vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
To Whom It May Concern : I am writing to dispute the accuracy of the credit information that Experian has reported on my credit report. Specifically, my account with XXXX ( Account XXXX XXXX ) was reported as being 60 days late on my Experian credit report, while other credit bureaus did not report any late payments on this account. 

I believe that this information is inaccurate and incomplete and may be in violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit reporting agencies are required to ensure the accuracy and completeness of the credit information they provide to lenders and other entities. 

Therefore, I request that Experian investigate the accuracy of this information and correct any errors on my credit report. Please also provide me with a copy of my updated credit report once the investigation is complete. 

In support of my dispute, I have enclosed a copy of my credit report from XXXX and Experian that shows no late payments on my XXXX account. I also have attached any other evidence I have that demonstrates that this account was not 60 days late. 

Thank you for your attention to this matter. I look forward to hearing back from you within 30 days, as required by the FCRA. 

Sincerely, 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 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, 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: WA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a complaint at the end of XX/XX/2023 with the CFPB on behalf of Experians recent investigation problem. I understand that as of today, on the CFPB website with my login info, that it states the investigation is still open and we are waiting for a response from the credit bureaus. My husband and I received an email to each of our emails addresses from Experian on Thursday, XX/XX/XXXX, stating the investigation was completed and that they finally updated the balance. After 5 years of constant disputes with Experian that led to hardships of approvals and no deep dive investigation with multiple requests, I am not looking for an update on the account balance. With a {$2100.00} difference in balance change, that has proven to have the violated the FCRA law for five continuous years, I am only looking to have the joint account XXXX XXXX XXXX XXXX XXXX to be permanently removed from both I, XXXX XXXX and XXXX XXXX credit reports and a compensation for the long term damage that it has caused.

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 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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. 

Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX  Account numberXXXX Account name XXXX XXXXXXXX XXXX XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, 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: NY

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. 

Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account numberXXXX Account name XXXX XXXXXXXX XXXX XXXX  Account number:XXXX has violated my rights. Or list of inquiries 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 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Remove XXXX XXXX account from my credit report for inaccuracy. the date last active shows XX/XX/XXXX on transunion, XX/XX/XXXX on XXXX and XX/XX/XXXX on 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 2023-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I understand Wells Fargo has undergone a fine settlement for fraud between XXXX but not all its customers have been notified. I'm unsure what debts I'm owed out of the settlement since I was not given a notification of any sort from Wells Fargo and this is to ensure I'm not left out of the settlement claim. I've had checking, savings, and credit card accounts with Wells Fargo since 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 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, 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: NY

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. 

Account name XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name XXXX XXXXXXXX XXXX XXXX Account numberXX/XX/XXXX has violated my rights. Or list of inquiries 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 2023-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Complaint # XXXX Synchrony Bank stated that the dispute has been resolved. It has never been resolved. 
I am still being stone-walled by that Bank. They are not returning my calls. I paid an extra XXXX dollars on XX/XX/XXXX to cover the Fraudulent Charge. Synchrony later stated the XXXX dollar dispute was resolved in my favor but they have never put that XXXX dollars back into my account. 

Purchase - XX/XX/XXXX XXXXXXXX XXXXE XXXX FL Posted {$80.00} - Payment - XX/XX/XXXX PAYMENT - THANK YOU Posted- {$4.00} - Payment - XX/XX/XXXX PAYMENT - THANK YOU Posted- {$96.00} - Payment - XX/XX/XXXX PAYMENT - THANK YOU Posted- {$66.00} - Adjustment - XX/XX/XXXX BALANCE TRANSFER Posted {$100.00}

