vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 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 2024-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
I purchased a XXXX XXXX XXXX  account # XXXX on XX/XX/XXXX in the amount of XXXX. That car was a lemon. I noticed the car started making noises around XXXX. I called the car company to see if I had a warranty to get it fixed. I did. They gave me a place to take the car and get it fixed. I did. The car came back worse. It now had a major oil leak and went down fast. I was paying {$300.00} every XXXX weeks up until that point. I could not afford to pay for a broke down car. I had to pay for rides to work and gas, plus people time. The car went down between the end of XXXX and XX/XX/XXXX. I didn't even have the car a whole year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: NJ

Complaint narrative:
I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ) and Privacy Act of XXXX, as a federally protected consumer, to opt out and rescind any and all prior assumed authorizations of the sharing of my private data and personal information I may have given you, written, non-written, verbal, or non-verbal per 15 U.S. Code 6802.

I hereby request that you cease and desist from sharing or disseminating any of my private data and personal information to third parties, unless explicitly authorized by me in writing. This includes but is not limited to my name, address, social security number, financial information, and any other data that could be deemed sensitive or private.

Furthermore, I revoke any consent that may have been implied or assumed in any previous agreements or interactions with your organization or any affiliated entities. It is my explicit desire that my private data and personal information be kept confidential and only used for the purposes explicitly agreed upon, approved of and authorized in written form by the consumer, in any contracts or agreements between myself and your organization.

Please consider this letter as a formal notice of my intent to opt out of any data sharing practices and to rescind any prior authorizations. As such, I expect immediate compliance with my request and confirmation of action taken within the timeframe required by law.

Failure to comply with this request may result in legal action, including but not limited to pursuing remedies available under the FCRA, Privacy Act of XXXX, and other applicable statutes.

Thank you for your prompt attention to this matter. I trust that you will handle my private data and personal information with the utmost care and respect for my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I purchased a piece of furniture from XXXX XXXX stores. I have their credit card, which is through Synchrony Bank. Their policy is if you find something cheaper within 30 days of your purchase, they will honor it. XXXX did not honor it. I talked to the credit card, and they put in a dispute and an investigation. Synchrony Bank told me they would call within XXXX to 90 days or send a letter to let me know any information they XXXX have the item being less expensive. I did not hear from them. I called them to find out what was going on. They told me that they could not get XXXX to agree to honor the price. I told him I never received a letter or a phone call from Synchrony to let me know to start paying again. At that point, I started paying again on the terms that there was no interest for XXXX year. Because when I purchased the item from XXXX, there was a promotion which is stated on the first bill no interest for XXXX year if paid in full within 12 months. I paid in full at the correct timeframe. During the course of of the year I spoke to about XXXX customer service representatives from Synchrony. More than for them told me that transaction was coded wrong. Thats why they started charging me interest. I shouldve never been charged interest at all. They said they were going to code it correctly, and they never did. They have not stopped calling me for weeks now. They also put the transaction on my credit report which is completely incorrect. I dont know what to do. At this point Ive paid my bill in full at the exact time I was supposed to pay it with no interest. Otherwise I would never have purchased for furniture from XXXX if there was interest. I have purchased many things from XXXX and it was always on a promotion basis and never paid interest when buying furniture. This has been an ongoing situation, and I feel very harassed by all the phone calls, and the fact that the credit card company wont resolve this when they coded it wrong. I would just like this to be settled.

