vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2023, American Express is claiming there is a charge for {$2400.00} with XXXX XXXX. For XXXX XXXX. 

I have spent hours with XXXX XXXX. They have no record of this. This was no flight booked or flight taken under XXXX XXXX in XXXX or XXXX of 2023. 
No purchase under my name or XXXX number or phone number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-06 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2024-02-06 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
false information listed on my XXXX credit report, in which shows a debt to income ratio preventing finacing options.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The following inquiries are unauthorized. 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The following inquiries are unauthorized.
 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I need the inquiry removed. The violation made was 15 USC 1681s2 - Responsibilities of furnishers information to consumer reporting agencies. And may be in violation of 15 USC 1681 ( e ) -Procurement of consumer report for resale. The inquiry shared to other agencies is damaging to the credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: CA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Carvana Group, LLC
State: NV

Complaint narrative:
On XXXX XXXX, I placed an order from Carvana LLC, an online used car company, for a 2016 XXXX XXXX. I was required to pay a roughly {$1800.00} nonrefundable shipping fee despite gross mischaracterizations of the merchandise and services by Carvana. 

I never got the car and, after realizing how much false advertising was involved with this car, canceled the order before it was ever shipped. 

The car advertising boasted of a perfect 150-point inspection ( included in my documentation ), allegedly conducted just several months ago by Carvana. I took time off work in order to pick up the new car 400 miles away from my home on Friday, XXXX XXXX, only to be told less than 24 hours before pickup time that the car transportation was delayed. 

My documentation includes screenshots of conversations with two different Carvana agents ( XXXX XXXX ) who tell me completely different things about why my order was suddenly delayed. At first I was told there were no issues with the car and that the transport was delayed ; the second agent admitted that there was a last minute mechanical problem that forced Carvana to fix it before shipping -- I was not told this in advance and was led to believe that my car was on the way right up until the night before my pick up date on XXXX XXXX. 

In reality, the car had neither boarded a truck nor received the alleged 150 point perfect inspection that influenced my decision to purchase. When asked, the Carvana agent would offer no explanation as to what this mechanical issue might be, when it might be fixed, or when the car would actually arrive. Had I known that the 150-point inspection was a sham, I would never have purchased the car or paid for the shipping. Carvana blatantly mischaracterized their product and services. 

Ultimately, I canceled my car order on XXXX XXXX before the car was ever shipped. I've filed a claim with my bank to recoup the roughly {$1800.00} " nonrefundable shipping fee '' from this company, one which has gained a reputation for false advertising and misleading business practices. 

I want my money back. I asked Carvana to refund the " shipping fee '' due to their false advertising but they would not budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
My wife and I went on a XXXX cruise in XX/XX/scrub>XXXX  2023 and she bought jewelry in the amount of {$3500.00} from XXXX XXXX on board the ship XXXX XXXX. We were offered and took advantage of a promotion on the XXXX XXXX credit card where we were offered 12 months same as cash. When we returned from our trip we received our first invoice which showed an amount of {$5000.00} showing an overcharge of {$1500.00}. This was appealed immediately but rejected ( I am still in the process of appealing this overcharge. ) The overcharge was not authorized, and we have no idea where it came from. I have attached the jewelry invoice from XXXX jewelers along with the first bank statement showing an overcharge. I have called and discussed with both XXXX and XXXX at least seven times with no resolution. I have confirmed the amount that was charged from the vendor, XXXX, who confirmed that the proper amount of {$3500.00} was charged. 

I have attached a marked-up invoice of all credits and charges on the cruise. You will notice the charge of {$3500.00} from XXXX XXXX, but no other charges that are {$1500.00}- which we did not approve in the first place. 

I am very frustrated with this situation as this has been going on for over six months and has not been resolved. I have been given the run around on this with no solutions and hope you can 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 2024-02-06 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2024-02-06 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding unauthorized inquiries on my credit report by XXXX, TransUnion, and XXXX. It appears that these inquiries were made without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b.

The FCRA outlines permissible purposes for consumer reports, and one of these purposes, as stated in 15 U.S. Code 1681b ( 2 ), is to furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. Furthermore, under P.L 90-321 ( 82 Stat. 146 ), which supports the FCRA, stricter provisions are in place to ensure that consumer reports are only obtained in response to specific requests authorized by certain government agencies.

I have not provided written consent for these inquiries, nor have I authorized any entity to request my credit report for the purposes for which these inquiries were made. As such, it appears that XXXX, TransUnion, and XXXX have violated the FCRA by furnishing my consumer report without my written instructions or consent. 

I would also like to bring your attention to the Privacy Act of 1974, particularly 5 U.S. Code 552a ( 4 ), which defines the term " record '' as any item, collection, or grouping of information about an individual maintained by an agency. This includes, but is not limited to, information about the individual 's education, financial transactions, medical history, and criminal or employment history.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address these unauthorized inquiries. Enclosed with this letter, you will find copies of relevant documents, including my credit report reflecting the unauthorized inquiries.

Thank you for your prompt attention to this issue. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure that my rights under the FCRA are protected. 
XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding unauthorized inquiries on my credit report by XXXX, XXXX, and Equifax. It appears that these inquiries were made without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b. 

The FCRA outlines permissible purposes for consumer reports, and one of these purposes, as stated in 15 U.S. Code 1681b ( 2 ), is to furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. Furthermore, under P.L 90-321 ( 82 Stat. 146 ), which supports the FCRA, stricter provisions are in place to ensure that consumer reports are only obtained in response to specific requests authorized by certain government agencies.

I have not provided written consent for these inquiries, nor have I authorized any entity to request my credit report for the purposes for which these inquiries were made. As such, it appears that XXXX, XXXX, and Equifax have violated the FCRA by furnishing my consumer report without my written instructions or consent. 

I would also like to bring your attention to the Privacy Act of 1974, particularly 5 U.S. Code 552a ( 4 ), which defines the term " record '' as any item, collection, or grouping of information about an individual maintained by an agency. This includes, but is not limited to, information about the individual 's education, financial transactions, medical history, and criminal or employment history. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address these unauthorized inquiries. Enclosed with this letter, you will find copies of relevant documents, including my credit report reflecting the unauthorized inquiries. Thank you for your prompt attention to this issue. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure that my rights under the FCRA are protected. 
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
Debt was paid in full on XX/XX/2024 XXXX, I paid the debt with my XXXX XXXX XXXX please see attached and on page XXXX of XXXX XXXX XXXX XXXXXXXX {$630.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation