vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX OF XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-02-20 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: CA

Complaint narrative:
I was a XXXX of identity theft I have contacted all three credit buerues and they still have not taken down the accounts open fraudulent by law they should've taken it down so it wouldn't be affect my credit score any longer I am now reporting it here as well and I have done a police report and also with the the federal trade commission as well

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 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I paid for my car insurance however it still said it declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank slate credit card They provided the closeout amount for XX/XX/XXXX. We paid that amount. 

Now they want some more interest Ignoring the fact that we asked them for the closeout amount for XX/XX/XXXX and thats what we paid

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-20 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: GA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-02-20 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I went to the XXXX store on XXXX XXXX XXXX XXXX New York, NY XXXX XX/XX/XXXX. I received a letter post date XX/XX/XXXX, states I applied for a XXXX XXXX XXXX XXXX by XXXX XXXX XXXX. The letter states I was denied due to my personal reasons which I knew I never wanted a credit card. The day the sales rep ran my credit, she told me she wanted to see if I had any discounts or credit card on my account and I explicitly told her No I have cash to pay for my items I wanted at the cash register. She ignored my request and told me to input my birthday in the kiosk so she can see if I can get a discount. She wanted to use credit to pay for my $ XXXX dollars items. I paid for my items with cash and immediately seen a notification of a hard inquiry on my credit report. I requested more information from her and she said thats not a credit pull she did. I dont have to be concerned. She illegally open a credit card and my credit was denied in which it impacted my credit. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MRS BPO, LLC
State: GA

Complaint narrative:
Debt collector reached out to my father via text message and shared the amount of my debt, who the debt was owed to, as well as the settlement options. They reached out to my father without my consent and shared this information, violating my privacy, and without even confirming who they were reaching out to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
I sent the letter certified mail to Exeter financial corporation. The company responded instructing me not to send any more fraudulent documentation, as if they werent interested in resolving my complaint. Pursuant to the fair credit reporting back section 623 subsection ( 8 ) ( D ) The specific information is derogatory in nature. Exeter auto account XXXX. Exeter finance was required to notify me prior to or no later than 30 days after furnishing negative information to this consumer reporting agencies in writing that such furnishing of information was going to take place. This notification is required under the FCRA section 623 subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation they complied with this requirement. Therefore the continued reporting of negative information to the Credit agencies and connection with the above mentioned account may constitute furnishing a false information with malice, intent to injury me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/year> a merchant held {$75.00} towards a hotel room. On XX/XX/year> the hold was released as I checked out. I submitted an invoice to cash app proving the {$75.00} was released and my balance was XXXX after a {$310.00} payment which is cleared no issue. They refuse to release {$75.00} back on cash app claiming the merchant is holding it. They asked for a copy of the invoice showing a zero balance I gave them that!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have called customer service twice and spoken with two different representatives, neither of who was able to resolve my problem. I am unable to log into my account. When I try to log in I get a message " your account has been temporarily '' suspended. The last customer service representative said she would escalate my issue and that I would receive a follow-up email from Transunion. I have not received the email nor any updates. 

I then tried contacting customer service via XXXX XXXX as directed on the Transunion website. I filled out the requested form, but again no response from customer service. This has been going on for days with no resolution and no follow-up.

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 2025-02-20 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
I received a letter from a debt collector for XXXX. I do not owe XXXX anything. I called XXXX. I didn't want to call the number on the letter because I didn't trust it is legit. The person I spoke with at XXXX in XXXX XXXX Florida said XXXX does not use debt collectors. She said it is probably a scam. I tried to call XXXX Customer service I was unable to get through due to the voice prompts didn't give this option. I requested to speak by chat on the XXXX Contact page. This chatbot said to contact the FTC. The FTC said to contact the 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 2025-02-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
After sending the XXXX XXXX XXXX of complaint about CNAC of XXXX Iowa XXXX XXXXXXXX XXXX XXXX loan office they replied the stating that they will remove the XXXX loan off my credit report as of today there's still {$8000.00} on my credit report they received XXXX some odd dollars on the total loss of the vehicle from XXXX XXXX XXXX XXXX and they said they will cover the rest of the odd loan because I paid close to {$4000.00} in payments on the loan and it comes out to be a XXXX vehicle that I paid {$13000.00} price tag on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Incorrectly Reported Collection Account XXXX XXXX, XXXX Dear TransUnion Dispute Team, I am writing to formally dispute the reporting of a collection account on my credit report. The account in question is with XXXX XXXX, XXXX, and it is being incorrectly reported as open on my credit file. This is inaccurate and should be corrected or removed immediately. 

Under the Fair Credit Reporting Act ( FCRA ), all information on a credit report must be accurate and up to date. Since this collection account is not an open account, its current reporting is incorrect. I am requesting that TransUnion investigate this matter and update my credit report accordingly by either correcting the account status or removing it entirely if the reporting is invalid. 

I have attached the following supporting documents for verification : A copy of my identification A utility bill for address verification A copy of my credit report highlighting the incorrect entry I request a written response confirming the resolution of this matter. Please contact me at ( XXXX ) XXXX or XXXX if further information is needed. 

Thank you for your prompt attention to this issue. 

Sincerely, 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 2025-02-20 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-20 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year> I went to a Bank of America and deposited a {$450.00} check from the New Jersey XXXX XXXX credit along with {$460.00} in cash. The check was placed on hold and set to clear on XX/XX/year>. The following week I noticed that the check did not clear and I contacted customer service at Bank of America about 3 times that weeks and spoke with XXXX different managers who recognized that the check was taken off hold twice then placed back on hold, then the funds for the check was missing. The second manager directed an agent at the bank whom she supervised to place a {$450.00} credit on my account for the deposited check. On or about XX/XX/year> the funds for the {$450.00} was taken back out of my checking account. I then went into a branch in which it was also recognized that the {$450.00} check from the State of New Jersey shown posted, but the funds were missing. The representative at the branch contacted the investigations department with Bank of America and he stated that the {$450.00} check was missing when the checks were removed from the atm and was directed to fax a copy of the check and write a note to reconsider placing the {$450.00} back into my checking account. This transaction was disputed XXXX XXXX XXXX after the incident began and it caused issues with accounts I made payments on with my checking account. I asked to have my account researched for that time and to properly add and subtract the amounts including the {$450.00} and all I am being told that the check posted but not cashed. I am asking for assistance in this matter. 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 2025-02-20 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with 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 2025-02-20 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: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with 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 2025-02-20 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: MD

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2025-02-20 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: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive been dealing with the effects of unauthorized inquiries from your company on my credit report, and its been a constant source of frustration.

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