vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint against [ name of the credit bureau ] due to the unresolved status of previous disputes regarding unauthorized inquiries on my credit report. I have submitted formal disputes on XXXX separate occasions ( [ date of the first dispute ], [ date of the second dispute ], [ date of the third dispute ] ), but I have not received an adequate resolution. I believe the actions ( or inactions ) of the credit bureau constitute violations of the Fair Credit Reporting Act ( FCRA ). 

Disputed Inquiry : 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 explanation
Consumer complaint received 2024-09-21 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: MO

Complaint narrative:
On XX/XX/XXXX I pulled my credit report from the credit bureaus and I found alot of inaccurate and misleading information reporting on my credit that I have asked the credit bureaus to investigate correctly and fix but nothing has been been fixed but they tell me that the company is reporting the correct information. I have also asked for proof and deminstrations of the procedure that they have followed to determine that the information was true but they have not.This compand has been reporting Charge off after charge off several times which is a violation of my consumer rights under 15 USC 1681 ( e ) and 15 USC 1681 ( i ). This company has also written this debt off but never sent me a 1099 letter that I have requested. I also am requesting a cease and desist to this company on all communications especially to all 3 credit bureause until they can give me a 1099C and removed this debt off my credit.

Account info Account name XXXX XXXX Account number XXXX  Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$230.00} written off. {$230.00} past due as of XXXX XXXX 
Status updated XX/XX/XXXX Balance {$230.00} Balance updated XX/XX/XXXXXXXX  Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$420.00} Terms - On record until XX/XX/XXXX Payment history 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 Current / Terms XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge off Payment history guide Charge Off as of XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 as of XXXX XXXX XXXX XXXXXX/XX/XXXX This account is scheduled to continue on record until XX/XX/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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I pulled my credit report from the credit bureaus and I found alot of inaccurate and misleading information reporting on my credit that I have asked the credit bureaus to investigate correctly and fix but nothing has been been fixed but they tell me that the company is reporting the correct information. I have also asked for proof and deminstrations of the procedure that they have followed to determine that the information was true but they have not.This compand has been reporting Charge off after charge off several times which is a violation of my consumer rights under 15 USC 1681 ( e ) and 15 USC 1681 ( i ). This company has also written this debt off but never sent me a 1099 letter that I have requested. I also am requesting a cease and desist to this company on all communications especially to all 3 credit bureause until they can give me a 1099C and removed this debt off my credit. 
Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$230.00} written off. {$230.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$230.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$420.00} Terms - On record until XX/XX/XXXX Payment history 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 Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days XXXX Charge off Payment history guide Charge Off as of 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 90  days past due as of XXXX XXXXXXXX 60 days past due as of XXXX XXXXXXXX XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Request for Assistance Regarding Experian and Employment Purposes Violation Dear CFPB Team, I hope this letter finds you well. I am writing to seek your assistance concerning an ongoing issue I have been experiencing with Experian, a consumer reporting agency. It has come to my attention that Experian continues to use my personal information for employment purposes, which I believe violates 15 U.S. Code 1681b, specifically regarding permissible purposes of consumer reports. 

As stated in subsection ( A ) of this code, a consumer reporting agency may furnish a consumer report only under specific circumstances, including when the information is intended for employment purposes. Despite my repeated attempts over the past XXXX months to rectify this issue with Experian, I have not seen any progress. 

I would greatly appreciate your guidance and assistance in resolving this matter promptly. Thank you for your attention to this issue, and I look forward to your response. 

Sincerely,

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 2024-09-21 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ( Original Creditor : XXXX XXXX XXXX ) # 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 explanation
Consumer complaint received 2024-09-21 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:
Transunion, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system Case No. XXXX  XXXX XXXX in The XXXX XXXX XXXX Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are both 1 in the same???

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 2024-09-21 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: IL

Complaint narrative:
The account XXXX is showing on my credit report negatively impacting my credit the company has been unable to provide actual proof of contract of original debt nor produce 1099 proof of charge off I demand that pursuant to my rights under the FCRA Act that this be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX we requested the payoff from GM financial and we sent the payoff amount to an interested party who was buying our truck. He said he wanted the truck and he was going to wire the money to pay off our amount of {$39000.00} but we were asking XXXX. We talked to GM financial representatives. They said they would cut us a check for the overage we talked to them several times, they said our account would show processing then posted and then account closed when the account was closed we could handover the vehicle. On XX/XX/XXXX, our account showed processing. On XX/XX/XXXX Our account showed paid in full on XX/XX/XXXX it showed a balance of XXXX and the account closed. On that same day, the man came and got the truck. during those days we contacted GM multiple times talk to representatives making sure that this was a good process. It was and it was posted and the account was paid for enclosed. They assured it was fine. Three days later we check the account and it showed we owed XXXX again now our world is turned upside down as have signed the truck over and now they say we owe this money! we would have never signed our title over and handed that truck over if GM financial had told us that The payment was still pending, but they did not tell us that we can not pay this as I just retired after 35 years with my job we were downsizing. Thats the reason why I was selling the truck! we immediately called and filed a police report that we had been scammed by this person who said he was wiring the money to GM financial which he did but what we understand from GM financial that it was reversed or I dont know how that would work, but thats what they said. we have a police report and we have documentation showing that GM financial said our account was closed paid in full and XXXX XXXX  even showed the account closed. We feel that GM financial did not protect us. They failed us and we can not pay this.!! Please Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am writing to file a formal complaint regarding overdraft fees charged to my account and what I believe to be misleading advice provided by a representative of my bank. 

