vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Guglielmo and Associates
State: NV

Complaint narrative:
A collector sent me written notification that attempts to look like a court document. Its left border is numbered in the format of pleading paper, for example. It also has a header reading the name of a court and its area ( " XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NEVADA ) XXXX along with a case number. It also reads a plaintiff name versus my name as defendant. 

The document does offer a " THREE DAY NOTICE OF INTENT TO FILE DEFAULT '' subheader, but it appears very apparent that the collector is attempting to make the document appear as an actual court document. It's also apparent that the collector is using this method to deliberately mislead and compel recipients to believe they have no other choices. 

I find this to be an attempt to deliberately mislead and believe it violates law. There are other questionable practices by this same office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-02-07 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: MD

Complaint narrative:
I reviewed my consumer reports and noticed that I had three late payments on an account that I was never late for. Extentions were granted for each of the late payments reported prior to 30days of being considered late. I contacted and informed furnisher of error. See attachments XXXX XXXX ACCT # : XXXX Please 15USC1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 non-monetary relief
Consumer complaint received 2024-02-07 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: MD

Complaint narrative:
I reviewed my consumer reports and noticed that I had three late payments on an account that I was never late for. Extentions were granted for each of the late payments reported prior to 30days of being considered late. I contacted and informed furnisher of error. See attachments XXXX XXXX ACCT # : XXXX Please 15USC1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, I'm trying to dispute these because I have already contacted the agencies on the date of XX/XX/year>. I have sent them a letter but they have stated that they can't remove it because it's been verified. However, I need to have these removed because of the law.

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 2024-02-07 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I bought a refrigerator from XXXXXXXX XXXX in XXXX of XXXX. I made the huge mistake of getting a XXXXXXXX XXXX credit card in order to take advantage of the 5 % discount. Never again. 

The refrigerator was defective and made a sound like a bone breaking when I opened one of the doors. I paid the bill in full before the end of the month, and I waited for a couple of weeks to make sure the horrible noise wouldn't just go away with use. It did not. 

I went to the store in XX/XX/XXXX and asked them to swap it out. That put into motion the biggest ordering-delivering-accounting snarl I've ever encountered. Instead of just swapping out the refrigerator, they required me to order a second one because " they couldn't show 2 refrigerators out of inventory at the same time. '' It's hard to believe they had not encountered this situation before -- do they really always require a person to buy a 2nd refrigerator when the 1st one is defective? I ended up returning the 2nd refrigerator also, because it had a loud high-pitched whine. I ordered a 3rd refrigerator of a different brand, but before it could be delivered and the 2nd one taken away, XXXXXXXX XXXX called or emailed me to tell me it was not in inventory. I was completely disgusted by the whole mess and the HOURS AND HOURS I'd had to spend to try to straighten it out. I made many, many phone calls and at least 5 trips to the store. I gave up and bought a refrigerator from XXXX XXXX. I called XXXXXXXX XXXX  and had them pick up the 2nd refrigerator on XX/XX/XXXX. After that, I DID AND DO NOT HAVE A SINGLE REFRIGERATOR FROM XXXXXXXX XXXX. I also destroyed my XXXXXXXX XXXX credit card and will never buy anything from them again. 

The snarl was so tangled that at one point they showed I owed them for 4 refrigerators. XXXXXXXX XXXX told me they couldn't straighten it out and I would have to contact XXXXXXXX XXXX 

After requiring me to spend many more hours writing, calling, and faxing letters, XXXX investigated and decided in my favor. I received a check from XXXXXXXX XXXX for the amount I had paid for the 1st refrigerator in XX/XX/XXXX. It seemed the horrible ordeal of dealing with them was over. 

That, however, was not the case. After some time, XXXX somehow forgot about their decision and started trying to collect money from me again. They again put lots of false information on my credit report. I told them on XX/XX/XXXX in a letter, which I both faxed and sent through USPS mail, that I would not contact them again ever, but if my credit report were not straightened out and all adverse events on it removed, I would contact CFPB. 

Their records and my credit report are still mangled. XXXX has begun phoning and mailing me again. I ask for your help to end this horrible ordeal and restore my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received a letter from Capital One dated XX/XX/year> stating that they have sold my information to a third party. This is a direct violation of my right to privacy as I did not consent to have my personal and private information shared with anyone. Pursuant to 15 USC 6802 ( b ), financial institutions shall not disclose nonpublic personal information to a nonaffiliated third party unless the financial institution clearly and conspicuously discloses to the consumer that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Unfortunately I was never given the opportunity to state whether or not I want my information given to a nonaffiliated third party, nor was I told how I can exercise that right.

Pursuant to 15 USC 6803 ( a ), financial institutions shall provide an annual privacy policy disclosure, however I have not received a disclosure from Capital One whatsoever. If the account has just now been sent elsewhere, then I have should have been receiving annual disclosures pertaining to their Privacy Policy while the account was opened.

Capital One has deprived me of my rights which is a crime pursuant to 18 USC 242.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
On XX/XX/XXXX I used my " Paypal balance '' to make a payment on my Synchrony Bank card, which was immediately deducted from my account and applied to my credit card with confirmation. On XX/XX/XXXX I received an email stating that my payment had been returned as insufficient funds. I made a 2nd payment of {$200.00} on XX/XX/XXXX from my bank account, and then later the same day I got a 2nd email stating my first payment from XX/XX/XXXX was applied to my account. 

They are also charging me a higher interest rate on a " Cash advance '' from XX/XX/2023, but I have never advanced cash from this account. 

I have also paid OVER the minimum amount, consistently, every month, but they have not applied those payments to the higher interest cash advance loan and they do not give me a mechanism to specify where my payments are applied. 

They also feature " interest free purchases '' if the payments are made within a year, but how they apply those payments are inconsistent, and they do not give any information as to what balances remain with an introductory balance. 

I pay XXXX to XXXX the minimum balance every month but my amount due seems to be INCREASING every month due to how they process their payments, how they apply payments, and how they expire their introductory rates and apply interest, none of which is disclosed to me. Everytime I call I end up in an XXXX call center with someone who says " that's just how it works. ''

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 2024-02-07 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: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

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 2024-02-08 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-07 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
There was a vehicle purchased in my name and I haven't purchased a vehicle in 2 decades or more. This was a huge truck fully loaded for a big strong man, I'm a small woman my height is 5ft and I don't buy vehicles because the car payments are two high. I'm XXXX living on a fixed income and I only get paid once a month. I could get approved for a vehicle that expensive in my dreams. The bank is Credit acceptance and I told them it's 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 explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please contact Equifax and XXXX in reference to student loans on my credit report. After submitting a dispute and several phone calls since XXXX XXXX XXXX both reports remain incorrect. I request that the student loans are removed based on the PLSF program. I would also like am updated copy of my reports from both agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
After checking my credit report, I have found that there has been a fraudulent account opened under my name without my authorization! I had no idea that my personal information was being used and I am in shock. I have filed an identity theft report with the FTC which will be attached. This account was opened without my knowledge and consent. It should be removed from my credit report!

The details of the subject account are below : APPLE CARD - GS BANK XXXX XXXX, 2021 {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I deposited a check for {$110000.00} XXXX to my account at First Horizon in XXXX, Tn., back in XX/XX/XXXX. After 2 months I finally got the deposit in the amount of {$82000.00}. According to the exchange rate at that time, even with the lowest rate, I was expecting more like {$85000.00} USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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