vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a concerning issue I have experienced with Experian, a credit reporting agency. Recently, I discovered that Experian has deleted an account ( XXXX XXXX account number : XXXX ) from my credit report without my authorization or consent. 

What is more alarming is that Experian has sent me alerts indicating that I disputed this account, which is entirely XXXX never initiated such a dispute. This erroneous action has had a detrimental impact on my XXXX XXXX, which has dropped to XXXX without a valid reason. 

Despite contacting Experian for an explanation, I was met with unclear responses and a lack of accountability. This situation has caused significant distress and frustration, and I urgently seek assistance from the CFPB to rectify this matter. 

I kindly request an investigation into this issue and prompt intervention to restore accuracy to my credit report. Your help in resolving this situation would be greatly appreciated. 

Thank you for your attention to this matter.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
the information was not provided from the FURNISHER NOR FROM THE CREDIT REPORTING AGENCY

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 2024-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I currently have a XXXX card that i used to purchase a puppy over a year ago. I always paid ontime. After a year they trippled my rate from XXXX a month to XXXX per month. They wont except anything lower than that. I explained that i could not pay that amount as my mother passed away and i was in between jobs. I did offer to pay them something and asked if i could continue to pay XXXX for now and if they would work with me. They would not and demanded the money. They have called me day after day over 7 times a week over and over. It has become very disturbing. I am willing to make an arrangement that will fit my budget because of loss of income. I just cant take the constant phone calls. I hope you can help me. I have my phone log to show how many times they call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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:
ive requested SEVERAL times the information be VERIFIED from EACH company that reflects 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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX i was never late on my account XXXX XXXX XXXX  ( XXXX ) on ( XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: PA

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

Accounts name # XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX PA XXXX Accounts name # XXXX *** XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX PA XXXX Accounts name # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) Accounts name # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) Accounts name # XXXX XXXX ( Equifax XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX Accounts name # XXXX XXXX ( Equifax ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX XXXX section 602 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

1681 section 604 ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

1681 section 623 ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: TX

Complaint narrative:
the written documents from EACH FURNISHER that was signed by me was never provided to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
On XX/XX/XXXX my car was stolen! and I reported the car to the police after really realizing that it was stolen, I started my report with the insurance, where I also reported this problem with the bank, they told me that there was no problem, I should tell the insurance to send the information to be able to account in retention and thus avoid damaging the credit due to collections. I did the same thing. It turns out that later the insurance gave me all the information and I even communicated with them! also with XXXX XXXX XXXX or XXXX XXXX XXXX... the case that took a long time and XXXX or XXXX continued to charge me the monthly payment the same as if I had an Auto even though they already knew it was a total loss! and that affected my credit quite a lot. I called and they said that they don't care that I had a contract and that I had to fulfill it, but it turns out that the insurance company repeatedly told them that they were going to pay them, I even have gap insurance. and now after the insurance sent the check for the part that corresponded to them, XXXX or XXXX stopped receiving that part that they already received and after they would call XXXX to eliminate the remainder, neither XXXX nor the other, they continue to make late payments to my bureau credit illegally. since the deductible was even paid to them of XXXX usd plus XXXX or so that the XXXX insurance sent and I still do not see that neither the dealer or XXXX or XXXX has done the process of paying the remainder where the extended warranties that I have are supposed to be extras to the car after the accounts are already paid, they should cancel them and I would receive a refund even up to the last month of the payment because the car was already stolen. Now I call them and they act crazy, they agreed that once XXXX will pay their part I could go to the dealer to get a new car, I understand that by law they have to give me another car and a new contract, and I just went to the dealer and you know that they even told me They asked for a down payment of XXXX and a payment much above the normal, the regular payment for the lease does not exceed XXXX XXXX down payment and they want the dealer XXXX usd and a payment of more or less XXXX usd that is unfair and absurd

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a concerning issue I have experienced with Experian, a credit reporting agency. Recently, I discovered that Experian has deleted an account ( XXXX XXXX account number : XXXX ) from my credit report without my authorization or consent. 

What is more alarming is that Experian has sent me alerts indicating that I disputed this account, which is entirely falseI never initiated such a dispute. This erroneous action has had a detrimental impact on my XXXX XXXX, which has dropped to XXXX without a valid reason. 

Despite contacting Experian for an explanation, I was met with unclear responses and a lack of accountability. This situation has caused significant distress and frustration, and I urgently seek assistance from the CFPB to rectify this matter. 

I kindly request an investigation into this issue and prompt intervention to restore accuracy to my credit report. Your help in resolving this situation would be greatly appreciated. 

Thank you for your attention to this matter.

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 2024-04-13 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: CITIBANK, N.A.
State: WI

Complaint narrative:
I opened a dispute with Citi. I emailed in supporting evidence when requested. Then I received a letter that my dispute was rejected. I called and they said it was because I had not responded to a letter. I had not received this letter. They sent a new one. I responded immediately. My dispute was rejected again, this time they said because I didnt respond to the first letter in XXXX ( the one I did not receive ), the dispute could not be reopened with XXXX per federal regulation. I read the information on the FTC website and I did not find that regulation.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 explanation
Consumer complaint received 2024-04-13 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: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
This is fraud account. I have not done any business with company. I do not recognize this debtor.

