vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
I purchased a brand new XXXX Nissan XXXXXXXX XXXX XXXX in XXXX XXXX XXXX. I noticed that there weren't any rugs in the truck so I asked the sales rep about rugs and he stated that he would " give them to me at no cost '' since I decided to buy from them. He did give me the carpeted rugs and I also asked for a manual as It was missing from the glove compartment also. 

After taking possession of the vehicle, I was able to find the retail window sticker hidden in the back seat storage slot. Upon opening it up and reading it, I discovered that there should've been an " Offroad Protection Package '' that came with the vehicle when it left the assembly line. This offroad package includes both carpeted and rubber mats, the " Off-Road Adventure Kit - Nissan ( XXXX : XXXX, price is {$160.00} ) retail, and the Nissan Med Kit - Nissan ( XXXX XXXX XXXX XXXX XXXX {$65.00} ). I have reached out to XXXX Nissan XXXX as well as Nissan XXXX office, but they are unwilling to help me. I paid for these items, and I expect to have them asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
XXXX : XXXX XXXX : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX RE : Unauthorized Inquiries Dear Equifax XXXX the purpose of my letter is to dispute the following eleven inquiries that are wrong and unauthorized. Please remove them from my Equifax credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 


XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: EQUIFAX, INC.
State: IL

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

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

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

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

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 explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
there was XXXX XXXX credit card fraudulently taken out using my information XX/XX/XXXX for the amount of {$450.00} i have filed ftc report and have contacted police .on XX/XX/XXXX there was an fraudulent account taken out with my personal information by XXXX XXXX bank for {$1900.00}. on XX/XX/XXXX there was a XXXX XXXX XXXX  card fraudulently taking out with my personal information for thew amount of $ XXXX XX/XX/XXXX there was a fraudulent account for the amount of {$460.00} with the XXXX XXXX XXXX  XXXX on XX/XX/XXXX there was a fraudulent account taken out with my personal information with XXXX XXXX bank for the amount of {$1100.00}. on XX/XX/XXXX there was a fraudulent account taken out with my personal information with XXXX XXXX for the amount of {$36000.00}. on XX/XX/XXXX there was a fraudulent account opened with my personal information by XXXX XXXX for the amount of {$110.00}

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 2025-01-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
there was XXXX XXXX credit card fraudulently taken out using my information XX/XX/XXXX for the amount of {$450.00} i have filed ftc report and have contacted police .on XX/XX/XXXX there was an fraudulent account taken out with my personal information by XXXX XXXX bank for {$1900.00}. on XX/XX/XXXX there was a XXXX XXXX bank card fraudulently taking out with my personal information for thew amount of $ XXXX XX/XX/XXXX there was a fraudulent account for the amount of {$460.00} with the XXXX XXXX XXXX XXXX on XX/XX/XXXX there was a fraudulent account taken out with my personal information with XXXX XXXX bank for the amount of {$1100.00}. on XX/XX/XXXX there was a fraudulent account taken out with my personal information with XXXX XXXX for the amount of {$36000.00}. on XX/XX/XXXX there was a fraudulent account opened with my personal information by XXXX XXXX for the amount of {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
there was XXXX XXXX credit card fraudulently taken out using my information XX/XX/XXXX for the amount of {$450.00} i have filed ftc report and have contacted police .on XX/XX/XXXX there was an fraudulent account taken out with my personal information by credit XXXX bank for {$1900.00}. on XX/XX/XXXX there was a reflex Celtic bank card fraudulently taking out with my personal information for thew amount of $ XXXX XX/XX/XXXX there was a fraudulent account for the amount of {$460.00} with the XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX there was a fraudulent account taken out with my personal information with XXXX XXXX XXXX  for the amount of {$1100.00}. on XX/XX/XXXX there was a fraudulent account taken out with my personal information with rewards network for the amount of {$36000.00}. on XX/XX/XXXX there was a fraudulent account opened with my personal information by true accord for the amount of {$110.00}

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 2025-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Delete and type in all the inaccurate accounts in here. 