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 2024-02-21 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-21 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I am a verified victim of Identity theft and XXXX, XXXX, and XXXX data breaches. I am writing to you because you are reporting inaccuracies and I have been notified of a breach. I am promised accuracy in my credit `report based on federal law I am making this call as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d all unverified information must be promptly removed as you can see in your system that you can not verify this information and validate it so I request that you remove it now. I have my police reports and all necessary documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a verified victim of Identity theft and XXXX, XXXX, and XXXX data breaches. I am writing to you because you are reporting inaccuracies and I have been notified of a breach. I am promised accuracy in my credit `report based on federal law I am making this call as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d all unverified information must be promptly removed as you can see in your system that you can not verify this information and validate it so I request that you remove it now. I have my police reports and all necessary documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
On XX/XX/2024, i got a call so i answered it. The person on the phone said they were the fraud department for my bank, and said i had suspicious transactions on my account, and that they were going to close that account for me. They then said they would send me a code for me to read back to them to verify it was me. Everything seemed fine until the next morning. The next morning i checked my back account and i was missing {$1800.00}. I could also see that all my money was spent in XXXX, Georgia and I live In West virginia. I then called my bank and met with them. My bank told me i had been hacked and that they would try their best to reimburse me. They then reimbursed me about {$1000.00}, but said they had to wait for the rest to get approved. I then waited for about a week to hear back. The person working with me on this then called me and said the fraud company is not reimbursing me the rest because they believe i made those transactions even though all transactions were from Georgia. I am still currently missing about {$900.00}.

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 2024-02-21 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO

Complaint narrative:
I recently checked my credit profile and realized there are some accounts that I am unfamiliar with and alot of accounts that are reporting incorrect information. I have never gave written consent or permission to report to my credit profile and I have contacted the credit companies and the credit bureaus to seek the documentation that shows I gave them permission to report to my consumer profile. By law that is Aggravated Identity Theft 18 U.S. Code 1028A These companies are also reporting inaccurate information across all XXXX bureaus. Dates opened, dates closed, and other things are not the same dates or numbers across all three credit bureaus.

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 2024-02-21 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: TN

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to file a formal complaint against XXXX XXXX  regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GBLA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services.

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent.

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX complies with all federal regulations and laws including the GLBA, to protect the privacy and information security of consumers like me.

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX .

Please feel free to contact me at at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to file a formal complaint against XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GBLA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified XXXX XXXX  that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services.

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX   has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent.

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX complies with all federal regulations and laws including the GLBA, to protect the privacy and information security of consumers like me.

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX  XXXX 

Please feel free to contact me at at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my rights.

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 2024-02-21 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-02-21 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc
State: OH

Complaint narrative:
Received a letter in the mail from Stuart-Lippman and Associates concerning a debt owed by the company XXXX XXXX XXXX XXXX of {$7800.00} ( File # XXXX ) to their client of XXXX XXXX XXXX .

I am not affiliated with this company or client and this is not my debt. 

I did call the contact on the paper ( XXXX XXXX ) and let him know this as well.

See attached file for letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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 am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I use bill pay and have set several accounts to autopay. I have never had an issue with Bill Pay previously. On XX/XX/XXXX, a payment was supposed to have been paid to my mortgage company. The check from the bank was received by my mortgage company XXXX  days late and I was charged a late fee by them. I asked the bank to reimburse me the late fee and they refused.

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 2024-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I sent money over venmo and XXXX and my disputes with the money declined and now taking all back because someone didnt do what I paid them to do and they are asking if I could contact the person I sent the money to but Im blocked and he hopped out of town and I feel like Im in a terrible situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Money Network Prepaid Debit Card, moneynetwork.comXXXX, refuses transfer of funds to my online checking banking account XXXX XXXX XXXX. Spoke with customer service employee named XXXX Tues XX/XX/XXXX @ XXXX @ XXXX PST who stated funds can only be transferred to bank that have physical buildings, no online banks, ie XXXX  or XXXX  or XXXX XXXX XXXX Cardholder Agreement policy does not state the exclusion in their policy. CA XXXX recently changed XXXX XXXX  from XXXX XXXX XXXX to Money Network as of XX/XX/XXXX. XXXX had no problem transferring funds to my online checking account XXXX XXXX XXXX as there is an routing & account # and participates in ACH bank transfer. Attempted money transfer XXXX days in a row with same error message. Attempted to transfer funds in an amount that is smaller than my account balance and error message still received.

Company response to consumer: Closed with explanation