vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I traded my paid off vehicle to XXXX Dealership Located in XXXX Who unexpectedly closed shortly afterwards. I found out of the closing when attempting to take advantage of the 30 day car return policy by calling and getting a disconnected message then proceeding to car lot to find it vacant within a week of purchasing the vehicle.My title & papers arrived late which caused my emissions test to expired preventing me to be able to properly register my vehicle .Im financed through Capital One whom i reached out to prior to the closing of the dealership for an interview as i was told I'd receive before they finalized the fundings. Capital one is now stating it is a dealership issue and they can't assist although i feel they are partially responsible. Now Im stuck with a car I do not want & lost a vehicle I loved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: MI

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
At XXXX today, XX/XX/XXXX, I received an email from Western Union saying that my transfer of {$100.00} was successful from a XXXX  that is unfamiliar to me. The supposed transfer was to somewhere in XXXX. The email included my full name, number & previous address. I reached out to Western Union & they provide me with a case number. Ive never used Western Union for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I purchased furniture from Ashley furniture in XX/XX/XXXX and again in XX/XX/XXXX. I was told we had 24 months promo on interest free ( that wasn't true ). They matured the while account in XX/XX/XXXX. I have called several time I have a payoff check being distributed by my bank. It was delayed by bank but can prove it was written. They don't care charged me interest and penalties because it was late They received payoff check now they are coming after me for interest and penalties which is almost as much as original charge. Even if they charged me for promo they can't charge me fir whole account purchases were not made at same time. I can't get anyone frome synchrony bank other than customer service who are no help

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 2024-04-05 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: SC

Complaint narrative:
XXXX reported to the three credit bureaus that I was late on payments from XX/XX/XXXX- XXXX of XXXX, when I wasn't. I was always on time and had initially provided this proof back in XXXX. XXXX system was glitching in that they could pull the payment but for whatever reason on their end, it would never post. 

This caused inaccurate information being sent to all three credit bureaus. Luckily, I did reach out to XXXX and received documentation on XX/XX/XXXX that all payments made, since the life of the loan, was indeed made on time ( this is attached ). Though I would send this to all three credit bureaus, while they would update the credit statuses, they would never update the late payments to be shown that it was okay ( in other words, they never removed the late payments from my report ). 

On XX/XX/XXXX, I decided to get this disputed again with all three credit bureaus. While Transunion and XXXX I believe are still investigating, XXXX did a two-day investigation and again, ONLY updated the status and didn't remove the late payments from my account. 

After XXXX failed to remove the late payments again, I called XXXX to ask if they could talk to the bureaus to get this removed as I was never late, and even had the letter from their XXXX of XXXX XXXX to verify that indeed, the payments were never late. 

On XX/XX/XXXX, I received another document from XXXX that states ( and this will be posted as well ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Direct Dispute of Credit Report Information for XXXX Dear XXXX XXXX, XXXX received your correspondence regarding the credit reporting for your XXXX loan. Thank you for allowing us to address your concerns. During our investigation, we determined that we reported inaccurate information to the credit reporting agency. We have corrected our records, contacted the credit reporting agency, and furnished the corrected information to them. Please allow 30 days for the corrected information to reflect on your credit report. 

Thank you for choosing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX reported to the three credit bureaus that I was late on payments from XX/XX/XXXX- XXXX of XXXX, when I wasn't. I was always on time and had initially provided this proof back in XXXX. XXXX system was glitching in that they could pull the payment but for whatever reason on their end, it would never post. 

This caused inaccurate information being sent to all three credit bureaus. Luckily, I did reach out to XXXX and received documentation on XX/XX/XXXX that all payments made, since the life of the loan, was indeed made on time ( this is attached ). Though I would send this to all three credit bureaus, while they would update the credit statuses, they would never update the late payments to be shown that it was okay ( in other words, they never removed the late payments from my report ). 

On XX/XX/XXXX, I decided to get this disputed again with all three credit bureaus. While XXXX and Equifax I believe are still investigating, XXXX did a two-day investigation and again, ONLY updated the status and didn't remove the late payments from my account. 

After XXXX failed to remove the late payments again, I called XXXX to ask if they could talk to the bureaus to get this removed as I was never late, and even had the letter from their Director of Customer Operations to verify that indeed, the payments were never late. 

On XX/XX/XXXX, I received another document from XXXX that states ( and this will be posted as well ) : " Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Direct Dispute of Credit Report Information for XXXX Dear XXXX XXXX, XXXX received your correspondence regarding the credit reporting for your XXXX loan. Thank you for allowing us to address your concerns. During our investigation, we determined that we reported inaccurate information to the credit reporting agency. We have corrected our records, contacted the credit reporting agency, and furnished the corrected information to them. Please allow 30 days for the corrected information to reflect on your credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: SC

Complaint narrative:
XXXX reported to the three credit bureaus that I was late on payments from XX/XX/XXXX- XXXX of XXXX, when I wasn't. I was always on time and had initially provided this proof back in XXXX. XXXX system was glitching in that they could pull the payment but for whatever reason on their end, it would never post. 

This caused inaccurate information being sent to all three credit bureaus. Luckily, I did reach out to XXXX and received documentation on XX/XX/XXXX that all payments made, since the life of the loan, was indeed made on time ( this is attached ). Though I would send this to all three credit bureaus, while they would update the credit statuses, they would never update the late payments to be shown that it was okay ( in other words, they never removed the late payments from my report ). 

On XX/XX/XXXX, I decided to get this disputed again with all three credit bureaus. While XXXX and XXXX I believe are still investigating, Experian did a two-day investigation and again, ONLY updated the status and didn't remove the late payments from my account. 

After Experian failed to remove the late payments again, I called XXXX to ask if they could talk to the bureaus to get this removed as I was never late, and even had the letter from their XXXX of XXXX XXXX to verify that indeed, the payments were never late. 

On XX/XX/XXXX, I received another document from XXXX that states ( and this will be posted as well ) : " Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Direct Dispute of Credit Report Information for XXXX Dear XXXX XXXX, XXXX received your correspondence regarding the credit reporting for your XXXX loan. Thank you for allowing us to address your concerns. During our investigation, we determined that we reported inaccurate information to the credit reporting agency. We have corrected our records, contacted the credit reporting agency, and furnished the corrected information to them. Please allow 30 days for the corrected information to reflect on your credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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:
I recently received a copy of my credit report and I notice I have fraudulent account on my report. please remove this account from my report, it is hurting my ability to obtain 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 2024-04-05 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:
There are several hard inquiries on my credit report and when I called them they told me to call everyone and they can not do anything about it.

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 2024-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated messages
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
multiple voicemails being left on the same day- as example- Today XX/XX/2024 called left message @ XXXX ; XXXX XXXX and again XXXX XXXX, yesterday XXXX XXXX XXXX  and again XXXX XXXX, Wednesday XXXX -- - these are recent examples- this happened in XXXX as well and previous months

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, Hope all is well to whomever reaches this email. This is my statement and appeal on not being satisfied with the outcome of my dispute. This XXXX XXXX bank card was opened by an ex partner of mine, who lived with me, and who had my login information for my account. It was a XXXX  XXXX relationship, and after we had parted from one another, he opened up a XXXX XXXX credit card account without my authorization with my information. He then transferred money from my checking account to pay for this credit card. 

When I spoke to XXXX XXXX about this, they said that they could not remove it because it was opened online. Anyone can open up an account online if they know your information. I agreed to pay {$130.00} upon removing this from my file, just to settle this once and for all because they mentioned that they would delete this from my credit report in XXXX of XXXX, and I had made this payment in XXXX of XXXX. 

