vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: DC

Complaint narrative:
inaccurate reporting to consumer report and violation of privacy. I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I " v sent notice XXXX, PRIVACY ACT OF 1974 15 USC 1681 15 USC 6508 15 USC 6802 15 USC 6805 16 CFR 313.7 16 CFR 433.2 15 USC 1681 eb 15 USC 1681 i7

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 2024-12-26 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate information reported by XXXX XXXX XXXX XXXX on my credit account. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) Section 1681 ( e ) ( b ), which requires data furnishers to ensure maximum accuracy of the information provided to credit reporting agencies. 

**Details of the Issue : ** XXXX XXXX XXXX XXXX has reported my account as " charged off '' ( CO ) inconsistently and inaccurately over multiple years, as detailed below : - XXXX : ** XXXX ( CO ), XXXX ( CO ), XXXX ( CO ), XXXX ( CO ), XXXX ( CO ), XXXX ( CO ), XXXX ( CO ), XXXX ( CO ), XXXX ( CO ), XXXX ( CLS ), XXXX ( ), XXXX ( ). 
- XXXX : ** CO reported for every month except XXXX ( CLS ) and XXXX ( ). 
- XXXX : ** CO reported for every month. 
- XXXX : ** CO reported for every month. 
- XXXX : ** CO reported for every month. 
- XXXX : ** No data for XXXX through XXXX, " 30 days late '' ( XXXX ), " 60 days late '' ( XXXX ), " 90 days late '' ( XXXX ), " 120 days late '' ( XXXX ), " 150 days late '' ( XXXX ), " 180 days late '' ( XXXX and XXXX ), and " charge off '' ( XXXX and XXXX ). 

This reporting contains clear inconsistencies. For instance, the " charge off '' ( CO ) status is repeatedly applied without proper explanation or continuity, while " no data '' ( ND ) entries and " closed '' ( CLS ) statuses appear intermittently without context. Such inaccuracies suggest a failure to comply with FCRA Section 1681 ( e ) ( b ).

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 2024-12-26 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: MD

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: MD

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2024-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: John C. Heath, Attorney at Law, PLLC
State: WI

Complaint narrative:
I sent money to this company and they said that they were going to repair my credit but it never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: AZ

Complaint narrative:
EXPERIAN THESE HARD INQUIRIES ARE NOT MINE, NOT ASSOCIATED WITH ANY ACCCOUNTS IN MY NAME, AND MUST BE REMOVED PER THE FCRA XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year> THE INDEPENDENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX REMOVE THE ABOVE HARD INQUIRIES THAT ARE NOT ASSOCIATED WITH ANY ACCOUNTS AND RESTORE MY CREDIT FILE REPORTING TO ACCURATELY REPORT MY FILE

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate information reported by Discover XXXX XXXX on my credit account. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) Section 1681 ( e ) ( b ), which requires data furnishers to ensure maximum accuracy of the information provided to credit reporting agencies. 

**Details of the Issue : ** Discover XXXX XXXX has reported my account inconsistently and inaccurately over multiple years. Below is a detailed record of the payment history as reported : - 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX The payment history contains multiple inconsistencies and inaccuracies. For example : - " Charge off '' ( CO ) status is reported repetitively without clear rationale or supporting documentation.

- " No Data '' ( ND ) entries appear inconsistently across months and years, raising questions about data reliability.

- " Closed '' ( CLS ) and " charge off '' entries are reported simultaneously in XXXX, which is contradictory. 

Such inaccuracies suggest that the reporting by Discover XXXX XXXX is not in compliance with FCRA Section 1681 ( e ) ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Complaint Regarding Failure to Remove Fraudulent XXXX XXXX Account from Credit Report I am writing to file a formal complaint against XXXX for their failure to remove a fraudulent loan account from my credit report, despite having provided all necessary documentation evidencing identity theft. 

Background : Fraudulent Account Details : Creditor XXXX XXXX Account Number : XXXX I have notified XXXX  several times but willfully and negligently failed to remove this account off my credit report which cause me harm of denial of credit, lower credit score, emotional and mental stress. 

Despite providing comprehensive evidence of identity theft, XXXX has failed to remove the fraudulent account from my credit report. This inaction is causing significant harm to my creditworthiness and financial well-being.

Applicable Law : Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681c-2 ( a ) : A consumer reporting agency is required to block the reporting of information identified by the consumer as resulting from identity theft within four business days of receiving appropriate proof. 
CONSUMER FINANCIAL PROTECTION BUREAU 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ) : Furnishers of information, such as XXXX, are obligated to cease reporting information that has been identified as resulting from identity theft upon receiving notice, including an identity theft 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 explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Hello on XX/XX/XXXX I discovered this account was closed and also taken out in my name due to the data breach of XXXX. This account was opened in my name without my knowledge. The account is named XXXX XXXX it currently has a balance of {$2600.00}. It was opened XX/XX/XXXX. I have no knowledge of this account and I would like for the account to be deleted blocked and removed off of my credit report, thank you 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 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Shepherd Outsourcing, LLC
State: MI

Complaint narrative:
this company has been constantly calling me multiple times a day at random times, ranging from XXXX to XXXX XXXX. when asked what the company did as its source of income i was told that " they couldnt say unless i confirmed who i was. " ive had too many identity theft attempts to even want to think about believing that this isnt a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: FL

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.M

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian has not been responsive to numerous customer service requests in order to access my account. This company was requested to change an old phone number as a result of identity theft. Theyve not updated this for over two years preventing me from gaining access to my account information and credit report from them. The company does not provide a phone or automated method to update my own information. As a result, Experian has not been responsive.

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 2024-12-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Payfare International Inc.
State: OH

Complaint narrative:
I received on XXXX a Dash debit card. I never applied for it and do not even know what the company is about. They have my full name and address. They provide instructions to activate at XXXX or myDashCard.com. It also states that I will incur in a fee regardless if used or not. I do not know the company, have not activated the card but they have my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: CA

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 2024-12-26 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: CA

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 explanation
Consumer complaint received 2024-12-26 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-26 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have a store credit account with Big Lots. I previously would make all my payments in store. I was told by a store associate when I went to make my payment in XXXX XXXX  that the physical stores would no longer take payments and that I could do it online or over the phone. I tried to make a payment online using my account but online you could only use your banking account info. ( account # and routing ). I don't feel conformable using that info online ever so I decided to give them a call. A representative helped me make my payment with no issues. I wasn't charged a fee making that payment nor was one mentioned. Fast forward to XXXX XXXX. I called to let them know I wanted to close my account. This time before I was transferred to a rep the automated system informed me that it could be a {$9.00} fee if a rep was to assist with making a payment using the phone. I spoke with a rep and let them know I wanted to close my account. The rep said I would need to pay my remaining balance of {$43.00}. I expected that and was willing. The rep then stated for me to pay using my debit card there would be a {$9.00} fee. They stated that the total to be charged to my card that evening would be {$52.00}. They payment went through and the rep gave me a confirmation #. Two day later I noticed that the charges had not come out of account.

I called Big Lots customer service back and was informed that it could take XXXX days. 
But they saw the payment and everything was ok. I recently logged in online to check to see if they finally took out for the payment. They only debited {$43.00}. I was confused as it was supposed to have been {$52.00}. Big Lots ended up billing for the {$9.00} instead of taking it out using my debit card. Thus, creating another charge on my statement calling it an " expedited payment fee '' then adding interest all in a span of a week. I didn't ask to expedite anything. Plus if it was expedited why did it take XXXX days to come out of my account and reflect on your end as paid. The whole time I'm left to think the account has been paid off and closed. Now I have to pay nterest on the {$9.00} fee for making a payment with them. And again the ONLY way to make a payment with your debit/credit card is speaking with a representative. I know it's not a lot of money but I am only XXXX of thousands that when a company nickle and dime each customer it can really add up.

Company response to consumer: Closed with monetary relief