vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 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: GA

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
Consumer complaint received 2024-05-19 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-05-19 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
This balance is not correct, the bank did not send the actual sales information and the reason for the delivery was changed by the bank, not the original reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: WV

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
Consumer complaint received 2024-05-19 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: WV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
chase bank close my credit card account for no reason, then reported it to my credit report. They never reach out to me to let me know they was closing the account.

I have a balance of {$29000.00}. I am willing to pay the balance but I want it removed off my credit report. It is a business credit card it should not be reporting on my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: Kikoff Inc.
State: VA

Complaint narrative:
There were several people who were involved in this scheme. Also I was a victim of identity theift and internet scam and hacking several banks and medical information also. I am getting bills asking for money for bills. Over charging for phone services. This is not all of what has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Carvana Group, LLC
State: OH

Complaint narrative:
Fell behind on payments, and they took the car without notice of repossession, they charged off my loan to a third party company. My indenture trustee did not help manage anything. My right according to the The Trust Indenture Act ( TIA ) of 1939 was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: General Motors Financial Company, Inc.
State: OK

Complaint narrative:
For 2 1/2 years I have contacted General Motors, they have a lifter issue, they know it. There is a class action lawsuit against them. They overcharge on fees, interest and refuse to help in any way. 
I spent XXXX XX/XX/2024, another XXXX XX/XX/2024. I have spent a total of over XXXX trying to keep this truck operational.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: NV

Complaint narrative:
Please see outlined issue ( s ) below : Improper Handling of Reported Fraud Claim Misapplied Payment ( Date ( s ) Inaccurate ) On XX/XX/year>, I made an outbound call to XXXX at XXXX. I advised rep of Stolen Card and Identity. I also advised that the suspect had been apprehended. The rep escalated the call to the Fraud Division, who was not very helpful. I subsequently called back on XX/XX/year>, to report the same issue. Again, no representative was willing to remedy the situation. I finally contacted on XX/XX/year>, where the Fraud Supervisor reversed the late payment and returned check fees, and also logged the fraudulent charges It was then that I emailed the supporting documents : Police report Arrest Report Property Recovery Report I was assured that the matter would be handled. I made a {$120.00} payment on XX/XX/year>, via the web portal. I received confirmation via email stating that my payment would not process until XXXX XXXX. This was not my request and was incorrect. As I did not receive said email until XXXXXXXX XXXX PST, I was not able to call Customer Service to rectify ( they were closed ). I called Customer Service on XX/XX/year>, to ensure I would not be adversely affected by the system issue ( IVR states my account is past due when it is indeed current ), and was met with hostility, lies, and slander. The reps state that I did not submit fraud claim until XXXX XXXX whereas I have documented email and call log proof.

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 2024-05-19 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: NV

Complaint narrative:
Please see outlined issue ( s ) below : Improper Handling of Reported Fraud Claim Misapplied Payment ( Date ( s ) Inaccurate ) On XX/XX/2024, I made an outbound call to XXXX at XXXX. I advised rep of Stolen Card and Identity. I also advised that the suspect had been apprehended. The rep escalated the call to the Fraud Division, who was not very helpful. I subsequently called back on XX/XX/2024, to report the same issue. Again, no representative was willing to remedy the situation. I finally contacted on XX/XX/2024, where the Fraud Supervisor reversed the late payment and returned check fees, and also logged the fraudulent charges It was then that I emailed the supporting documents : Police report Arrest Report Property Recovery Report I was assured that the matter would be handled. I made a {$120.00} payment on XX/XX/2024, via the web portal. I received confirmation via email stating that my payment would not process until XXXX XXXX. This was not my request and was incorrect. As I did not receive said email until XXXX XXXX PST, I was not able to call Customer Service to rectify ( they were closed ). I called Customer Service on XX/XX/2024, to ensure I would not be adversely affected by the system issue ( XXXX states my account is past due when it is indeed current ), and was met with hostility, lies, and slander. The reps state that I did not submit fraud claim until XXXX XXXX whereas I have documented email and call log proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: NV

Complaint narrative:
Please see outlined issue ( s ) below : Improper Handling of Reported Fraud Claim Misapplied Payment ( Date ( s ) Inaccurate ) On XX/XX/2024, I made an outbound call to XXXX at XXXX. I advised rep of Stolen Card and Identity. I also advised that the suspect had been apprehended. The rep escalated the call to the Fraud Division, who was not very helpful. I subsequently called back on XX/XX/2024, to report the same issue. Again, no representative was willing to remedy the situation. I finally contacted on XX/XX/2024, where the Fraud Supervisor reversed the late payment and returned check fees, and also logged the fraudulent charges It was then that I emailed the supporting documents : Police report Arrest Report Property Recovery Report I was assured that the matter would be handled. I made a {$120.00} payment on XX/XX/2024, via the web portal. I received confirmation via email stating that my payment would not process until XXXX XXXX. This was not my request and was incorrect. As I did not receive said email until XXXX XXXX. PST, I was not able to call Customer Service to rectify ( they were closed ). I called Customer Service on XX/XX/2024, to ensure I would not be adversely affected by the system issue ( IVR states my account is past due when it is indeed current ), and was met with hostility, lies, and slander. The reps state that I did not submit fraud claim until XXXX XXXX whereas I have documented email and call log proof.

