vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
reporting XX/XX/2023 The data for this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! 
Upon inspecting Dispute Status ( XXXX ) exhibiting Account not disputed. These discrepancies are alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the XXXX. 
" XXXX  '' Is to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, TRANSUNION used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. TRANSUNION reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted a third party entity called XXXX also known as XXXX in early XXXX of 2023 due to incorrect data they are falsely advertising and selling to the credit bureau Experian of me. 

The name of the person I spoke to is XXXX XXXX and I dont know what his person. She falsely indicated my address, she refused to disclose the fraudulent information that was in the files of XXXX, a company that does rental screening etc. I never lived at the place they are reporting to Experian. My ID, social and money and other things were stolen from my purse and I have alerted all credit bureaus to include a fraud alert on my credit and I keep it frozen. XXXX XXXX and Experian are falsely accusing me of a debt that does not belong to me. They are have wrong address and other data of me incorrectly. I am in process of filing a lawsuit against Experian and XXXX. I have asked both of these companies to send me a notarized contract or legal agreement with my signature as well as a copy of my ID and other verifiable information of who can prove that this alleged debt from a XXXX company even exist. This is fraud and a XXXX system that these third party companies keep trying to manipulate and cause hardship on people of XXXX. Its against FCRA laws to reinsert an alleged debt that has not been verified back into a consumer files. Experian has also investigated and removed this allegation from my credit. This alleged debt was six or seven years ago when I found out my information was as stolen. I never lived there. XXXX XXXX said she couldnt provide any information on this alleged debt so how can you falsely accused someone of a debt you can not prove. I am a homeowner and I have good credit. These XXXX third party companies are XXXX biased and trying to keep people of XXXX XXXX and keep them in debt. XXXX member number is XXXX XXXX and she called me and lied and said my file was going to be unfrozen so she can exploit fraudulent debt. I never lived at a XXXX address. Never in my life.

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 2023-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank is going after me for an item that was broken when sent. The customer service rep told me to trash the mattress since it wasnt in the original box. They fraudulently charged me for random things so I opened a case and closed my account here is proof

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023 I was charged {$44.00} dollars by XXXX  *XXXX XXXX XXXX, XXXX for XXXX seatbelt extenders. 

I returned these back within 10 days, receive a partial refund in the amount of {$26.00} and a partial refund from Chase in the amount of {$3.00}. 

I've probably called Chase XXXX times to get my remaining {$17.00} back. Over the last 60 days. 

Their off share workers are incapable of accomplishing this simple task. 

Partial Credits issued ( but still {$17.00} to be made whole ) : XX/XX/2023 XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/2023  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XXXX  my car with all personal belongings including credit card, debit card, and phone were stolen. Charges were racked up. I made a dispute that was later denied after supplying FTC id theft reports and police reports concerning the matter. The company refuses to honor my fraud claim, and have not gave me a detailed explanation in how they verified the information

