vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
This problem is with cashapp.I was in XXXX, me and my friends used a taxi to the airport, the taxi driver first used my friend card which came to XXXX $ he claimed it didnt work which it actually did and then proceeded to use mine but charged my card 3 times for the amounts of XXXX, XXXX and the other one for {$1900.00} on XX/XX/2023! And I didnt noticed till I got back home in the U.S I disputed this through cashapp because I did not authorize this man to do so and cashapp denied my transaction, this literally hurts my soul because I dont even have a lot and they took all my money and as I told cashapp I have never even disputed anything ever. Also too I can not get in touch with the merchant because its not attached to a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am writing to request that the negative items listed below be removed from my credit report immediately. The negative items are as follows : XXXX XXXX XXXX, and XXXX. 

As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) recently suffered a major data breach, which has put consumers ' sensitive financial information at risk. Due to this breach, I have reason to believe that the negative items on my credit report may not be accurate, and I request that they be removed as soon as possible.

I also want to bring to your attention that the continued reporting of these negative items may be in violation of US Code 1681 I, which requires that credit reporting agencies only report information that is accurate and verifiable. Given the potential inaccuracies caused by the CFPB breach, I believe that it is appropriate to remove these negative items from my credit report. 

I hope that you will take prompt action to investigate these negative items and remove them from my credit report if they are found to be inaccurate. Please inform me of your findings and any actions taken to correct my credit report. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed XXXX automotive with XXXX, TransUnion, and XXXX. They have charged off my account in XXXX and again in XXXX causing my score to drop and keeping the account on my profile for an additional 7 years

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed XXXX automotive with XXXX, XXXX, and equifax. They have charged off my account in XXXX and again in XXXX causing my score to drop and keeping the account on my profile for an additional 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Visited a XXXX XXXX mattress store and was approved for a credit limit of {$8000.00} via Synchrony bank. After careful consideration, I decided against a XXXX XXXX product and visited a XXXX XXXX mattress to use my {$8000.00} synchrony credit only to be denied. I was encouraged to file an application for credit with Synchrony via XXXX XXXX only to have my credit denied! A week and a half after, I visit another mattress store Mattress Firm, again financed through Synchrony. I explained my dilemma and was asked to apply once more only to have my credit declined! It seems synchrony is applying consumer punishment for failing to purchase through their partner at XXXX XXXX. 
I am also yet to receive their reason for their continued denial. 

Is this not a violation of the Fair Credit Act? Please advise. 
A very disappointed Synchrony customer, 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 explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XX/XX/2022, I entered a Macys holiday contest via XXXX. The prize was {$5000.00}. In XXXX I noticed a credit to my macys account for {$5000.00}. I called customer service to inquire. The representative stated he was unsure but that credit is correct to my account. I called my banking institution as they had recently consolidated a my Macys account. They confirmed it wasnt an overpayment on their end. So I honestly thought I won the holiday contest. 
Months later I get an alert of a reverse charge by Macys. The funds that were deposited to my account was an error of their employees. With that being their error they have charged late fees as well as interest. They have also impacted my credit rating. My Macys credit is XXXX My report reflects that Ive spent XXXX XXXX of my account limit.

