vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 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: OH

Complaint narrative:
I have inquiries on my credit report that I did not authorize that need to be removed listed below. 

XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/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 2024-04-29 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: OH

Complaint narrative:
I have inquiries on my credit report that I did not authorize that need to be removed listed below. 

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-29 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX keeps showing a duplicate from my COMENITYBANK/BREADRWDS that was opened on XX/XX/XXXX, current amount due is {$800.00}. They keep showing this account twice, which is lowering my credit rating. I first filed a dispute with Comenity/Bread Rewards who says they are only reporting the one account once, and that I must go to XXXX to get this fixed. But XXXX keeps opening the dispute and then closing it without correcting the problem. I've disputed this 4 times already they aren't even really looking at it or they would easily see it is a duplicate. ( Same date opened, same exact amount owed, same payment dates ). I've copied and pasted below. The last report number is Report XXXX XXXX. This is really hurting my credit and I don't know who else to report this to since both Breadrewards and XXXX are blaming the other party. 


Account info Account name COMENITYBANK/BREADRWDS Account number XXXX Date opened XX/XX/XXXX Balance {$800.00} Balance updated XX/XX/XXXX Recent payment {$30.00} as of XX/XX/XXXX Monthly payment {$30.00} Original balance {$910.00} Highest balance {$910.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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 wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of 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 non-monetary relief
Consumer complaint received 2024-04-29 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: PA

Complaint narrative:
I am writing to dispute once again several negative items that are inaccurately reported on my credit file. Despite previous attempts to resolve this matter, I have not seen any meaningful action taken to correct these errors. This situation is highly concerning as it adversely affects my creditworthiness and financial standing.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a formal complain against all 3 credit bureaus - TransUnion, XXXX, XXXX. It all started with my identity was stolen and used to create a credit card account with XXXX XXXX XX/XX/XXXX. I learned about the existence of the account when I received a bill in XX/XX/XXXX. I immediately reported fraud to XXXX XXXX, who then closed the account while doing their investigation. I then asked and confirmed that the account was closed in XXXX XXXX. Because I continue to receive a bill from XXXX 's into XX/XX/XXXX despite being told that the account is closed, I filed an Identity Theft report from FTC in early XXXX and mailed the letter and report to all 3 credit agencies. When I applied to a mortgage lender for loan, a credit pull in mid XXXX resulted in my credit score dropped by XXXX points. All 3 credit agencies reported that the derogatory remark was because of the outstanding, XXXX days past-due balance from XXXX 's XXXX despite I have placed an fraud alert and reported it to them. I have since filed a Police Report and submitted it to XXXXXXXX XXXX again , who claimed that they are doing yet another investigation for another 50 days. No credit agencies acknowledge this account is under investigation but " customer closed the account ''. At the end of XX/XX/XXXX, I physically went to XXXX XXXX to pay the balance and prepare to file a dispute in small claims court. Credit agencies bare no responsibilities but ruin my life despite me being a victim of identity theft and did my due diligence to ensure that I did my part to make this as transparent and as fair as I can. As far as I can tell, paying for an outstanding balance created by a perpetrator is not fair, nor do I suffer XXXX points deduction in my credit score. This is literally no way to recover from this nonsense against corporate bullies. FTC identity theft report, police report, evidence, history of credit -- none of those things matter.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a formal complain against all 3 credit bureaus - XXXX, Experian, XXXX. It all started with my identity was stolen and used to create a credit card account with XXXX XXXX XX/XX/XXXX. I learned about the existence of the account when I received a bill in XX/XX/XXXX. I immediately reported fraud to XXXX XXXX, who then closed the account while doing their investigation. I then asked and confirmed that the account was closed in XXXX XXXX. Because I continue to receive a bill from XXXX 's into XX/XX/XXXX despite being told that the account is closed, I filed an Identity Theft report from FTC in early XXXX and mailed the letter and report to all 3 credit agencies. When I applied to a mortgage lender for loan, a credit pull in mid XXXX resulted in my credit score dropped by XXXX points. All 3 credit agencies reported that the derogatory remark was because of the outstanding, +90 days past-due balance from XXXX 's XXXX despite I have placed an fraud alert and reported it to them. I have since filed a Police Report and submitted it to XXXX XXXX again , who claimed that they are doing yet another investigation for another 50 days. No credit agencies acknowledge this account is under investigation but " customer closed the account ''. At the end of XX/XX/XXXX, I physically went to XXXX XXXX to pay the balance and prepare to file a dispute in small claims court. Credit agencies bare no responsibilities but ruin my life despite me being a victim of identity theft and did my due diligence to ensure that I did my part to make this as transparent and as fair as I can. As far as I can tell, paying for an outstanding balance created by a perpetrator is not fair, nor do I suffer XXXX points deduction in my credit score. This is literally no way to recover from this nonsense against corporate bullies. FTC identity theft report, police report, evidence, history of credit -- none of those things matter.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not give this company permission to open an account in my name using my information. I have requested this debt be validated numerous times as it does not belong to me. I also provided a police report and was never provided any proof nor was this account removed upon my request. My attorney would like to pursue arbitration since the company is refusing to remove the account after countless attempts on my own have been overlooked. This has caused undue stress and has affected my life tremendously.