Example : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), 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 ( 15 USC 1681 ( e ) ( b ) ).

Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of 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. 

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe 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 2025-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
In 2023, I received financing for a laptop, with no interest charged for a year. Shortly after, Dell changed their system to work with Comenity Capitol Bank. I received an e-mail stating that my account number would be mailed. I never received an account number. I have only received communication over the phone, which I had used to pay, but I want to log in online so I can pay the balance in full and dispute any issues. I have attempted multiple times both over the phone and via e-mail to get my account number so I may pay online. At this point, interest has continued to generate because I have not been able to log in online. I have had trouble understanding and communicating with people on the phone, and they have refused to communicate via e-mail. I have continually asked for my account number, and each time they have refused my demands.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE 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 explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have sent multiple complaints through CFPB and FTC but I don't see why these inquiries, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 XXXX 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 2025-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am trying to close a Citi XXXX XXXX account. There is no option in their phone system for account closure. After navigating all the other options, I am eventually able to get a representative if I say I have a different issue. To access the account I needed to provide some information ... at some point either a debit card pin or the security word for the account is needed. Since the company never sent me a debit card, I chose the security word. I gave the correct security word and the representative told me it was incorrect and would not let me access my account. He suggested I change the security word, which requires knowing the correct one in the first place. I had the correct security word so I was able to change it. When I gave the new word, he tried again unsuccessfully and told me I need to visit a physical branch, even though they don't have any remotely close to me. They are making it effectively impossible to close the account, and my only choice to avoid fees is to keep depositing more money.

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 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I spoke with a broker XXXX XXXX from XXXX XXXX XXXX XXXX XXXX who recommended 5/3 Bank ( Fifth Third Bank ) for a XXXX  loan in the amount of {$50000.00}. On XX/XX/XXXX XXXX XXXX called me to inform me that XXXX XXXX XXXX was requesting Purchase Agreement, Sales Agreement, Contact information and Federal Tax returns Last XXXX  years of XXXX XXXX, copy of Drivers License and Insurance binder, in order to consider the loan. On XX/XX/XXXX XXXX XXXX sent me an email asking for my CPAs name. I did not comply with their request. I told them I could not provide my XXXX XXXX XXXX. XXXX XXXX then told me the bank will not approve my loan without the Tax Returns. I never received the loan from Fifth Third Bank. 

On XX/XX/XXXX I called XXXX XXXX XXXX XXXX and was given the loan immediately. 

I received a text message from Fifth Third Bank  reminding me of payment due soon. I immediately called XXXX XXXX with concerns because I never received the loan from Fifth Third Bank. He told me that he would contact Fifth Third Bank and clear up the situation. 

On XX/XX/XXXX I received a bill for the first installment payment from Fifth Third Bank in the amount of {$410.00} due on XX/XX/XXXX acct # XXXX. I called XXXX XXXX and he instructed for me to email the notice to him and that he would contact the bank. I immediately called Fifth Third Bank and spoke to XXXX employee # XXXX and was given a case number XXXX. I explained the situation to him and they said that it would be resolved in XXXX ( XXXX ) days. A few days later I received a phone call from Fifth Third Bank collecting on a past due payment. I made the bank get on a conference call with XXXX XXXX from XXXX XXXX bank in order to clarify the discrepancy. Fifth Third Bank then said they would contact me in XXXX ( XXXX ) Days with a resolution. XXXX XXXX sent a check in the amount of {$50000.00} check # XXXX drawn on XXXX Bank XXXX on XX/XX/XXXX in order to satisfy the loan. 

On XX/XX/XXXX, I called Fifth Third Bank and spoke to XXXX employee # XXXX. I had to explain my situation again because nothing has been done at this point. This employee denied me from speaking to a XXXX. He was very unprofessional and unsympathetic. I am at wits end. I am reaching out to you to find some solution to this problem. Below is the information to both parties involved. 

Thanking you in advance XXXX XXXX Fifth Third Bank XXXX Bank XXXX XXXX XXXX XXXX, OH XXXX Phone # XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone # XXXX Cell # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation