vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I received my daily balance notification from Regions Bank and realized my account was lower than expected. After checking, there was a charge from XXXX for {$550.00} on XX/XX/22 that I did not authorize. I contacted XXXX and Regions but due to it being a pending charge the only thing I could do was get a new debit card and wait for it to post before disputing it. I was told it would post on Tuesday so call Regions and go through the steps. I put a hold on my new debit card account so no further charges would be authorized via online payments. My initial dispute was denied due to Regions stating XXXX saying I authorized the claim, which is not valid. I appealed the claim on XX/XX/XXXX. Since XXXX, I have made multiple calls to Regions and XXXX to get my money back because I did not authorize that charge. I have 2 charges in XXXX from XXXX about {$110.00} each when I assisted my sister with her bill but those are the only 2 charges I made and it was in XXXX. I provided information to both companies with proof of my authorized charges in XXXX and that it was not from her account in XXXX. I have provided proof that my personal XXXX account is connected to my Bank XXXX XXXX checking account. XXXX offered to refund the money back to the card that was used but I no longer have the card and they can not refund the money to my new card. I have spent a lot of time trying to resolve this matter. I do not know the person who obtained my debit card information as I stated to XXXX and Regions multiple times. XXXX could not even tell me what they offer is worth that much. believe my information was copied when I went through a fast food drive-thru in XXXX on XX/XX/22 because that is the only time I handed my card to someone else.

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 2022-12-12 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: CA

Complaint narrative:
This is my multiple endeavors 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. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, CA, XXXX ; XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/2022 ; XXXX XXXX  XX/XX/2022 2022

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 2022-12-12 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:
When I reviewed my credit report, I discovered the erroneous accounts. TransUnion must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law.

1. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX  XXXX Bankruptcy Case Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY 2. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY 3. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY 4. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY

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 2022-12-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account name XXXX Account Number XXXX Account name XXXX XXXX Account Number XXXX Account name XXXX XXXX Account Number 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 whiten 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 explanation
Consumer complaint received 2022-12-12 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: CA

Complaint narrative:
I am writing due to the Non-compliance of Experian and XXXX credit Bureaus. 

They failed to remove information affiliated with personal information hat were previously challenged and deleted. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold to the 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 non-monetary relief
Consumer complaint received 2022-12-12 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: GA

Complaint narrative:
DEAR SIR/MADAAM, I am contacting you about the compromising of my social security number. I am a victim of fraudulent information. I am writing to request that you block the following unauthorized information come to take place. I pulled my credit report and there are accounts on my credit report that are not mine and are UNATHAURIZED. I am filing a police report in Georgia and I filed a complaint with the Federal Trade Commission which is attached. Please block and remove all information from my credit report, and send an updated copy of my credit report. The following items does not belong to me and is a result of fraud that I did not authorize. 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 2022-12-12 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have submitted XXXX legitimate disputes over the past year, both have been denied without proper investigation and rationale. 

XXXX ) : The charge for {$860.00} from XXXX car rental on or about XX/XX/2022 This rental was for a XXXX passenger SUV during busy Spring Break. We received a XXXX passenger SUV. We required rental of another vehicle to accommodate our party. XXXX would not settle this matter to my satisfaction. All documents were submitted to Synchrony Bank showing the additional rental, contract for a XXXX passenger SUV and pictures proving a XXXX-passenger vehicle was provided. This claim was denied by providing non material paperwork from the merchant. 

XXXX ) : Charge for {$68.00} from XXXX  XXXX XXXX AZ. This was for an outdoor bench that was never delivered. I contacted the merchant for a tracking number and delivery date and no response was ever received. XXXX searches show this site is likely a scam, see the link below. 
XXXX XXXX XXXX Unbelievably, this claim was also denied and I have yet to receive paperwork indicating why. I called the dispute department and spoke with a supervisor named XXXX. She told me that the merchant provided a shipping label to prove shipment and the item doesnt have to be delivered. I asked for a tracking number, she stated the merchant could not provide XXXX and that I have to prove I didnt get the item. Not sure how to prove something DIDNT happen. This makes XXXX sense and when I tried reasoning with her, she hung up on me.

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 2022-12-12 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: VA

Complaint narrative:
In accordance with 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL HAS VIOLATED MY RIGHTS! UNDER 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 ) States : A consumer Reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 conviction of crimes which antedate the report by more then XXXX years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish my 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 2022-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a XXXX XXXX  Financed by Capital one Bank I took it out on XX/XX/XXXX, in XXXX I was a XXXX XXXX XXXX XXXXXXXX and I moved to the city with my XXXX XXXX, who was XXXX XXXX XXXX at the time, I moved from XXXX  to XXXX XXXX XXXXXXXX I couldn't pay the monthly payments to Capital One anymore, so I decided to call the bank and give them the car. My last payment was in XX/XX/XXXX. 
In XX/XX/XXXX, they repossessed the car that was parked in the garage of the house that I currently live in, in XX/XX/XXXX I received a call from Capital one which told me that they had sold the car, they never sent me any letter or document that said that I owed Capital one, I wanted to see my credit and I saw that Capital one in XXXX He put me in collection immediately I called and they told me that my debt was current I told him it can't be because you sold the car and I never received any document that says I owe the final Agent didn't help me and I do not know what to do, I need help because they are destroying my credit and I don't know what to do. 