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
See Attachments. And remove negative accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I.C. System Inc. Attempted to collect a debt on behalf of XXXX XXXX XXXX XXXX. The amount owed to XXXX XXXX XXXX before being passed to I.C. System IncXXXX was {$390.00}. I.C. System claimed a debt of {$1700.00}. After receiving notice from the Debt Collector I confirmed the real amount owed with XXXX XXXX XXXX who confirmed the {$390.00} was the correct amount. When contacting I.C. System Inc. and relaying the correct amount, the customer service agent said they saw the same numbers and had " been given the wrong number '' by XXXX XXXX XXXX. The Debt Collector said they would be adjusting the amount to the correct number and re-issuing the bill. It seems clear they attempted to get more money than what was actually owed until challenged. The medical service was rendered XX/XX/XXXX, the final statement was issued XX/XX/XXXX and the debt collection bill was sent XX/XX/XXXX, the conversations with both parties happened 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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Dear Experian, THE FOLLOWING CLAIMS INJURIOUSLY REPORTED VERSUS ME FAIL TO MEET MINIMAL FEDERAL REQUIREMENTS TO REPORT LEGALLY SO I HERE NOW ENACT MY CONSUMER RIGHT TO CONTEST AGAIN THE REPORT-ABILITY OF EACH NOTED UNCONFIRMED CLAIM BELOW AND MY CHALLENGE IS FOR THE DEMONSTRATION OF THE FACTUAL AND TESTIFIABLE CERTIFIED COMPLIANT REPORTING PROCESS AND THAT THE MANDATED ADHERENCE TO THE PERFECT " METRO 2 '' FORMATTED REPORTING STANDARD WAS IN FACT OBEYED!! ANY DEVIATION INCLUDING OMMITANCE OF REQUIREMENTS, BRINGS TO CONCERN REPORTING OF INFORMATION NOT ETHICALLY AND OR EVEN UNLAWFULLY DONE SO! 

PLEASE DELETE BELOW INVALID ACCOUNTS : XXXX  XXXX XXXX XXXX - INVALID ACCOUNT, DELETE NOW, BECAUSE YOU ARE ILLEGALLY REPORTING " UNKNOWN PAYMENT HISTORY '', PLUS YOU ARE ILLEGALLY REPORTING NO PAYMENT HISTORY AT ALL. 
YOU ARE ALSO ILLEGALLY REPORTING STATUS OF ACCOUNT AS " NO STATUS '' AS WELL AS ILLEGALLY REPORTING " NO BALANCE '' INFORMATION YOU ARE ALSO VIOLATING METRO 2 STANDARD BY NOT REPORTING THE " ACCOUNT TYPE '' AND THE " ORIGINAL BALANCE '' XXXX XXXX XXXX XXXX PLEASE DELETE THIS ACCOUNT NOW BECAUSE YOU ARE ILLEGALLY REPORTING ALLEGED, UNPROVEN, UNVERIFIED AND INACCURATE LATE PAYMENTS.

YOU ARE VIOLATING METRO 2 STANDARD REPORTING, BY NOT REPORTING ANY BALANCE INFORMATION, OR ANY BALANCE UPDATED PAYMENT INFORMATION. 
YOU ARE ALSO NOT REPORTING THE MONTHLY PAYMENT. 

IN ACCORDANCE WITH THE FCRA SECTION 611 ( 15 U.S.C 1681 ( I ) AND IN ACCORDANCE WITH THE ACCEPTED OF METRO 2 DATA FIELD REPORTING, I AM HERE NOW ENACTING MY RIGHT ( S ) TO CONTEST QUESTIONABLE AND OR CLAIMS ALLEGED, YET STILL UNPROVEN TO BE EACH TRUE, CORRECT, DOCUMENTED AS VALIDATED AND OR ELSEWISE UNDENIABLY CERTIFIED COMPLIANT INFORMATION INCLUDED ON MY PERSONAL XXXX CONSUMER CREDIT REPORT. PLEASE STOP REPORTING ANY ALLEGATION OF DEROGATORINESS AND OR DELINQUENCY WITHOUT FACTUAL DOCUMENT PROOF. 
PER FEDERAL AND APPLICABLE REPORTING LAWS OF MY STATE, YOU MUST REPORT WITH GREATEST COMPLIANCE AND ACCURACY. 
I REQUEST AGAIN PHYSICAL AND DOCUMENTED PROOF OF YOUR ADEQUATE INVESTIGATION AND THEN PLEASE SEND ME MY UPDATED PERSONAL CREDIT REPORT FOLLOWING YOUR CORRECTIONS. THANK YOU

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, 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:
There is an account being reported from XXXX XXXX XXXX with account # XXXX date opened XX/XX/2019 closed with XXXX balance. Please delete this from my name it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
We test-drove a used vehicle from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX XXXX, VA on XX/XX/2023. We liked the car, and made a deal based upon a written guarantee that the dealer would replace the infotainment system. We put {$4000.00} down in cash. We had told them, up front, that we could buy it for cash. 
Their loan " officer '' drew up a contract, but failed to even ask us if we wanted a : loan, " Service Contract '' ( {$2500.00} ) nor did he discuss : Loan terms, loan rates or length of the loan. He quickly ran us through the details of the Buyer 's Order and asked us to sign, etc.

