vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 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: 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 explanation
Consumer complaint received 2023-08-25 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: Colony Brands, Inc.
State: NY

Complaint narrative:
Seventh Avenue is not reporting accurate payment and account information to credit bureaus. I have sent numerous emails and just logged on and sent an internal email. I owe nothing. And due to the hassle I will not be ordering from any Swiss Colony company on credit. I have paid every month. I am paid in full on my Seventh Avenue account. There are no statements on account since XXXX XXXX. Last order was XX/XX/XXXX and last payments XX/XX/XXXX. There are no statements with these payments on my account. I am missing the cross candles. The order was lost and I didn't find the order until after XXXX on rental office porch. Ruined my XXXX but I was honest and let them know I found this order. I had been credited the order. So, recognize I am a very honest person. Thank you XXXX XXXX XX/XX/XXXX I do not like to waste your time but seventh Avenue will not cooperate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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 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. I have attached the necessary documents to support my claim.

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 2023-08-25 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: FL

Complaint narrative:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
hello, the former employer did not confirm my salary check in the bank, because of which my bank account was blocked and then completely closed, due to the fact that he does not answer calls and does not confirm the salary check that he paid me for my work earlier. his phone works, I wrote him requests for his XXXX to confirm this check, but he said that he would not confirm until I publicly apologized to him, and also said that I should sign a paper stating that I had no claims against him and only after that he will confirm this paycheck. I want to clarify when I got a job with him, we did not have such conditions. i have gone many times to the bank they tell me there is nothing they can do and that i have to ask him to confirm the check or find his number to which he will answer, but he does not have another number, he is just trying to create problems for me by blocking my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: WI

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-08-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. Moreover Pursuant 18 USC 8 I DO NOT OWE ANY DEBT TO THESE COMPANYS is violating my consumer rights. Lastly, The credit bureaus are reporting two of the same account negatively XXXX XXXX  XXXX XXXX XXXX XXXX investments. 

XXXX account XXXX XXXX-Account number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-account XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX-account number-XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX-account number- XXXX XXXX XXXX XXXX XXXX-account number-XXXX XXXX-account number-XXXX  Inquiries XXXX XXXX XXXX XXXXXXXX XX/XX/21 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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
On XX/XX/XXXX I did a Mobile deposit to a new USAA checking account # XXXX. The transaction posted on XX/XX/XXXX. This was a check for $ XXXX from XXXX XXXX XXXX XXXX issued on XXXX XXXX XXXX XXXX . Understandably the funds would not be available until transaction cleared. USAA stated that the funds would be arbitrarily held until XXXX. I contacted the bank for an explanation. They would not release the funds for 10 days. This is absurd abuse of banking practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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 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. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account 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 intrusions. 
XXXX. XXXX XXXX XXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. 
XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX Balance Contacted the Buraus to notify not my account. XXXX. DEPTEDXXXX XXXXXX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account XXXX. DEPTEDXXXX XXXX XXXXXXXX Balance Contacted the Buraus to notify not my account. XXXX. DEPTEDXXXX  XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. XXXX. DEPTEDXXXX XXXXXX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account XXXX. DEPTEDXXXX XXXXXX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account 8.DEPTEDXXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate 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 2023-08-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account 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 intrusions. 
XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. 
XXXX. DEPTEDXXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. XXXX. DEPTEDXXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account XXXX. DEPTEDXXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. 5. DEPTEDXXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. XXXX. DEPTEDXXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account XXXX. DEPTEDXXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account 8.DEPTEDXXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate 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 explanation
Consumer complaint received 2023-08-25 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: WI

Complaint narrative:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed 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 2023-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I purchased a car from XXXX XXXX XXXX on XX/XX/XXXX and the car broke down on XX/XX/XXXX. I was given a loaner car which resulted in my son and I being very sick, we stayed in that car until the end of XXXX in which they finally had fixed my car and gave it back to me. I was able to drive my car about XXXX weeks before it started to break down again, the car has been at XXXX XXXX XXXX for about XXXX weeks now unfixed. I rented a car from XXXX XXXX on XX/XX/XXXX in which I just found out that XXXX XXXX XXXX XXXX XXXX XXXX ) owns the rental place as well in XXXX  NC and I was stopped last night when I got off work from XXXX  I was on XXXX XXXX when the police told me that the tags on the XXXX XXXX XXXX were expired and there was a warrant for the owner XXXX XXXX arrest. I returned the car this morning and they tried to get me to pay for the car as well as pay for another car so that I could rent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: WI

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient has been calling me several times per day, morning, afternoon, and evening. I have asked the company numerous times to stop calling me. I have also filed a previous complaint with the CFPB to get Navient to stop calling me, and yet they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
TransUnion responded to CFPB that XXXX XXXX XXXX reporting is not on my credit reports but it is TransUnion XXXX and XXXX should remove XXXX XXXX XXXX  reporting immediately from my credit reports

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 2023-08-25 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: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-25 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:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. I also noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. Also, the student loans are in mandatory deferment so no way to incur a late. As well as how can I get a 90 day late when you never been 30 or 60 days late You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

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 2023-08-25 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: TX

Complaint narrative:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. I also noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. Also, the student loans are in mandatory deferment so no way to incur a late. As well as how can I get a 90 day late when you never been 30 or 60 days late You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XX/XX/2023 I contacted Hunter Warfield , Inc. to discuss a settlement option in order to resolve my debt. I was able to come to an agreement with the agency and which point I was told that no such proof of the agreed upon settlement offer could be provided nor would any receipts of payments made toward their agency be provided. To my knowledge, this a direct violation of XXXX. Additionally, during a follow up conversation with collector, XXXX, did not read the mini XXXX disclosure. To my knowledge, this a direct violation of FDCPA. I would like to resolve my debt with the creditor via Hunter Warfield, but their communication tactics have been unhelpful, unprofessional, and seemingly deceitful.

Company response to consumer: Closed with explanation