on XX/XX/XXXX, when I try to close my account through the app, it says I owe {$630.00}, which is entirely fabricated with NO basis. They continue to provide horrible customer service, refuse to be contacted via phone, and seems like they deliberately spend hours without solving any problems. Now they can't even get the amount owed correct. They should not be allowed to take advantage of vulnerable customers. 

Yet again, they wasted hours of my time through their chat feature and closed my written requests to correct this and pointed me back to their chat feature. There is no accountability and they have repeated broken their own policies and contract with me. And now, I want to close my account and they added an extra {$110.00} for NO REASON.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not request the below inquires nor have anything to do with these companies. These are not my inquires. 

Please remove these from my credit report. 

XXXX XXXX - XX/XX/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 response to consumer: Closed with explanation