When I called Capital One it was to ask for an explanation and they would help me and what they did was send me a document to my email saying that I had called to validate my account That's why I ask for an investigation I can not financially afford a lawyer Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has done it again. and wonder why I have to furiously dispute as they claim which is ilegalc cause even after almost 6 years has passed and they are still reporting inaccurate, inconsistent, and unfair data to my credit files! Why and how have they gone this far and not been imprisoned for their actions that are absolutely illegal. Well we shall see when the Judge has all the facts. Guess what yall?! More violations from the the XXXX XXXX XXXX. 

Violation # 1 Improper and inconsistent first date of delinquency does not match! So XXXX  XXXX one is wrong or right?! Lets look a their bogus bill and see! 

Violation # 2 How can the first day of delinquency XXXX on the same day the services were provided? So they are all wrong - these XXXX  cant seem to get it right after all these disputes! its their bills that probe its all wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has done it again. and wonder why I have to furiously dispute as they claim which is ilegalc cause even after almost 6 years has passed and they are still reporting inaccurate, inconsistent, and unfair data to my credit files! Why and how have they gone this far and not been imprisoned for their actions that are absolutely illegal. Well we shall see when the Judge has all the facts. Guess what yall?! More violations from the the XXXX XXXX XXXX. 

Violation # 1 Improper and inconsistent first date of delinquency does not match! So XXXX XXXX one is wrong or right?! Lets look a their bogus bill and see! 

Violation # 2 How can the first day of delinquency br on the same day the services were provided? So they are all wrong - these XXXX  cant seem to get it right after all these disputes! its their bills that probe its all wrong!

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 2022-12-12 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: Continental Finance Company, LLC
State: IL

Complaint narrative:
The date is XXXX XXXX2022. The amount is XXXX. In accordance with the fair credit reporting act Account number XXXX XXXX XXXX XXXX has violated my rights. 15 USC1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section2 it also states a consumer reporting can not furnish a account without written instruction. Also 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 purpose.

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 2022-12-12 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: AR

Complaint narrative:
Recently I disputed an account with XXXX and XXXX replied back saying that the account was verified. 



However, XXXX have stated a complete lie and has failed to do a proper investigation. 

XXXX. XXXX XXXX XXXX XXXX XXXX is listed on my XXXX credit report as a XXXX XXXX account when its an old utility account. If the proper investigation was done whom did XXXX get this information from that it was a XXXX XXXX case? 


XXXX. Not only is it an utility bill but the account is charged off as well reporting with a {$950.00} balance. How is that possible? 


Its clear that XXXX is violating my rights under the FCRA and gave refused to correct their unlawful practices after many attempts which is defamation of character and a hindered to my credit.

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 2022-12-12 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: AR

Complaint narrative:
Recently I disputed an account with XXXX and XXXX replied back saying that the account was verified. 



However, XXXX have stated a complete lie and has failed to do a proper investigation. 

XXXX. XXXX XXXX XXXX XXXX XXXX is listed on my XXXX credit report as a XXXX XXXX account when its an old utility account. If the proper investigation was done whom did XXXX get this information from that it was a XXXX XXXX  case? 


XXXX. Not only is it an utility bill but the account is charged off as well reporting with a {$950.00} balance. How is that possible? 


Its clear that XXXX is violating my rights under the FCRA and gave refused to correct their unlawful practices after many attempts which is defamation of character and a hindered to my credit.

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 2022-12-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A Section 2 also states a consumer reporting agency can not furnish an 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 2022-12-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A Section 2 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 2022-12-12 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: MO

Complaint narrative:
My student loans were through XXXX and they switched all of my loans to XXXX. I was given the balance by XXXX  which matched my records and everything was fine. Then Im XXXX I get an alert that I have a XXXX loan all of a sudden from XXXX I called XXXX they confirm they have all of my loans and there is nothing with XXXX. I call XXXX at that time I could speak with someone they confirmed I have no loans with them and I would need to call trans union. I called them XX/XX/XXXX I believe and filed a dispute. I never heard back from them so I called them XX/XX/10 and they said I never filed a dispute. I was placed on hold and then was told they contacted XXXX and I do have XXXX loan with them. I went on XXXX  dna webpage and it says I have no open loans. I called them but since I have no open loans I cant speak to anyone. I called back to transunion and they suggested I reach out to you. My student loan balance is XXXX per XXXX and per the XXXX XXXX XXXX XXXX XXXXXXXX XXXX  doesnt show the XXXX student loan either. This all of a sudden popping up out of nowhere has affected me applying for a home equity loan and has dropped my credit score. I am at a loss of what I can do to fix this because that is student loan debt that is not mine.

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