vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX - account # XXXX has violated my rights.

15 U.S.C 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 hand written instructions.

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 2024-04-23 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX - account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: IL

Complaint narrative:
I am writing to dispute unauthorized inquiries that are still appearing on my credit report. Despite previous attempts to address this issue, the unauthorized inquiries remain listed, negatively impacting my creditworthiness and financial standing. 

I wish to emphasize that I did not authorize these inquiries nor did I have any prior relationship with the entities listed. This unauthorized activity has significantly affected my credit score and financial well-being, and it is imperative that it is promptly addressed. 

I assert that the continued presence of these unauthorized inquiries on my credit report violates the Fair Credit Reporting Act ( FCRA ), particularly : XXXX. Section 604 - Permissible Purposes of Consumer Reports : Unauthorized inquiries violate the permissible purposes outlined in the FCRA for accessing consumer reports. 
XXXX. Section 611 ( a ) ( 1 ) ( A ) - Accuracy of Information : The information provided by your agency regarding the unauthorized inquiries is inaccurate and misleading, as I have provided evidence proving them to be unauthorized. 
XXXX. Section 623 ( a ) ( 2 ) - Duty to Correct and Update Information : Your agency has failed to correct the inaccurate reporting despite my previous disputes and documentation provided, which is a violation of your duty under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Charges were made as follows on my HSBC credit card : XX/XX/23 XXXX XXXX XX/XX/23 XXXX XXXX For a total of {$52.00} Years ago I had setup autopay from my bank account to pay the full balance due on this credit card monthly. For reasons known only to HSBC they did not use that system and then declared me delinquent and a nonpayor. I promptly paid the total of {$52.00} to them and can prove it. Nonetheless, HSBC started piling on late fees, delinquency fees, etc. and has now made very negative credit reporting on me, lowering my credit score substantially even though I have decades of perfect credit. They are lying and saying I did not pay when, in fact, I did. I want them to reverse and withdraw their negative credit reporting since I paid the balance in full after I saw they did not use autopay. 

Furthermore, in what I believe to be a completely illegal and unethical move, they seized and removed points I had accumulated as a longtime credit card customer and had put in my XXXX account. These amounted to more than {$200.00} I have been unable to use on purchases from XXXX. These " points '' have nothing to do with my credit card as these points were earned through years of charges on my HSBC credit card and were to be available to me but HSBC just arbitrarily took them away. It is like they stole my money. These points should be restored in full.

I wrote an HSBC a detailed letter ( paper letter ) in XX/XX/23 and they have never responded 4 months later. They have ignored me. But they have substantially impacted my credit negatively and stolen points from my XXXX account. They should be ordered to correct negative credit reports and restore my points that I earned. I suggest they be fined for dishonest and unethical practices as well. They are way out of line with this simple matter in which I PAID THEM IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
I purchased a vehicle from XXXX XXXX " IN HOUSE ''. I never signed any paperwork allowing XXXX XXXX or XXXX XXXX XXXX XXXX to report this purchase or payments to my credit report. Per U.S. Code 15 1681a 2, I did not give this company written permission to have the account furnished on my credit report. As I stated this was an agreement " In House ''. XXXX has many lawsuits against him. Has many complaints for selling faulty, junk, no good cars. He is a scammer. I paid him on time for about 4 months until the car stated to break down and have major problems. I called him multiple times and he avoided me until I told him I was no longer going to pay him because the car left me stranded on the way to XXXX XXXX and I had to pay for a tow and a rental car. Every time I would fix something, something else would break.Multiple mechanics stated i purchased a lemon. Nonetheless, my contract was in house and was not credit based. I want this removed and I will be taking legal action against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My ID was stolen on XX/XX/2023 by individuals that opened many credit cards and lines, obtained information like my social, and rented out a car from XXXX at XXXX and were involves in an accident that took place on XX/XX/2023. I tried working with XXXX XXXX, XXXX XXXX, and XXXX XXXX but unsuccessful as the police report can not be released due to it being " confidential '' information and an active investigation. I received collections letters from firm representing the individuals involved with the defendants accident ( {$XXXX} ). I was able to close the credit lines and carss but they still show up on my credit report even though i disputed them ( XXXX and XXXX ; i have not been able to send a dispute to XXXX ). The defendants also added false information to my credit report like phone numbers, names and addresses. Most of the hard inquiries are from synchrony bank and i tried disputing with them but was unsuccessful.