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 2024-05-19 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: TX

Complaint narrative:
Experian and they also own XXXX now and experian.com paid customer {$24.00} month membership includes real time XXXX XXXX XXXX, Experian XXXX is XXXX XXXX customer US Social Security # based consumer USPS address changes, age, Algorithm info, GPS and online search engine history, credit inquiries et mas For sale to and also buying from multiple individuals persons. ONLINE APPS, WEBSITES, AGENCIES BANKS, NCUA FEDERAL CREDIT UNION, PAYDAY LENDERS, HEALTH IBSURERS, CAR. LIFE INSURESERS, HEALTHCARE SIMULATION PAID HUMAN FIELD MONITORS for huge US and Foreign currency amounts and has XXXX XXXX XXXX category and Seperate FICO SCORES ONLY BANKS, MORTGAGE COMPANIES AND INSURERS XXXX SEE XXXX POINTS LOWER THAN PAUD SCORES EXPETIAN CONSUMERS RECEIVE FOR {$24.00} A MONTH.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My complaint is about the credit bureau Experian. I have recently noticed that I have been charged for a monthly subscription that I have never once agreed to. I have been using the app since XX/XX/XXXX as a means to check my credit score. Today, XX/XX/XXXX, I noticed a XXXX XXXX charge to Experian which led me to investigate. According to my bank it is for professional services. Further looking at my transaction history, I was also charged XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have not interacted nor agreed to buying any subscription or plan from Experian. I have not received any correspondence, from email or paper, that I have agreed to a membership fee. I am absolutely certain that this deceptive practice is not legal. In XXXX, the only thing I did with Experian was go to their office in XXXX XXXX to acquire a credit report for a background check. The clerk did not tell me I was being charged and all indications were that the credit report is free.

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 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Venture X told me before I applied for the credit card that there will not be any spending limit on my card. But they restricted my spending limit by what they call " Purchasing Power ''. This in effect is a spending limit. 
It was misleading advertising, and I would not have applied for this credit card if I knew there will be a limit on how much I can spend in a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
OK so up did not know this, but I was paying Lexington law firm to fix my credit and they never did nothing. I paid them for almost XXXX XXXX years and I think it was {$100.00} a week. I don't feel like this was right and I've been burned by these big company 's i Don't feel like it is right in my XXXX and I have XXXX kids that I have to take care of Please get back with me thank you Started services in XXXX ended services XXXX Company name was Lexington law firm

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: MD

Complaint narrative:
I reached out to Experian via phone after repeated letters concerning the correct spelling of my name as well as my actual address in accordance with the accuracy clause required by reporting agencies issued by the FCRA which is further supported by consumer law 15 USC 1681i. Experian has yet to correct my name and my address which are incorrect therefore making the information being reported inaccurate which is a violation of the law and therefore 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 2024-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA

Complaint narrative:
Hyat and Hyat Landeau continue to call me about a debt. I don't know who they are ans what the debt is. I've never received mail, only calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: NY

Complaint narrative:
I am writing to bring to your attention a discrepancy in my consumer credit report that I have noticed across the major credit reporting agencies. Recently, XXXX accounts have been successfully removed from my XXXX credit report. However, as of this writing, these same accounts have not been removed from my XXXX and Equifax reports. 

The accounts that have been removed from my XXXX report are as follows : XXXX XXXX XXXX XXXX XXXX 
Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX ) XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX The accuracy and timeliness of my credit report information are of the utmost importance to me. Having inconsistent information across different credit reporting agencies can negatively impact my credit standing and any financial opportunities that may arise. I am kindly requesting that XXXX and Equifax update their records to reflect the changes made by XXXX. 

Please find attached the documentation from XXXX that confirms the removal of these three accounts from my credit report. I trust that this will assist in expediting the necessary updates.

Thank you for your immediate attention to this matter. I look forward to your confirmation once the updates have been made

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: NY

Complaint narrative:
I am writing to bring to your attention a discrepancy in my consumer credit report that I have noticed across the major credit reporting agencies. Recently, three accounts have been successfully removed from my XXXX credit report. However, as of this writing, these same accounts have not been removed from my TransUnion and XXXX reports. 

The accounts that have been removed from my XXXX report are as follows : XXXX XXXX XXXX 
Account number : XXXX XXXX Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX The accuracy and timeliness of my credit report information are of the utmost importance to me. Having inconsistent information across different credit reporting agencies can negatively impact my credit standing and any financial opportunities that may arise. I am kindly requesting that TransUnion and XXXX update their records to reflect the changes made by XXXX. 

Please find attached the documentation from XXXX that confirms the removal of these XXXX accounts from my credit report. I trust that this will assist in expediting the necessary updates. 

Thank you for your immediate attention to this matter. I look forward to your confirmation once the updates have been made

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 2024-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management sent an email, last sent on XX/XX/year> -- about a debit owed. I do not owe this debt. In the past have asked for written documentation but they did not provide this.

Company response to consumer: Closed with non-monetary relief