Later that same evening, we examined the contract and realized that this company is one of those infamous used car dealers who thrive on exorbitant loans and quickly repossess the vehicle ( s ) as soon as ONE payment is missed, so that they can sell it to the next suckers. Over and over. 
I had texted the general manager of the dealership : XXXX XXXX, on both numbers : XXXX and XXXX that night. I had already looked the CFPB up and told XXXX XXXX the deal was off unless he cancelled the loan from Consumer Acceptance Corporation " XXXX  ''. Primarily, because XXXX XXXX ( loan agent ) did not ASK us if we even wanted a loan, much less a warranty, plus the details above. He agreed to cancel the loan, and later told me that he had called XXXX  and that they would send him papers acknowledging that the loan was cancelled. We have not received any proof that this has actually been done. 
We returned to the dealer, with {$5000.00} CASH, on XX/XX/2023 and bought the car, and drove it home. Bill of CASH Sale in hand. Today, XX/XX/2023, I found a XXXX for the first payment to XXXX in the mail. See attached. 
I immediately called XXXX  today, and spoke with " XXXX '', and I offered to send her a scan of the CASH Buyer 's Order, but she ( XXXX XXXX said that would not be necessary. She checked with their Verification Dept. who stated no request had been made by XXXX XXXX or anyone else at XXXX XXXX XXXX. I then called XXXX XXXX XXXX again ) and he assured me ( again ) that he would call XXXX, etc. 
I have not heard from him since and sent him an e-mail with my concerns. He has not responded to that either. 
I researched Consumer Acceptance Corporation and their " Service Contract '' " company '' and found nothing but complaints about both from many consumers.

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, 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: AR

Complaint narrative:
See Attachments. And remove negative accounts.

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 2023-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
This account is result from Identity Theft! I did not open up this account. I sent this company my FTC report letting them know this is a fraudulent account along with the address attached to it which is on the the FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

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. 
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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
CREDIT ACCEPTANCE CORPOR CALL THEM TO SEE WHO OPEN AN AUTO LOAN IN MY NAME I REQUESTED THEY DELETE IT NO REPLIES BACK

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 2023-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
Sent a letter to Collectech Diversified , Inc. through certified mail to : Collectech Diversified , Inc . 
XXXX XXXX XXXX XXXX TX XXXX In the letter I requested the original purchase agreement that shows they are the legal owner of this alleged debt and to include all the terms and conditions that are included in this purchase agreement. It's been over 30 days since and they still have not mailed this information to me. I mailed my certified letter on XX/XX/, and it was delivered to their office on 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 explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Torriere Holdings INC
State: TX

Complaint narrative:
I am not sure what this debt is about. Its for {$1900.00}. I just recently retired in XXXX and I paid all the bills that I knew that I had. I do not know anything about this one I need more information, I have not been over paid or are those saying so I need more information about this. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I received a alert on my XXXX credit report that I was flagged in collections for {$860.00} I call the number provided and talked to a guy by the name of XXXX XXXX he stated that I had an account from XXXX XXXX I explained to him that I never had XXXX XXXX XXXX account from XXXX  XXXX and he told me we can handle it for {$400.00} he also said I lived at XXXX XXXX XXXX and they sent letters to a address that belonged to me that was XXXX XXXX  XXXX XXXX XXXX ga I let him know I have never lived there that I lived at my current address at those times I asked for a contact at witch he said he cant provide that there was no contact he wanted me to send him my Id and other information I then again explained to him that they had the wrong person Ive never lived in those places that I lived at my current address at that time and that I received disability and cant afford XXXX XXXX.That they have the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have always made timely payments and never missed a payment. This mistake is causing me significant stress and anxiety, and it is affecting my ability to sleep properly. I kindly request that you update my account as soon as possible to reflect my accurate payment history.

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