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: FC HoldCo LLC
State: CA

Complaint narrative:
The loan I applied for on XX/XX/XXXX and was denied on XX/XX/XXXX. The dealership mailed a signed " notice of election to rescind '' the contract and I was pressured to return to the dealership during the third week of XXXX. The salesman I originally worked with was not on site to explain what was going on but I had to sign some new paperwork and was told that my {$1000.00} deposit was being moved to a new contract that would allow me to keep the car. This new contract was signed that same day during the third week of XX/XX/XXXX. One week later Flagship Credit Acceptance contacted me saying I had a payment due in two weeks. My first two payments to Flagship were deemed late and when the Flagship representatives asked me why I was making late payments, I explained that I was under the impression that I did not owe them money and that I was confused as to what was happening. I've since then, located a copy of the Notice of Election to Rescind and contacted Flagship to ask for a copy of the contract they are executing. I contacted Flagships customer service via email on XX/XX/XXXX along with a supervisor by the name XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to no avail. I also contacted another supervisor, XXXX XXXX, via email on XX/XX/XXXX. In each email I have attached a copy of the " notice of election to rescind '' for the contract dated XX/XX/XXXX and asked for a copy of the contract being executed. The company will not respond to me and continues to report information to the consumer reporting agencies that is damaging to my report. Please 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 explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
The auto loan in question is through Santander Consumer USA. The vehicle was repossessed in XXXX of XXXX. It was then sold at auction in XXXX of XXXX. After repossession Santander continued to report late payments to the account. I was never notified that the vehicle was sold at auction. I only found out through my credit report when late payments stopped hitting the account in XXXX. Santander sold the vehicle for more than the loan amount as well. Additionally, the vehicle was charged off during the pandemic when I was already approved and on the pandemic forbearance plan that paused payments. Santander still repossessed the vehicle and is now a YEAR AND A HALF LATER reporting it as a repossession with a balance still due. I have sent letters to the credit bureaus as well as Santander asking for the removal of the account because of all of the inaccuracies. I have never received a response from Santander and the credit bureaus will send a letter or email asking for additional time with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following accounts are unverifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have also ask the creditor and credit bureau to provide with proof bearing my signature that I owe this debt. They have both failed to do so. 
Also, 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. 1
5 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 als
o states a consumer reporting agency can not furnish a account without my written instructi

ons 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 explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2023, Experian had the audacity to inform me that they had received my information and dispute letter, only to dismiss it without any investigation. Their reason? They had the nerve to accuse me of utilizing a credit repair company. I've endured months of humiliation and mockery from Experian, and I've reached the boiling point. My rights as a consumer are being trampled upon, and I demand to know how I'm supposed to fight back when I keep encountering the same issue over and over again. I implore you to provide guidance and assistance in rectifying this infuriating situation. Thank you, but I'm really not in the mood for pleasantries right now

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 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Sunday XX/XX/2023 I received 3 calls from XXXX XXXX. Someone had hatch into our account and made transaction with our Debit Card. The bank had to cancel that Debit Card. The Bank had to order another that should come in made within the next 2 to 3 days. Today XX/XX/2023 I open our email and I receive a email from my Bank, which is XXXX. It stated Major Derogatory Account. The company was XXXX XXXX. It was stated the New negative/major derogatory activity has appeared on your credit report. Bankruptcy and late payments are considered major derogatory information on your credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I, the victim, was not aware of the fraudulent activities on my credit history. I noticed between the month of XXXX 2023 when I could not get approved for a vehicle and my credit started to decline. These actions were not taken by me. At the time, I was between the ages of XXXX trying to build my credit score and did not know anything about credit cards let along credit fraud. One account is within the amount of ( XXXX {$11000.00} ) and the other ( XXXX XXXX {$4000.00} ) is wish to be removed as for my credit will rise and I wouldnt have to keep coming across this hassle.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK
State: TX

Complaint narrative:
I, the victim, was not aware of the fraudulent activities on my credit history. I noticed between the month of XXXX 2023 when I could not get approved for a vehicle and my credit started to decline. These actions were not taken by me. At the time, I was between the ages of XXXX trying to build my credit score and did not know anything about credit cards let along credit fraud. One account is within the amount of ( discover- {$11000.00} ) and the other ( XXXX XXXX {$4000.00} ) is wish to be removed as for my credit will rise and I wouldnt have to keep coming across this hassle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, the victim, was not aware of the fraudulent activities on my credit history. I noticed between the month of XXXX 2023 when I could not get approved for a vehicle and my credit started to decline. These actions were not taken by me. At the time, I was between the ages of XXXX trying to build my credit score and did not know anything about credit cards let along credit fraud. One account is within the amount of ( XXXX- {$11000.00} ) and the other ( XXXX XXXX {$4000.00} ) is wish to be removed as for my credit will rise and I wouldnt have to keep coming across this hassle.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW 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