vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I would like to address an issue concerning the continuous reporting of incorrect personal information that are not associated with me on my credit report. This action is in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: FL

Complaint narrative:
I have recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX XXXX XXXX XXXX {$3200.00} XXXX  XXXX ( CLOSED ) {$4500.00} XXXX XXXX XXXX ( CLOSED ) {$1000.00} XXXX XXXX XXXX ( CLOSED ) {$4000.00} XXXX XXXX XXXX XXXX ( CLOSED ) {$4300.00} XXXX XXXX  ( CLOSED ) {$6500.00} XXXX, XXXX. ( CLOSED ) XXXX  XXXX ( CLOSED ) {$11000.00} XXXX XXXX XXXXXXXX XXXX ( CLOSED )

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX XXXX XXXX XXXX {$3200.00} XXXX  XXXX ( CLOSED ) {$4500.00} XXXX XXXX XXXX ( CLOSED ) {$1000.00} XXXX XXXX XXXX ( CLOSED ) {$4000.00} XXXX XXXX XXXX XXXX ( CLOSED ) {$4300.00} XXXX XXXX ( CLOSED ) {$6500.00} XXXX, XXXX. ( CLOSED ) XXXX XXXX ( CLOSED ) {$11000.00} XXXX XXXX XXXX XXXX ( CLOSED )

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 2024-02-19 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: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I booked a Hotel Room in XXXX XXXX Florida at a XXXX XXXX. I did not realize that I booked through XXXX and my receipt showed a higher rate than quoted plus fees. I called immediately and cancelled the room. They said they would work on the refund and several days later denied the refund for {$180.00}. I did not stay in the room. 

My Credit Card Company Fifth Third Bank XXXX refuses to return my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a consumer person fully aware of my rights protected by Congress under the Fair Credit Reporting Act. I am in violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the account XXXX XXXXXXXX XXXX XXXX C/O XXXX XXXX XXXX.the provision of 15 USC 1681 Section 602 A guarantee my right to privacy. Furthermore, 15 USC 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions.I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. I expect that this matter will be addressed promptly and that the necessary actions will e taken to rectify the inaccuracies in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: IL

Complaint narrative:
I did not authorized the following inquiries. 

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 2024-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After investigation, it was found that my identity was stolen. Any inaccurate information needs to be removed from my credit report. All credit inquiries as well need to be removed from my credit report a police report will be in this document as well as identity theft report as well.

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 2024-02-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I have retained new copies of my credit reports, and noticed that Exeter finance LLC did not furnish the credit bureaus with the required disclosure, within the period required by law. Exeter finance LLC are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which was signed for on XX/XX/year> at XXXX XXXX I have retained a copy of the signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2024 Portfolio Recovery XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear Sir/Madam, I am writing to dispute the collection account listed on my consumer report, which was reported by your agency. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the right to request validation of this debt and to dispute its accuracy. Failure to Provide Validation Information : Under CFR 1006.34 ( b ) ( 5 ), it is required that collection agencies provide validation information upon request. To date, I have not received any validation information from your agency regarding the debt in question. Therefore, I am disputing the validity of this debt until proper validation is provided. Denial of Opportunity to Dispute Account : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute inaccurate information on their consumer reports. However, I have not been given a chance to dispute the account before it was reported to the consumer reporting agencies. Violation of Consumer Rights : I believe your agency has violated my consumer rights by engaging in false, misleading, and deceptive practices in attempting to collect this debt. Such practices are prohibited under various consumer protection laws. Lack of Authority to Furnish Account Information : It is my understanding that your agency has no authority to furnish any account to consumer reporting agencies without providing all required disclosures by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). As such, the reporting of this account without proper disclosure is in clear violation of these regulations. I hereby request that you cease all collection activities related to this account until the validation information is provided and I am given the opportunity to dispute the accuracy of the debt. I am also requesting to revoke all communication via Email, Phone calls, or Text. I am also requesting the purchase agreement between the collection agencies and the original creditor. I am also requesting that you furnish proof that collection agencies are licensed and bonded. Failure to comply with these requests may result in further action being taken to address these violations of consumer protection laws. Please provide the requested validation information and respond to this dispute within 30 days. Thank you for your attention to this matter. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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:
XX/XX/XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXXt : authorize inquiry XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX  XXXX : unauthorized inquiry XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX : unauthorized inquiry XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : unauthorized inquiry

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 2024-02-19 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:
In the course of reviewing my credit report, I spotted erroneous and fraudulent accounts that need reporting and correction through your company.

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 2024-02-19 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: NJ

Complaint narrative:
In the course of reviewing my credit report, I spotted erroneous and fraudulent accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I am a consumer that is protected by the FCRA and FDCPA attached you will find Mortgage Companies as well as credit reporting Companies taken advantage of me by furnishing inaccurate/ incomplete accounts in my consumer report. 
Please see attached ; Being reported by TransUnion, 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 2024-02-19 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 has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX  # XXXX has violated my rights. 



