vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased floors at the XXXX XXXX and got a 26 months promotional period with 0 interest. They use Synchrony Bank as their financial institution. However, soon after my purchase, they closed my account without any notice or reasonable reason since I was making payments on time. I had my account on auto debit from my bank account. Since my account was closed, I did not log into it and the payments kept on posting in my account. They sent me monthly emails with a reminder to make a payment, but never, not even once, they sent a reminder of my promotional period ending. Since it was on auto debit, I did not log in to make payments or check on the account. The promotional period ended and they charged me {$2000.00} for a {$3500.00} purchase. I called them asking to wave the interest charges and they refused to do so. Then I asked why the interest was so high since I was making payments and had only {$1500.00} left to pay. They said it was prorated charges. I asked if they took under consideration the payments that were made and the representative told me that that's how the math is done. They completely disregarded all the payments I had made. I even offered to make a payment of the full amount that was left to be paid if they could wave the interest charges and they refused to do so. Now, on top of the {$1500.00} I owed, they added {$2000.00} interest and are charging 29.9 % interest on top of it all which is about {$85.00} a month. It is abusive and they should be prohibited from operating in the US.

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 2024-03-18 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: PA

Complaint narrative:
I checked my credit report and I can still see the Fraudulent information that I was requesting to get deleted. This information is damaging my credit and it's affecting my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.

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 2024-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
I received a letter ( dated XX/XX/XXXX ) offering a settlement payoff amount for my XXXX XXXX XXXX. The offer was valid for XXXX after the date of the letter. On XX/XX/XXXX, I made the initial payment of {$2500.00}. The following day ( XX/XX/XXXX ) my transaction history had shown the account as paid off and closed. Since XX/XX/XXXX, I was in contact with customer service representatives on numerous occasions inquiring the timeline of when I could expect to receive the title. I was informed I would receive the title in the mail by XX/XX/XXXX. However, On Sunday XX/XX/XXXX, my account with Credit acceptance listed my account as open and a total due of {$30000.00}. I called to speak with customer service on Monday XX/XX/XXXX, trying to figure out why the account was opened back up after I have proof and paperwork it was closed, and they told me I would not be receiving my car title and the only reason they could give me as to why was " mistakes happen ''. I have been working with this company over a month and ensured I would not only receive my title, but the account was closed and " paid in full ''. I was also ensured that all of this was notated in the account transcripts on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-18 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: NJ

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 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: MS

Complaint narrative:
Checks was deposited into my account without my knowledge, XXXX XXXX  XXXX is reporting this information to consumers which leading to not being able to open accounts. I need it deleted from my profile. Early warning

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: DC

Complaint narrative:
I did not authorize these inquiries and strongly suspect they are not legitimate. I urge you to conduct a thorough investigation and promptly remove them from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TriVerity, Inc.
State: TX

Complaint narrative:
On XXXX XXXX XXXX XXXX  I received a call from a debt collector alerting me that I'm grossly overdue for a personal loan I took back in XX/XX/XXXX. The financial institution is XXXX XXXX XXXX Based out of Minnesota. While I used to live in the state I was living in Alaska at the time the Loan was pulled. The Way I'm Affiliated with XXXX XXXX XXXX is they used to finance XXXX of my vehicles, a XXXX XXXX XXXX. This auto loan was paid off by a bank called XXXX XXXX XXXX in XXXX put into action by XXXX XXXX XXXX Alaska when I traded my truck in. XXXX XXXX XXXX XXXX paid this pay off by XXXX XXXX The suspect pulled a XXXX $ line of credit through XXXX in my name and immediately made a cash advance of XXXX $ in to XXXX XXXX  saving account. Suspect used this money to pay utility and credit card bills. The address attached to this activity is XXXX XXXX XXXX, XXXX, MN, XXXX. I am in no way shape or form associated with this address. This loan went to collections in XX/XX/XXXX. Now being XX/XX/XXXX not a single payment has been made. The debt collector was looking for a payment from me in the amount of XXXX XXXX The reason this isn't an even XXXX $ is because XXXX garnished my account an took the over payment that was sitting in my savings account. Upon further investigation I've found XXXX different hard inquiry and lines of credit on my credit report that do not match my activity. The debt collector that called me if from a company called Triverity. Since XXXX of XXXX my credit score has dropped XXXX point. I need help asap to freeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: IL

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage.