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 2024-04-29 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I did not give this company permission to open an account in my name using my information. I have requested this debt be validated numerous times as it does not belong to me. I also provided a police report and was never provided any proof nor was this account removed upon my request. My attorney would like to pursue arbitration since the company is refusing to remove the account after countless attempts on my own have been overlooked. This has caused undue stress and has affected my life tremendously.

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 2024-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mercedes Benz Financial Services
State: MA

Complaint narrative:
Reference # : XXXX Account Number : XXXX Dear Sir/Madam, I am writing to dispute the validity of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 U.S. Code 1692g. 

Firstly, I request validation of the creditor 's name associated with this account, as mandated by 15 U.S. Code 1692g ( a ) ( 2 ). 

Additionally, I am exercising my right under 15 U.S. Code 1692g ( a ) ( 1 ) to request clarification on the amount of the alleged debt and how it was calculated. As of the provided date, XX/XX/2023, the amount stated as owed is {$10000.00}. However, the subsequent increase in the total amount to {$14000.00} includes fees of {$3700.00} without any explanation or breakdown of these charges. Therefore, I require a detailed breakdown of all charges and fees applied to this debt. 

Furthermore, I remind you of the provisions outlined in 15 U.S. Code 1692e, which prohibits false or misleading representations in debt collection practices. It is imperative that all communications and actions concerning this debt adhere strictly to the guidelines set forth in the FDCPA. 

I request that you provide the requested information within 30 days of the receipt of this letter. Failure to do so may result in further actions to protect my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: WA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally address an issue that has persisted with my business banking services at Truist. Over the past year, I have noticed an increasing frequency of high account fees, including overdraft and XXXX transaction charges. Despite my discussions with multiple customer service representatives, I have been told that nothing can be done to adjust these fees. 

As a loyal client who not only maintains a business account but also a business credit card, generating substantial business, I am disappointed with the lack of consideration given to my situation. It is hard to believe that Truist would overlook the value of maintaining a positive relationship with its clients. 

Therefore, I request a thorough review of my account charges and seek appropriate compensation for the fees I believe were unjustly applied. I appreciate your attention to this matter and look forward to your prompt response.

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 2024-04-29 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: AZ

Complaint narrative:
I made full payment the was reporting me as late payment I called them the said the cant do anything I would like to get removed out of my Credit bureau it was XXXX balance and o paid XXXX with interest fees total date of closed account was on XX/XX/year>

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 2024-04-29 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:
I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots 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 non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
At the present time i have read that you can request a free report from each bureau every week.Yet everytime i go on the annual credit report website sometimes i can get one from experian and sometimes says i already have gotten it even though i had not.Then when i go to the next bureau it says i already have them all.Also when i try and login on their website experian mixes up my user name and email with my wifes and i spend hours trying to reset my password and its just in a circle.I had my info lost in the att data breach and i am supposed to get experians id service for free i got registered but can not access my account for the reasons i just mentioned, you can not get through to them on the phone spent a couple hours todayThese people should not be in charge of important consumer info like credit information.I am XXXX and they have never gotten any better to deal with since i was 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