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 2023-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE BANK USA XXXX CAPITAL ONE XXXX XXXX, VA XXXX Got an credit card through XXXX XXXX  for capital one bank For {$300.00} I paid what was old to them now they're asking for an additional {$100.00} because they're saying late Fee and serve charges I received a letter from capital one bank stating that they will take this off my credit report however I just check my credit report once again and it's on all 3 of them Unpaid But close I reached out to capital one which they sent me a letter stating that they're not gon na report it to the XXXX XXXX anymore and they're gon na take it off my credit. because I did not give them permission to put it on my credit nor did they give me any paperwork to opt out I also send them paperwork put in them on notice and this is what was in my paperwork This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX or around that time without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX Best regards, XXXX XXXX XXXX : CFPB via fax ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This account is reporting inaccurate the reporting dates the bal owed and it is also reporting balance as a charge off and the bal was written off at the same time on my consumer report pass due amount was {$7700.00} I have 3 different reporting dates on different reporting agencies

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 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This account is reporting inaccurate the reporting dates the bal owed and it is also reporting balance as a charge off and the bal was written off at the same time on my consumer report pass due amount was {$7700.00} I have 3 different reporting dates on different reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
SYNCB/PAYPAL is an inquiry that is reporting on my account that I did not authorize and is fraud. I contacted XXXX multiple times to report as fraud. I called PAYPAL and they said this is not a INQUIRY from their company and is falsely reporting on my credit report. I also submitted a fraud alert on Identitytheft.org to no avail. This INQUIRY from SYNCB/PAYPAL is fraudenlent and should be removed from my XXXX credit report. No one knows where this fraudenlent INQUIRY stems from or can validate where it came from? PLEASE DELETE this inaccurate information from my credit report. The INQUIRY date reported is XX/XX/2022. The type of INQUIRY is XXXX XXXX XXXX XXXX There is also no phone number provided. During the dispute process XXXX provided me the phone number for this INQUIRY and I called PAYPAL and they said this is not there INQUIRY and they did not authorize this INQUIRY. I don't even have a PAYPAL account. PLEASE 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 explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

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 2023-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have been trying to get my hardship application approved through PenFed, but they keep saying theyre behind and it will take three weeks. Ive been battling XXXX since XXXX ( reinfected ) and have had reduced pay until I can test negative. PenFed said they were behind three weeks back in XXXX. Its almost XXXX, I need relief. 

I had the title of the vehicle sent by certified mail in XXXX. They received the tracking number and a photo of the receipt from USPS. Im still being called by them daily to inquire about it. It was sent to them last month, they should have it. 

My tags were registered in the wrong state. I requested that the dealership ( XXXX XXXX XXXX ) do Virginia tags, but they gave me Maryland in stead. They told me I have to go through the lender to correct it. I spoke with someone at PenFed who said the titling department will handle it, but have they need the title first. 

Ive done all I could by sending what was requested with no results.

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 2023-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I haven't received my XXXX XXXX for the months of XX/XX/2022 or XX/XX/2022. I have called the company numerous times to try and fix this problem to no avail. Every time I call they say they are creating a ticket to fix this problem but nothing ever gets fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

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 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I applied for a XXXX credit card but was refused because of " too many inquiries '' on XXXX. XXXX shows inquiries from : XXXX XXXX XXXXXXXX, XXXX XXXX TD XXXX XXXXXXXX and XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX : I have a current credit card always paid on time. 
XXXX XXXX who is this?? 
TD XXXX XXXXXXXX : a XXXX bank associated with XXXX. 
XXXX 's XXXX XXXX. : associated with XXXXXXXX XXXX  where I have a loan which is always current and paid on time. 

I made a purchase at XXXX this month. I DID NOT AUTHORIZE A HARD INQUIRY. 
CAN THEY RUIN MY CREDIT JUST BECAUSE I MADE A PURCHASE THERE??? 

I DID NOT AUTHORIZE ANY INQUIRIES FROM ANY OF THESE PLACES. IF I HAVE AN ACCOUNT IN GOOD STANDING, CAN A BANK MAKE THESE INQUIRIES WHICH EVIDENTLY IS RUINING MY CREDIT. MY SCORE IS HIGH 700 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$150.00} Amount {$150.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$190.00} Amount {$190.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX Both of these are medical debts under {$500.00}. They refuse to remove them from my credit report as required by law. I have been dealing with the insurance company and medical bills directly. 

Every time I call they give me a different answer and time frame for when it will be removed. It is significantly affecting my report score and financial status.

Company response to consumer: Closed with explanation