On XX/XX/XXXX, I overdrafted my account twice, resulting in a negative balance of {$280.00}. The following day, XXXX overdraft fees were charged to my account. A separate bill of {$4.00} also overdrafted my account further. To rectify the situation, I immediately deposited {$5.00} to address the smaller overdraft. On XX/XX/XXXX, I withdrew {$40.00}, but then returned {$40.00} to the account the next day to cover that amount. 

Upon reviewing my account on XX/XX/XXXX, I was surprised to find that I had been charged an additional overdraft fee after depositing the {$40.00}. I was aware that my account still had an outstanding balance of {$340.00} ; however, the main grievance stems from the fact that a bank representative, on a recorded call, informed me that if I paid the overdraft amount before XXXXXXXX XXXX the next day, I would avoid further fees. 

Despite following this guidance, I was still charged additional overdraft fees. This advice, along with the multiple fees incurred, seems inconsistent with my understanding of the banks overdraft policy. 

I am requesting the CFPB 's assistance in investigating this matter and ensuring that the bank 's practices are fair and transparent. I believe the overdraft fees applied to my account were unfairly assessed based on incorrect information provided by the banks representative. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Kikoff Inc.
State: TN

Complaint narrative:
i have no idea whos account this is, it is NOT mine nor do i know what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: NJ

Complaint narrative:
I DO NOT OWN THE ACCOUNTS STATING BALANCES ON MY REPORT PLEASE REMOVE. MY CREDIT SCORE IS BEING SEVERELY DAMGED AND I AM UNABLE TO GET APPROVED FOR CREDIR CARDS AND LOANS.

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Date Opened- XXXX XXXX XXXXXX/XX/XXXX Balance- {$700.00}, XXXX XXXX Date Opened- XX/XX/XXXX Balance- {$1000.00}, XXXX XXXX Date Opened- XXXX XXXX XXXX  Balance- {$300.00}. 

The information is incorrect and does not belong to me. 

I looked at my TransUnion credit report on XX/XX/XXXXXXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MS

Complaint narrative:
VALIDATION AND CEASE AND DESIST IC Systems XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear IC Systems, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this 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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have had a free membership with Experian for a few years now due to a credit breach. Whenever I logged in since XXXX, I noticed it was offering a service upgrade for {$0.00}. It seemed unusual. On the right side of the screen it would show a few additional services it appeared that i was eligible for. It showed I would owe {$0.00} if i elected to opt-in. After the second or third seeing that the amount was {$0.00}, I decided to opt-in since there was no cost. When I selected it, I didn't receive any new screen explaining that I'd be charged {$24.00} a month. I also didn't receive any message from Experian at the email address on my account verifying the upgrade and the billing information. My first alert was when I reviewed by XXXX bank statement. I immediately cancelled the upgrade at Experian. At the screen when it asked me why I was cancelling, one of the options said something like " i was unaware that i would have to pay for the new service. '' I selected that one. This was a deceptive practice by Experian, to rope consumers into a paid membership but not explaining the associated costs. 

I didn't take screenshots of the offers on the Experian website, but I do have a screenshot from my email account, showing how often Experian would email me. It's very strange that as often as Experian sends me emails, they would neglect to send one related to a paid subscription membership upgrade.

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 2024-09-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: TN

Complaint narrative:
a collections account at JEFFERSON CAPITAL LI ( XXXX  ) that was assigned to collections on XXXX XXXX under the account number ending in ( XXXX ) with a balance of XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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:
As per the guidance from the Consumer Finanical Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due XXXX XXXX XXXX XXXX, which falls under XXXX  according XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request the you block this information from my credit report within four business days, pursuant to section 605C of the Faoir Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all list accounts to be blocked and deleted company information Transunion. Please delete the following accounts, XXXX XXXX bal. {$750.00}, XXXX XXXX, {$2000.00}, XXXX XXXX, {$4500.00}, XXXX  Bal {$700.00}, XXXX XXXX XXXX {$4300.00}, XXXX  XXXX Bal {$880.00} XXXX XXXX {$1700.00}, XXXX XXXX {$6400.00}, Bankruptcy.

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 2024-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I was told that my insurance would not cover a dental procedure and pressured to take on a loan the dentist is involved with. The monthly installment payments were not disclosed to me to be {$150.00} per month. When asking the company to provide signed documentation of the installments amount when their establishment refused to lower the payments they stated that they do not keep that type of information on record. I continue to pay what I can afford XXXX dollars per month. This company calls my phone several times a day usually 2-3 times at a time. They first call displaying their identity 2 times then block their identity coming in as unknown beginning as early as XXXX.

Company response to consumer: Closed with monetary relief