vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
For the past six months, I have been attempting to resolve a dispute with the credit reporting companies. Despite my repeated efforts, all I receive are letters stating that the issue has been resolved, but the problem persists. Specifically, the companies have failed to address an erroneous charge on my account. I have contacted the credit reporting companies multiple times via mail and phone, submitted formal dispute letters with supporting documentation, and followed up regularly to check the status of my disputes. However, I continue to receive repeated letters stating that the issue has been resolved, but the incorrect information remains on my report. Despite my diligent efforts, the issue has not been corrected, which has adversely affected my credit score and financial standing. I am seeking assistance from the CFPB to resolve this matter promptly and ensure the accuracy of my credit report. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
For the past six months, I have been attempting to resolve a dispute with the credit reporting companies. Despite my repeated efforts, all I receive are letters stating that the issue has been resolved, but the problem persists. Specifically, the companies have failed to address an erroneous charge on my account. I have contacted the credit reporting companies multiple times via mail and phone, submitted formal dispute letters with supporting documentation, and followed up regularly to check the status of my disputes. However, I continue to receive repeated letters stating that the issue has been resolved, but the incorrect information remains on my report. Despite my diligent efforts, the issue has not been corrected, which has adversely affected my credit score and financial standing. I am seeking assistance from the CFPB to resolve this matter promptly and ensure the accuracy of my credit report. 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 2024-06-26 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 to 15 U.S. Code 6802 I am officially Opting out of all Credit reporting from the following companies This notice to all Creditors of accounts shall now serve as official Notice a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 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 Are now put on notice to Never Report any type of information to Credit reporting agencies With the law as my supporting documentation

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 2024-06-26 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: GA

Complaint narrative:
In accordance to 15 U.S. Code 6802 I am officially Opting out of all Credit reporting from the following companies This notice to all Creditors of accounts shall now serve as official Notice a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are now put on notice to Never Report any type of information to Credit reporting agencies With the law as my supporting documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
As you are aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies is investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/year>. 
According to the Experian credit file, XXXX XXXX shows my current balance is {$3500.00} from the {$7400.00}. XXXX finds out that the bank does not have any of my records since I do not have an account with 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 2024-06-26 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays Bank Delaware, XXXX XXXX and XXXX XXXX are all in violation of several of my rights as a federally protected consumer. They are in violation of the Privacy Act of XXXX " Charge offs are considered certificates of Indebtedness. 
Certificates of Indebtedness are considered Income by the IRS according to IRS 2023 Publication 4681. Income is not to be reported on consumer and credit reports. 
I would also like to point out Barclays Bank Delaware, XXXX XXXX and XXXX XXXX  are in breach of their Fiduciary Duties to me by failing to send me my copy b of form 1099-c among many other things such as transparency, good faith, disclosure, accounting and loyalty. 

In addition, they are violating FCRA15 USC 1681a, it is illegal to report transaction history.

Furthermore, according to their own SEC filings under 17 CFR 424 Barclays Bank Delaware ( XXXX # XXXX ) XXXX XXXX ( XXXX file # XXXX ) and XXXX XXXX  ( XXXX file # XXXX ) agree they will not commit language fraud, however they failed to provide an open end credit card in compliance with the definition of open ended credit per 16 CFR 433.3.

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 2024-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had stayed behind on my mortgage and what I had applied for was a loan modification and they ended up giving me a subordinate deed of trust I didnt know what it was till I tried to get an equity loan to pay off some bills, and found out that HUD has XXXX liens on my property one of them which is a very high amount and I want to know how they came out with such a big amount! I called HUD and they told me I needed to get with Chase Mortgage to ask them how they came out with that amount and I i did. Spoke to XXXX she didnt know why and couldnt give me an answer so now I here not knowing what happened not being able to get an equity loan cause of those liens please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I spoke to a representative about this debt on XX/XX/XXXX. I notified the collector that I did not open this account. I am a victim of identity theft and I have been trying to get the police and other authorities to help me. When I checked my report on all three credit bureaus, I noticed several charges on my report. One of the charges that I notice was from Waypoint Resource Group ( XXXX XXXX ). I called this company to inquire about this debt because I did not open anything with this company. The representative stated that this account was opened in XXXX and closed in XX/XX/XXXX. The debt is in the amount of {$720.00}. She also gave me the address of the individual that opened the account XXXX XXXX XXXX XXXX  XXXX FL. I do not live at this address, and I had this address removed from my XXXX report. I have been living at the same address for over 10 years and the address on XXXX XXXX XXXXXXXX XXXX, XXXX FL is not my address. Please help me rectify this situation.

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 2024-06-26 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: IL

Complaint narrative:
CREDITOR HAS VIOLATED THE FCRA REGULATION V/ FCRA SECTION 623 ( A ) ( 7 ).- DUTY TO PROVIDE THE CUSTOMER WITH WRITTEN NOTIFICATION ABOUT THE INSERTION OF NEGATIVE INFORMATION AFTER 30 DAYS OF ITS INSERTION. 
I HAVE NEVER RECEIVED SUCH NOTIFICATION FROM CREDITORS IN THE PAST OR PRESENT. 
IF THE CREDITOR FEELS THAT THEY HAVE SENT ME PROPER WRITTEN NOTIFICATION WITHIN THE LEGALLY ALLOTTED TIME FRAME ACCORDING TO FEDERAL LAW, THEN I AM REQUESTING A COPY OF THE CERTIFIED RETURN RECEIPT BEARING MY NAME AND SIGNATURE ON IT. IF THE CREDITOR CAN NOT PRODUCE THE REQUESTED DOCUMENT MENTIONED ON TIME, I AM REQUESTING IMMEDIATE DELETION OR I WILL NOT HESITATE TO START LITIGATION TO SEEK MONETARY DAMAGES FOR NONCOMPLIANCE AND CIVIL LIABILITY.

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 2024-06-26 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: TX

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: VI

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: 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 XXXX Account Number:XXXX has violated my rights. Or a 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 2024-06-26 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-26 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-06-26 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: DE

Complaint narrative:
I was looking over my credit profile and noticed an auto loan account that I did not authorize or give my permission to open under my credit profile. I reached out to creditor XXXX XXXX XXXX and they told me to dispute with credit bureaus which I did. The credit bureaus gave me instructions and document I would need which Ive obtain and mailed in certified mail. Since I completed all instructions, theres been no resolution. No communication. The information in their system so screwed up, when I call in to be updated on dispute, I cant access my credit profile due to inaccurate info on my credit profile when doing the verification questions.

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 2024-06-26 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I was looking over my credit profile and noticed an auto loan account that I did not authorize or give my permission to open under my credit profile. I reached out to creditor XXXX XXXX XXXX and they told me to dispute with credit bureaus which I did. The credit bureaus gave me instructions and document I would need which Ive obtain and mailed in certified mail. Since I completed all instructions, theres been no resolution. No communication. The information in their system so screwed up, when I call in to be updated on dispute, I cant access my credit profile due to inaccurate info on my credit profile when doing the verification questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: TX

Complaint narrative:
This unauthorized inquiry was made by the creditor without my knowledge or consent! Please remove and block these inquiries promptly!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This has been a ridiculous experience with an extreme level of disrespect I feel that they need to be exposed called to order a jumpsuit the agent did not tell me he was ordering the jumpsuit. I asked for Supervisor. She intern got on the line because I had a coupon for a discount. I end up calling because I didnt receive my order. They told me I had two orders and I was like I did not authorize the agent to charge my card for the first jumpsuit, it became a big fiasco. I talked to a supervisor in the US. She was like oh dont worry about it. Well go ahead and give you a credit for one of the jumpsuits just return the jumpsuit. I called and got the barcode to return the jumpsuit, she told me I would not be charged that she had already credited my account. I called in. I got a bill I made the payment and I made it on the XXXX. They end up charging me a late fee of {$35.00}. I called to talk to a supervisor that was extremely rude. You can listen to the cause retaining to the jumpsuit and the Supervisor car I paid you again {$37.00} and you guys said I paid you on the XXXX shes gon na say after Eastern standard time I live in in Illinois now youre sending me another bill for {$35.00} which means I dont paid you more than what I was paying for jumpsuit not charged with authorization for an item that I returned that I dont even have this is insane after Im done with this. Im closing the account. Ive been a customer for over seven years. I barely use the card purchase the item for a party and this is turn into a disaster fees that you keep charging me. XXXX XXXX  needs to be exposed to this as well as their customer service

Company response to consumer: Closed with monetary relief