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 2024-03-18 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I asked the company Citi Card to reopen my account because they had closed my account recently due to nonpayment because I was getting behind on my payments. 
They then said that I was on the computer trying to reactivate my account by saying that I had made payment arrangements in XXXX which I know I did not do they are making this up. I know what I did and did not do. I did not sign anything I did not Ask them to reopen it up and XXXX. I did however receive a closure account in the mail but before I could respond, I was very ill and almost had XXXX XXXX. Therefore I was in the hospital and was not able to do anything. Today on XX/XX/XXXX, I had called the company to see if they could reopen my account and they said no that I would have to speak to a customer representative I said, OK I spoke to customer representative again and they had asked for my Social Security number, and they asked for my birthdate and name and they said that I will get a letter within 7 to 10 business days and that they were not able to reopen it I said wait a minute you guys just checked my credit without my authorization I did not approve of this. This was something that they should have said from the very beginning, I find this to be ill practice of their business, and I do not agree to any of the credit checking to reopen my account. They had switched me four different times maybe five at the max and saying that they were managers but the last one said that he wasnt manager I could not understand them. I was trying to understand but I got frustrated with them and hung 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 explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The account was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXXr. placed a inquiry on my credit report and I did not apply for credit from XXXX ever! 

On XX/XX/year> XXXXXXXX XXXXXXXX XXXX placed a inquiry on my credit report and I did not apply for credit from XXXXXXXX  before . 

On XX/XX/year> JPMCB CARD placed a inquiry on my credit report and I did not apply for credit from JPMCB CARD before. 

On XX/XX/year> JPMCB CARD, placed a inquiry on my credit report and I did not apply for credit from JPMCB CARD before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: MN

Complaint narrative:
XXXX XXXX i start disputing these accounts they have not completed investigation, accurate, fair credit act I have uploaded all the information to the website the XXXX, the FTC identity theft reports the police 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 2024-03-18 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX
ACCOUNT NUMBER:XXXX

LOCATION INFORMATION: XXXXXXXX XXXX XXXX XXXX XXXX XXXX  

TO WHOM IT MAY CONCERN,

THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX XXXX XXXX WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT). AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM.

THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. 

IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES( I.E XXXX XXXX XXXX XXXX )

ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION-

(I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION;
(ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR
(iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION

FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION.

THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED XXXX XXXX  AND XXXX  ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802.

IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX XXXX & XXXX  IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT.

PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL.

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS.

THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT AND UPDATE ACCOUNT TO PAID AS AGREED;

LATE PAYMENTS:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT.

THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

SINCERELY,
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: VA

Complaint narrative:
Companies Involved : XXXX EQUIFAX 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 XXXXXXXX The companies listed have reported the following accounts improperly and illegally. 
I respectfully request that these accounts be removed from my credit profile with all deliberate speed. 

XXXX XXXX : this account has XXXX balance. Please remove. 
XXXX XXXX XXXX  : this account has XXXX balance. Please remove. 
XXXX : this account has been charged-off, Please remove Under FCRA guidelines these closed and charged-off accounts need be deleted from my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: VA

Complaint narrative:
Companies Involved : XXXX XXXX EXPERIAN 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 The companies listed have reported the following accounts improperly and illegally. 
I respectfully request that these accounts be removed from my credit profile with all deliberate speed. 

XXXX XXXX : this account has XXXX balance. Please remove. 
XXXX XXXX XXXX : this account has XXXX balance. Please remove. 
XXXX : this account has been charged-off, Please remove Under FCRA guidelines these closed and charged-off accounts need be deleted from my profile.

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 2024-03-18 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: CA

Complaint narrative:
I have exhausted all efforts in trying to get Equifax to remove some items from my credit report. I have expressed to them in numerous ways that it is due to identity theft, and one of the accounts is a business account not a personal. 

I would like for Equifax to promptly remove these items from my credit report and restore my credit score to its correct value They need to remove the XXXXXXXX XXXX  account and the XXXX XXXX credit card. This is a platinum business card not an individual account.

Company response to consumer: Closed with non-monetary relief