Because they did not Delete this from my report I had to file another police report as well as a new FTC report. I do not know what they are gaining from this when I have already filed everything that needed to be filed to get this removed. I want them to remove this as they promised, especially since i did not do this or have shown me any evidence that i physically opened this, only that my ex partner opened it up online. 

Thank you!

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 2024-04-05 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: FL

Complaint narrative:
Hello, Hope all is well to whomever reaches this email. This is my statement and appeal on not being satisfied with the outcome of my dispute. This XXXX XXXX bank card was opened by an ex partner of mine, who lived with me, and who had my login information for my account. It was a XXXX  XXXX relationship, and after we had parted from one another, he opened up a XXXX XXXX credit card account without my authorization with my information. He then transferred money from my checking account to pay for this credit card. 

When I spoke to XXXX XXXX about this, they said that they could not remove it because it was opened online. Anyone can open up an account online if they know your information. I agreed to pay {$130.00} upon removing this from my file, just to settle this once and for all because they mentioned that they would delete this from my credit report in XXXX of XXXX, and I had made this payment in XXXX of XXXX. 

Because they did not Delete this from my report I had to file another police report as well as a new FTC report. I do not know what they are gaining from this when I have already filed everything that needed to be filed to get this removed. I want them to remove this as they promised, especially since i did not do this or have shown me any evidence that i physically opened this, only that my ex partner opened it up online. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, Hope all is well to whomever reaches this email. This is my statement and appeal on not being satisfied with the outcome of my dispute. This XXXX XXXX bank card was opened by an ex partner of mine, who lived with me, and who had my login information for my account. It was a XXXX  XXXX relationship, and after we had parted from one another, he opened up a XXXX XXXX credit card account without my authorization with my information. He then transferred money from my checking account to pay for this credit card. 

When I spoke to XXXX XXXX about this, they said that they could not remove it because it was opened online. Anyone can open up an account online if they know your information. I agreed to pay {$130.00} upon removing this from my file, just to settle this once and for all because they mentioned that they would delete this from my credit report in XXXX of XXXX, and I had made this payment in XXXX of XXXX. 

Because they did not Delete this from my report I had to file another police report as well as a new FTC report. I do not know what they are gaining from this when I have already filed everything that needed to be filed to get this removed. I want them to remove this as they promised, especially since i did not do this or have shown me any evidence that i physically opened this, only that my ex partner opened it up online. 

Thank you!

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On the date I initially reached out to this agency via certified mail, I informed them of my identity theft victim status. However, as of todays date, this agency continues to include information in my credit report that stems from this identity theft incident. According to Section 605B, titled " Block of Information Resulting From Identity Theft, '' consumer reporting agencies are obligated to alert the sources of this information, such as financial institutions, about the potential origin of the information being identity theft, and to inform them that an identity theft report has been filed. I have provided this agency with FTC report numbers XXXX  and XXXXalong with a formally requested block. Following such notification, Section 623 ( a ) ( 6 ) requires the sources of information to cease reporting any data in a consumers file that the consumer has identified as resulting from identity theft. This cessation must occur no later than 4 business days after the agency receives : ( 1 ) adequate proof of the consumer 's identity ; ( 2 ) a copy of the identity theft report ; ( 3 ) the consumer 's identification of the disputed information; and ( 4 ) a declaration by the consumer that the information is unrelated to any transactions made by them. 
I have satisfied all these stipulations, and evidence supporting this claim will accompany this complaint. Despite fulfilling these requirements, this agency has not adhered to the requirement set forth by the FCRA 15 U.S. Code 1681c2 to block the reporting of the information I identified as arising from identity theft within the specified 4 business days following your receipt of the necessary documentation. This failure constitutes a violation of the law and makes this agency civilly liable for willful non-compliance, including any actual damages I have suffered as a result of this failure, in accordance with 15 U.S. Code 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: 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 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  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 response to consumer: Closed with non-monetary relief