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 2024-04-23 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: CT

Complaint narrative:
I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts, XXXX  Account Number XXXX, XXXX account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, are not complete and accurate. 

[ XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX account # XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX account # XXXX open date is not reporting correctly, date last active, date of last payment is not correct, balance is different on on all XXXX credit bureau this account is not accurate XXXX XXXX  account # XXXX This account information is not accurate. 

XXXX XXXX associate account # XXXX this account information is not accurate open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 
XXXX XXXX XXXX account # XXXX, this account is not 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 2024-04-23 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: TX

Complaint narrative:
According to the equitable Credit Reporting Act ( 15 U.S. Code 1681 ) : ( 1 ) Accurate and equitable credit reporting is essential for the functioning of the banking system. The integrity of the banking system is directly compromised when inaccurate credit reports are utilized, and unjust credit reporting practices erode public confidence, which is vital to the system 's continued operation. 

Consequently, any violation of the FCRA has a detrimental impact on the operational effectiveness of the banking system. This constitutes a breach of my privacy regarding my consumer report, as I have the ability to determine which information is included and which is excluded. Reporting any accounts without obtaining my written assent constitutes an act of identity theft.

Both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 are violated by this. This results in civil liability for negligent and willful noncompliance with 15 U.S. Code 1681n against the credit reporting agency for accounts listed without my express written consent. The penalty for each violation is {$1000.00}.

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 non-monetary relief
Consumer complaint received 2024-04-23 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: TX

Complaint narrative:
I do not have permission to authorize or benefit from the account described below. They must be stopped and demolished. Please remove all phony and erroneous accounts from my consumer report that i am unaware of as a result of the XXXX XXXX and XXXX data breaches and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX : I sent a letter to First Financial Asset Management 35 days ago located at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : ( XX/XX/XXXX ) Alleged Original Creditor : ( XXXX XXXX XXXX {$1000.00} Now under The Fair Credit Reporting Act ( FCRA ) 1682G ( B ) - Which states I have the right to request the proof of the Chain of Title of Ownership of any alleged debt reported on my credit reports. It also goes on to say that if the debt was aquired by a debt buyer ( First Financial Asset Management ) like a collection company then they have to be able to provide proof of Chain of Ownership from the Original Creditor all the way to the current owner. 

In my letter it also states that a billing statement, notice, or any unsigned document is not verification of the alleged debt. First Financial Asset Management has failed to provide me with the required documentation requested and has NOT complied with my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
There is not a box to check for this problem. 

On XX/XX/2024 I made a purchase at Macy 's XXXX XXXX in XXXX. The sales associate was clicking away on the authorization keypad. I told her I did not want a Macy 's American Express card. She kept clicking while telling me I would not get one. Several weeks later it arrived in the mail. I have spoken with Macy 's customer service 8-10 times to no avail. I have sent a letter to the store manager. I have spoke to their we care department. I was told I my Macy 's account can not be reopend. I have cancelled the Macy 's American Express card.

Isn't it illegal to open a card without permission.