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 2024-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: KY

Complaint narrative:
I pulled my credit report from kikoff. It shows this on my credit file and if they are representing one of these companies I havent been notified about the debt. I'm curious to see if they are representing one of these companies and to see if it's over XXXX XXXX XXXX on credit report. I'm also curious to see if it's been sold by another junk credit company. This also shows publish consumer information on bad debt lists or credit reports and this proves unfair and deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Chime Financial Inc
State: NY

Complaint narrative:
After thoroughly reviewing my credit report I noticed company 's reporting on my credit report. On XX/XX/year> I mailed letters to all three credit reporting agencies ( XXXX, XXXX, XXXX ) requesting Validation of several accounts. In response to one account in particular was CHIME-XXXX. They emailed me in response to my XXXX dispute on XX/XX/year>. In the email they have stated " We received the dispute of your XXXX monthly Credit Builder statement, and we'd like to share some information with you. 
The reported information was accurate as of the date it was reported, and we sent a response to the credit bureau ( s ) ''. This is a FAILURE to provide validation and is violation of the federal law that protects me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: CA

Complaint narrative:
This is a formal request for removal of mistaken public information recorded on my credit report. I contacted Transunion, to reinvestigate this account I have previously disputed XXXX  XXXX Bankruptcy : Bankruptcy Ref # XXXX with you, and in response, you verified the item as accurate, But how is that possible if this was investigated by XXXX and XXXX and resulted in the same conclusion, a removal from my credit file. I have enclosed a deletion notice from XXXX. I notified TransUnion twice but TransUnion refused to fix and instead just " parroted '' back what the company said. 

Under 1681e ( b ) maximum possible accuracy and section 1681i- which this was a lousy investigation.

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 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XX/XX/year> - Chase rejected external transfer of {$15000.00} into bank from XXXX XXXX XXXX  after transfer verification process without notice or reason. 

XX/XX/year> - Chase rejected external transfer of {$7000.00} into bank from XXXX  XXXX XXXX Bank after transfer verification process without notice or reason. This XXXX  XXXX XXXX account was the funding account previously used to fund the Chase Account. 

XX/XX/year> XXXX XXXX will call me back within 2 day. 
XX/XX/year> XXXX XXXX Fraud XXXX - Relief Lead '' XXXX XXXX, OH. '' XX/XX/year> XXXX ( XXXX ) XXXX XX/XX/year> At XXXX XXXX  XXXX XXXX XXXX couldn't explain why transfers were rejected. Asst XXXX and JP Morgan rep didn't know external transfer existed outside or bank wire. XXXX corrected them with her knowledge of external transfers. 
XX/XX/year> XXXX XXXX XXXX ) XXXX XXXX Team XXXX Team Escalation Case # XXXX XX/XX/year> XXXX ( XXXX ) XXXX XXXX XXXX Team Escalation Case # Case # XXXX L/M. 


Chase never notified me of their rejection. How did they expect me to maintain my required {$15000.00} minimum required balance if they won't let me fund the accounts? 

Chase, on every occasion, refused to explain their rejection or lack of notification. Their I was treated poorly at the XXXX, MD branch and felt like they discriminated me due to the color of skin/ethnicity. Their branch assistant manager and JP Morgan did not know they supported external transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my SECOND time contacting you about incorrect inquiries showing up on my credit report. I previously sent you a request to investigate those inquiries, and your conclusion was to contact the creditor directly. As I stated in my previous letter to [ XXXX ], I have already contacted every creditor directly and they have no proof of permissible purpose or even a record of me on file. 

I have heard of this happening before, where a company pulls someone's credit WITHOUT permissible purpose - and as you know, it is a violation of Section 604 of the Fair Credit Reporting Act, 15 U.S. Code $ 1681b, Subsection ( a ) for you to furnish my report to any entity that does not have permissible purpose. I am still waiting to see ANY evidence of verification or proof of that purpose with these inquiries from XXXX. So here they are again, these inquiries should NOT be on my credit report. I request that you REMOVE these inquiries IMMEDIATELY, or provide me proof of permissible purpose. I have no idea who these companies even are : Once again, let me be clear that I have already contacted every company listed and most do not even have a record of me at all. I'm being very cordial and requesting that you abide by the Fair Credit Reporting Act and perform a COMPLETE investigation in regards to the above listed inquiries. 
Please provide me with the outcome of your thorough investigation within 30 days of receipt of this letter. I am sending this letter certified mail, with return receipt requested so that I will have documented proof and confirmation of delivery of this letter.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I looked as a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking to verify as accuracy : XXXX, 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 non-monetary relief
Consumer complaint received 2024-04-13 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: CL Holdings LLC
State: VA

Complaint narrative:
This is fraud account. I have not done any business with company. I do not recognize this debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: Tally Technologies
State: GA

Complaint narrative:
The following company Tally Technologies INC has listed there name on my XXXX credit report as a line of credit in the amount owing {$3400.00}. I tried to resolve this matter amicably with this company through use of Credit reporting agency and via certified mail directly to the company. As I have stated on numerous occasion, I am not the one who open this account. I have file police report and FTC identity theft report and sent to credit reporting agency. The information this company has is a misrepresentation of who i am, such as address, email, phone etc..I have no recollection of ever doing business with company. I have never even heard of Tally Technologies INC. However, they are listed on my credit report XXXX acct # XXXX as a line of credit.I am reaching out to the CFPB to assist me in resolving this matter.

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