vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This company is using unethical tactics to avoid a resolution to my complaint. Their represented told me a lie while on the telephone call while setting up a payment plan. Because of this lie my credit has suffered and this company is not being truthful avoiding fixing the issue. I have tried calling and can get no one on the line with the email sent to me. The company realize my phone number is no listed as do not call. So they are blowing my complaint off. I want this company held responsible for providing false information or I will seek legal representation to subpoena the phone call during the payment plan agreement. This company also had a collection representative answer a phone call without disclosing were were on a recorded line. Which is a collection violation. This company has exhibited unethical behavior over and over and fail to rectify the situation. I guess this company will not understand until legal action is involved. So to avoid this, I asked this company update their reporting with the credit bureaus and remove the 60 day lates. Everything mentioned in this complaint can be found on the company 's phone logs.

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 2022-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX.Acct # 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

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 2022-08-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX.Acct # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: FL

Complaint narrative:
In my letter I stated a company that I had no prior relationship with had accessed my credit file on multiple occasions. Your response was that it was okay since they were not hard inquiries. I would like to stress EQUIFAX RELEASED INFORMATION TWICE TO AN ENTITY I DID NOT HAVE A PRIOR RELATIONSHIP WITH NOR AUTHORIZE THE RELEASE OF INFORMATION TO. I provided exact dates in my letter. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. 
This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

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 2022-08-16 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 — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
American Honda Finance Account # XXXX was NEVER late. Account # XXXX is reporting numerous late when it was NEVER late. XXXX failed to correct these lates numerous times & delete this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, SXXXX XXXX account # XXXX, XXXX XXXX associates account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX have 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

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 2022-08-16 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX associates account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian has not allowed me to file a dispute online although I pay premium pricing to utilize their services. Error message reports were experiencing difficulties and this has been ongoing for 3+ months. Ive called several times and am routed to an online virtual assistant which appears to file the dispute but am notified days later with results being ready, only to open the report only containing a failed request for my credit report. This is beyond frustrating because I have the right to dispute and challenge any inaccuracies reporting to these bureaus such as an incorrect late payment being reported and this company is withholding my consumer rights.

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 2022-08-16 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: EQUIFAX, INC.
State: DE

Complaint narrative:
The credit bureaus are reporting two credit cards on my account. I did not give these company 's my social security number or permission to use and share my information. They have violated my rights as per 15 U.S. code 1681 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: DE

Complaint narrative:
The credit bureaus are reporting two credit cards on my account. I did not give these company 's my social security number or permission to use and share my information. They have violated my rights as per 15 U.S. code 1681 ( a ).

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 2022-08-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX Account # XXXX was NEVER late. Account # XXXX is reporting numerous late when it was NEVER late. Experian failed to correct these lates numerous times & delete this account off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX Account # XXXX was NEVER late. Account # XXXX is reporting numerous late when it was NEVER late. Transunion failed to correct these lates numerous times & delete this account off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
The credit bureaus are reporting two credit cards on my account. I did not give these companies my social security number or permission to use and share my information. They have violated my rights under XXXX5 Y.S. code 1681 ( A ) PLEASE NOTE THAT THE COMPLAINTS NUMBERS : XXXX, XXXX, XXXX, BELONG TO ME. THE SYSTEM BOUNCED MY NAME TO XXXX XXXX BUT WITH ALL MY OTHER INFORMATION.

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 2022-08-16 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: DE

Complaint narrative:
The credit bureaus are reporting two credit cards on my account. I did not give these companies my social security number or permission to use and share my information. They have violated my rights under 15 Y.S. code 1681 ( A ) PLEASE NOTE THAT THE COMPLAINTS NUMBERS : XXXX, XXXX, XXXX, BELONG TO ME. THE SYSTEM BOUNCED MY NAME TO XXXX XXXX BUT WITH ALL MY OTHER INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: DE

Complaint narrative:
The credit bureaus are reporting two credit cards on my account. I did not give these companies my social security number or permission to use and share my information. They have violated my rights under 15 Y.S. code 1681 ( A ) PLEASE NOTE THAT THE COMPLAINTS NUMBERS : XXXX, XXXX, XXXX, BELONG TO ME. THE SYSTEM BOUNCED MY NAME TO XXXX XXXX BUT WITH ALL MY OTHER INFORMATION.

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 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Florida. XXXX XXXX Checking account m/debit card Fraudulent charge at the apple store Claim XXXX Good evening. I am in pure disbelief at the Customer Service I just received from @ wellsfargo # wellsfargo over the phone. My card was stolen and almost {$1300.00} was charged at the @ XXXX  # XXXX XXXX. They are saying it is not proven that I did not make the purchase or allow someone else to make the purchase. I asked to speak with someone else and was told there was no one else available and I need to contact XXXX to be reimbursed. I do not know the store the purchase was made only it was XXXX  products in XXXX XXXX. Now I have to be on a witch hunt to locate this. I will be going to a branch tomorrow and if this is not resolved my accounts, 3 of them, will be closed. I am in complete disbelief over this situation and the Customer service. Wow wow wow. I would like this resolved asap. I am a loyal customer and should not be treated this way. I filed the complaint and the funds were originally placed back into my account. I received a letter yesterday that the funds would be taken out that were stolen from me on XX/XX/2022 because it cant be proven I did not make the purchase and it cant be proven I did not loan my chipped debit card to someone. My cards were stolen. Originally I thought I was in possession of my cards and called back to let them know that the cards were stolen while I was at the gym. They do not have any information regarding this call. I guess it miraculously disappeared. I need help. Please help me.

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 monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
The inquiry was not authorized JPMCB CARD Date of inquiry : XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

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 2022-08-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I called Capital One ( my credit card company ), on XX/XX/2022 to change my legal name after I had gotten married. I spoke with someone named XXXX on the phone, who told me that they could do that and that they would send me a link through email to upload paperwork including IRS tax form W-9 and A copy of my marriage certificate. The email that I got came from the same email that I always got from Capital One. And it appeared to have a secure link attached to it. The link would expire in three days time. I uploaded the documents that same evening. And thought all is well. When I called Capital One about two weeks later, they said that they do not ask for that information through email, nor had they received any of the paperwork that I supposedly sent to them. The information had my name address and Social Security number. It also has my husband Social Security number. And both of our parents names.

Company response to consumer: Closed with explanation