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 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: King of Credit Financial, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX I rented a car from Dollar Car Rental in XXXX XXXX. I turned down the supplemental liability insurance offered to me at the counter in XXXX. After returning the car I found that they had billed me for the insurance anyway, in the amount of {$110.00}. After several unsuccessful attempts to resolve this with Dollar customer service, I disputed the charge with my credit card company ( XXXXXXXX XXXX ). On XX/XX/XXXX I received a letter from XXXXXXXX XXXX advising me that they had successfully resolved the disputed amount in my favor. They advised me that the amount of {$110.00} was permanently removed from my account/billing statement. Despite this, I continued to receive bills from Dollar in the amount of {$110.00}. I tried three times to explain this to Dollar customer service but was unsuccessful. I wrote a letter to Dollar ( actually XXXX XXXX who owns Dollar ) explaining the problem but never received a response. On XX/XX/XXXX I received a letter from Dollar suspending my rental privileges. On XX/XX/XXXX and again on XXXX/XXXX I received emails from XXXX XXXX, a debt collector, explaining that they were attempting to collect the {$110.00} on behalf of Dollar Car Rental. As requested I contacted XXXX and explained that the disputed amount had been resolved in my favor. They requested and I provided them the resolution letter from XXXX Bank. About the same time I filed a complaint against Dollar with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted Dollar three times attempting to resolve the issue but could not and today ( XX/XX/XXXX ) XXXX  advised me they could no longer help and were closing the complaint. I have called XXXX twice in the last month requesting an update and they advised me that they too were having problems contacting Dollar to discuss. 
So, last XXXX someone at Dollar agreed with my CC company ( XXXX ) that a mistake was made and I was no longer responsible for the {$110.00}. Apparently someone at Dollar didnt pass the word to their billing department and now the issue is with a debt collection company. By the way, the remainder of the rental bill ( approx {$260.00} ) was paid in full to Dollar. They disputed amount was only for supplemental insurance coverage which was never used. Today, I no longer have rental privileges with Dollar, XXXX and XXXX car rental. More importantly I am concerned that my credit rating may be effected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: CA

Complaint narrative:
I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate items that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to 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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
American Express Hilton Surpass card did not post my reward points to my Hilton account. I expected to have more than XXXX points to post to my Hilton rewards to make a reservation on a Hilton property. The same issue happened to me in XXXX of XXXX  and they were very slow to respond. It took over XXXX month to reach a supervisor to correct the issue. I do not have this time and they are unable to award me the points I earned to make the needed reservation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: NY

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-04-23 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: PA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-23 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been attempting to cancel my extended warranty and gap insurance on my XXXX XXXX that I bought from XXXX XXXX. I bought the car XX/XX/XXXX, and have been attempting to cancel these services since XX/XX/XXXX and have made no progress. I have driven to the dealership multiple times and have been turned away, and have called everyday for the past XXXX days, in addition to several times before this and have been promised an email to cancel the documents that has never been delivered. The phone number I have been calling is ( XXXX ) XXXX. I have been speaking to XXXX and XXXX in the finance department. 
I was trying to cancel my services within the first 30 days to get a full refund, but the dealership did not allow me to do so. I have been unable to cancel these at all, and am frustrated because I do not want to pay for them anymore. 
I financed through Chase Auto Loans and called when trying to cancel my products and informed Chase I did not want these products and wished to cancel. Chase said they could cancel these products. When I followed up with Chase when these products were not cancelled, they informed me that I would have to cancel through the dealership and they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
On XX/XX/2024 XXXX and XXXX, I placed two calls to New American Funding to cancel my loan application. I had kindly asked to speak the loan officer I was working with, XXXX XXXX but was told by the person, assuming XXXX XXXX who answered she was not available and was reassured that my application will be cancelled. I even called back the same day, to confirm with different woman that my application was terminated. I had emailed that same day as well to confirm that action was taken in place, but never received a follow up email. 

XX/XX/2024 @ XXXX, to my shock I see that a hard inquiry was pulled by New American Funding XXXX I immediately called the loan officer XXXX XXXX who informs me that she was not aware of that call or my application being closed, and that she is unable to reverse/undo what she has already done. 

I had called all XXXX who said that New American Funding will need to contact all Credit agencies and submit a mistake was made. I wish them to do the right thing and am reaching out for any help on this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation