vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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: MS

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 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 2024-03-06 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: MS

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 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 2024-03-06 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
On XX/XX/XXXX I spoke to an agent who assisted me with setting up a payment of {$350.00} over the phone. I then changed the payment to {$80.00} which was drafted from my account. After that payment I set up Other payments to be drafted. 10 days later I get an email from the credit card company that my account was charged off and sent to collections for the amount of {$590.00} which is incorrect. The original creditor was still drafting payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2024 Caine & Weiner Company XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : Dispute of Debt and Request for Validation Dear Caine & Weiner XXXX This letter serves to formally dispute any and all debts I am alleged to owe to Caine & Weiner Company XXXX I am writing in accordance with the following consumer protection laws : 12 CFR 1006.34 ( b ) ( 5 ) : This regulation mandates that debt collectors provide written validation of debts within five days of your request.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation requires debt collectors to provide you with the name and address of the original creditor upon request.

12 CFR 1006.34 ( d ) : This regulation prohibits debt collectors from communicating with you in any way except to validate the debt, confirm that the debt is not being disputed, or pursue court action.

15 USC 1681-S 2 ( 7 ) ( a ) : This section of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to revoke my consent to be contacted by a debt collector through phone calls, text messages, or emails.

Therefore, I am requesting the following : Validation of the Debt : Please provide a written validation of the alleged debt, including the original creditor 's name, account number, balance, and a breakdown of any charges or fees. 

Purchase Agreement : If you are not the original creditor, please furnish me with a copy of the purchase agreement between Caine & Weiner and the original creditor.

Proof of Licensing and Bonding : Please provide documentation proving your license and bond status to collect debts in the State of XXXX.

Furthermore, I am exercising my right under the FDCPA to revoke all consent to be contacted by Caine & Weiner through phone calls, text messages, and emails. All future communication regarding this matter must be done through written correspondence sent to the address listed above. 

Please note that I will take any necessary legal action to protect my rights under the Fair Debt Collection Practices Act if these requests are not fulfilled within 30 days of the receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: LA

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, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 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
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The bankruptcy should not be 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 2024-03-07 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: PA

Complaint narrative:
I am attaching details my score should be XXXX they need to stop lowering my scores and finish removing all the fraudulent information off my report which is not suppose to be on there they are not complying with removing fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The bankruptcy should not be 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 2024-03-06 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: IL

Complaint narrative:
I recently reviewed a copy of my credit. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. that has been hurting me as i am in the process of buying a home for my family. please remove the fradulent accounts from my credit reporting as possible. XXXX  # XXXX, XXXX  # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: IL

Complaint narrative:
I recently reviewed a copy of my credit. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. that has been hurting me as i am in the process of buying a home for my family. please remove the fradulent accounts from my credit reporting as possible. 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 2024-03-06 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: NY

Complaint narrative:
There are fraudulent accounts on my credit profile and it is affecting my livelihood. I am devastated by this. Please remove the account from my credit report as the law requires.

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 2024-03-06 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: NY

Complaint narrative:
There are fraudulent accounts on my credit profile and it is affecting my livelihood. I am devastated by this. Please remove the account from my credit report as the law requires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

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 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc.
State: WA

Complaint narrative:
In XX/XX/XXXX I paid Tesla {$500.00} as an 'order fee ' for a XXXX  Tesla XXXX XXXX  facilitated via the Tesla used inventory webpage online.At the time of placing that order, I applied for financing through Tesla , and was given a quote of a 7.99 % interest rate. All of this was done online, then I was instructed to don load the Tesla app and the remainder of car buying process would be XXXX XXXX XXXX. 

After down loading the app, I submitted the requested documents and told when they finished processing my application I'd be prompted via the app to move forward and make my payment, then the vehicle would be prepared for delivery. 

A few days later ( I believe XX/XX/XXXX ) I received notification in the Tesla app to make the down payment for my car. The prompts gave only the option for TeslaFinancing as the payment method for the remaining balance on the car ... .. naturally, I thought I as agreeing to finance through Tesla , since thats what I had applied for. 

I completed the process and made an ACH transfer of {$20000.00} and the loan documents were supposed to be available thenext day. Tesla is obviously a well known company and I never second guessed any of the process because .... it was Tesla. Theday came I was supposed to pick up my car and I still didn't know anything about my payments or have any documents aboutthe loan. 

So, I texted the 'delivery team ' asking about my loan information, explaining I wasn't comfortable taking possessionof a car that I didn't know anything about the financing or terms of my ownership. The Tesla representative I spoke to emailed me a very simple 2 page paper, it was vague and provided no actual details otherthan the interest rate was 12.99 %, not 7.99 % and was with an alternate lender. 

I immediately reached back out to Tesla asking about the changes, explaining I was never asked to accept new terms oragree to change any details. In fact, when placing my order online, the possibility of not being eligible for the interest ratequoted was never disclosed. I was never notified about a problem with my application and wasn't given the opportunity toprovide a larger deposit or a co-signer or to unwind the deal all together. 

I NEVER ACCEPTED or SIGNED THE NEW LOAN TERMS. I NEVER GAVE AUTHORIZATION TO SIGN MY NAME ELECTRONICALLY.I took possession of the vehicle, didn't even know where to submit my payments to. I had to contact the regional manager several timesbefore I was given access to the actual loan documents, onceI finally did see the paperwork, the date and time on the loan applicationwas late in the evening the same day of pick up .... which was well over a week from when I applied for the Tesla financing. 

Had I of been notified of the change in eligibility of loan terms I would have tried to negotiate or not moved forward with the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
I need all Names and addresses deleted from my credit report except the name and address that will be on the drivers license and current bill that I will be attached to this complaint. Everything other than the information provided is incorrect and should not be on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need all Names and addresses deleted from my credit report except the name and address that will be on the drivers license and current bill that I will be attached to this complaint. Everything other than the information provided is incorrect and should not be on my 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 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SHARP COLLECTIONS, INC
State: PA

Complaint narrative:
In early XXXX I was given a past due notice for a tax bill I never received. I attempted to resolve this with the debt collector and my local municipal government through a combination of email, phone calls, and in person conversations but proof of a delivered tax notice was not provided. 

I offered to pay the tax amount, but was not willing to pay the collection fees. Sharp Collections was not willing to provide this amount to me, nor was my municipal government willing to accept payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/year> deposit a settlement check into my checking account. Capital One stated {$750.00} will be available XX/XX/year> ; {$750.00} will be available on XX/XX/year> ; remaining balance will be available on XXXX. I received an email confirming the deposit and funds available dates. I get another email stating they feel my check will be returned therefore the entire check will be held until XX/XX/year>. If I need assistance or request a refund of the deposit call the number listed. I called and my account balance is stating XXXX less, because they deducted the over draft balance from the check. I cant get none of my check but the bank took funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity Customer Service Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Formal Complaint Regarding Fraudulent Interest Charges on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX Dear Comenity Customer Service, I am writing to bring to your attention a matter of great concern regarding the credit card account of mine. It has come to my attention that there were fraudulent interest charges amounting to {$1800.00} on my XXXX XXXX XXXX XXXX XXXX  in XX/XX/XXXX. 

I had previously contacted the credit card company, XX/XX/XXXX when the card transitioned from Comenity. During that call, she explicitly confirmed that the interest-free terms of the credit card would be honored until the balance was paid off in full. This information was crucial to my financial planning, and she has diligently adhered to the terms outlined during that conversation. 

As documented, XXXX XXXX consistently paid more than the minimum amount due, had automated withdrawals set up through her bank, and, as of now, has successfully paid off the entire balance, with only {$1800.00} remaining at the time of the erroneous interest charge. 

I am requesting a thorough investigation to locate and verify the recorded phone call from XXXX, where the credit card representative assured me that the interest rate would remain at XXXX until the bill was completely paid off. It is imperative that this documentation be found and utilized to rectify the unjust interest charges levied against me. 

The balance of {$1100.00} was paid in full on XX/XX/XXXX. I kindly request the immediate closure of the credit card account in question and the removal of the overcharge and illegal interest from my account. 

I appreciate your prompt attention to this matter and expect a swift resolution. If necessary, I will take legal action to resolve this matter. I look forward to having this resolved in XXXX business days. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX -they never responded by mail or email- the last email I received in regards to my floor and decor bill was XX/XX/XXXX. It is suspicious that there were no emails sent in XX/XX/XXXX and XX/XX/XXXX. 
- they have not even tried to locate the recordered phone call- they purposely give incorrect information so they can take advantage of consumers. Im curious if this has happened to other consumers. 
- I asked to negotiate the interest charge and they said no - I can not pay a {$2000.00} interest charge - I am a victim of credit card fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-06 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 have reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report. Please remove these accounts from my report as they were not done by me and affecting 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