15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

The disputer letters were sent on XX/XX/year> and nothing was removed and no follow-up letters were sent to me as well 1. Identity Theft XXXX XXXX Account Number : XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. The following account is not mine XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

7. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

8. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from 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 2024-02-19 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 have a few accounts that show in collections and some that show past due, this week my credit score went down because it was showing that I was 60 days past due on an account that has been paid off. 
One of the accounts that is in collections and has been paid off is for XXXX XXXX XXXX collect, for the amount of {$450.00}, payment was made on XX/XX/year> - confirmation number # XXXX Another account is First Credit services, for the amount of {$170.00} this account also has been paid off. - Account was paid around XX/XX/XXXX These XXXX accounts have been removed from XXXX and XXXX, and I am not sure why they are still showing with TransUnion.

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 2024-02-19 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX information is incorrect, different status information, different balance open date, different information than on one other bureau. This account is not on Equifax report at all. I have requested this be corrected for more than 9 months. Using Factual disputing and billing errors as allowed by the law Transunion should have deleted this from my report. It has been more than 45 days Why is the information still completely different and still reporting inaccurately? 

XXXX XXXX- Account XXXXX- This account is still reporting inaccurately and is not uniform or the same as the other bureaus. ONLY this bureau is still reporting inaccuate and incomplete information of this account on the report. Why has this been removed? It has been more than 45 days where I have requested for the information to be uniform across all bureaus. 

I have attached the credit report from XXXX, TRANSUNION AND XXXX. TRANSUNION has COMPLETELY DIFFERENT INFORMATION ON THE REPORT THAN THE OTHER BUREAUS. Please help hold them accountable. They must delete inaccurate and incomplete information and compensate me financially for spending more than 9 months requesting the same updates repeatedly.

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 2024-02-19 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX is my inquiry ( XXXX ) times. Not Authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: CORELOGIC INC
State: TX

Complaint narrative:
XXXX XXXX is my inquiry ( XXXX ) times. Not Authorize.

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 2024-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
My car was traded in on XX/XX/2023. I received a call several times a day about payments. I called and told the company was the car was traded in and a representative called and I stated the care was traded in to XXXX XXXX. Representative stated that I still needed to make payments or the will repossess the car. I said the car was traded in so you will have to take that up with them. Now they have reported on my credit that its late and continue to call me several times a day. XXXX stated a check for payoff was sent exactly a week after the car was traded in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I filed a complaint, # XXXX XX/XX/XXXX. The " company '' is reviewing as of XX/XX/XXXX. I called the customer service number today, XX/XX/XXXX, and I spoke to XXXX customer service rep who informed me payments are applied to the highest XXXX on the account, then applied to the promotional balances. I informed her she was wrong. She stated she sees that on my account and asked if I would like to discuss with a manager. I was transferred to " XXXX '' and account manager over the phones. He informed me that payments are applied over the account by computer to the highest XXXX then promotional balances. He also informed me I, as the customer, have to call the company every time I make a payment and tell them how to allocate the money I am paying. I argued with him that this is not how the credit card agreement reads and as a customer for over 10 years, I have never had to call the company to tell staff how to apply the payment monies I pay. According to their credit card agreement all monies paid are to be applied to promotional balances first until paid off, then standard purchases. I told him I wanted my current payment applied correctly, which he processed as a request to my account to be handled in this manner while on the phone with me. In addition, I told him I wanted a copy of the current credit card agreement sent to me since he can't tell me when this might have changed, other than " long time ''. I also informed him the company is required by law to send a new updated credit card agreement to all customers every time they make a change. He informed me he sent the request and I will receive a copy of all requirements, agreements to me within 30 days. He also kept stating that I will have to call the company every time I make a payment and tell the customer service rep how to apply the monies. 

I have never had to tell the company to apply my payments first o promotional balances, it has been automatic because of the promotional balance rules of 6 months interest free on purchases of {$200.00} or more. 
I think the company is trying to XXXX customers out of the deal and make them miss the 6-month free interest date and cause the account to be charged for the full interest rate from the time the charge is incurred.

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 2024-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NM

Complaint narrative:
On XX/XX/XXXX I deposited money to my checking account around XXXX pm and ten minutes after a unauthorized transaction occurred and took XXXX from my account I do not know the merchant that took my money I have never Heard of it or ever had previous encounters with the company that goes by XXXX XXXX  I have called them no answer I also saw another person got the same amount taken from the company. So I filed a dispute with my bank to try and get my money back they did an investigation and said they saw no errors occurred. And told me to send in proof to help the investigation so I did so and they still said no errors occurred and did not help me get my money back. I ordered a new card and blocked the merchant. I tried logging into my account and it said my account was closed I did not close my account I had no knowledge of it closing.it was closed on Friday XX/XX/XXXX XXXX I was not able to login to my account. My Bank did not help me with the unauthorized transaction, they closed my account without my permission they did not help me in anyway a bank should they made it seem like I was lieing and that I made the transaction which I did not I had to send in proof to help the investigation for my dispute. I don't think I should of had to do that I did not have previous transactions with the merchant and they stated that I did on the investigation they said that I did on my bank statements I have no previous transactions with the merchant that took my money I requested the information they found on the investigation and they did not send it to me.

Company response to consumer: Closed with explanation