vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 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: CA

Complaint narrative:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. 
Based on my most current consumer report Experian is reporting utilization on my credit report from ALL MY OPEN CREDIT CARD ACCOUNTS ( 22 total including authorized user accounts ). According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Which means the consumer being me and the person making the report which are all the credit card companies I have personal business accounts wit. Utilization is an experience created by credit usage. Experian has reported the utilization of every credit card account on my credit profile which is an experience created by my credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. Please furnish the agreement that states I gave permission to have your reporting agency to publish my personal experiences and transaction history. I never gave Experian written instructions to report anything to my consumer report, regarding late payments or utilization to be furnished to my credit report. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states 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 method undermined the public confidence with is essential to the continues function of the banking system. By Experian reporting the Utilization my privacy and personal transaction history with each credit card company I have private business with has been violated due to Experian violating my consumer rights by allowing the credit card utilization to report to my consumer report! I expect this matter to be handled in a timely fashion.

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2023-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC
State: SC

Complaint narrative:
On XX/XX/2023 I went in XXXX trying to do a consumer credit transaction to acquire an asset. A application was done the company stated that I needed to put {$8000.00} down. I asked the company did they operate under TILA. They stated yes they did. I know in a consumer credit transaction that a specific down payment is required in connection with any extension of consumer credit, unless the CREDITOR usually and customarily arranges downpayments in that amount.

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 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I financed a portion of a medical procedure since there was a promotion for 24 months interest free financing. When I opened the account, I reached out to the company, CareCredit, to confirm that my recurring monthly payment was sufficient to pay off my balance in full within the 2-year promotional period. I was advised this payment amount was appropriate and I set up my recurring payments. 

I realized today that my account still has a balance and that my balance was not paid off within the promotional period. As a result, all the accrued interest has been added to my balance ( nearly the same amount as the portion I financed ). When I reached out to CareCredit they stated there was nothing they could do regarding the interest and that any information communicated regarding payments were just approximations and that they can not be held responsible. As a result, I now have to pay $ XXXX in interest on a ~ {$2000.00} credit loan.

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 2023-02-23 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: NV

Complaint narrative:
In the accordance with the fair Credit Reporting Act. the XXXX of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

DEPT OF EDXXXX XXXX XXXX OF XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX  DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX  DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX  DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 8784 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 States : it also states that 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 the 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 reporting agency if a 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 2023-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute several items on my credit report, which I believe were reported in violation of various consumer protection laws, including FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

The following accounts and details are reported on my credit report : XXXX XXXX XXXX XXXX - late payment account XXXX - collection account XXXX XXXX - collection account XXXX XXXX XXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX XXXX XXXXXXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX - collection account XXXX - collection account I am disputing these items on my credit report because I believe they were reported in violation of several consumer protection laws. The creditors have failed to provide me with the proper notices required by the law, failed to investigate my disputes, and failed to report accurate information. 

For instance, the late payment account reported by XXXX XXXX XXXX XXXX was an error on their part. I have made all payments on time, and the late payment should not have been reported. 

Additionally, the collection accounts for XXXX XXXXXXXX and XXXX were reported without proper validation of the debt. I have requested validation of these debts, but have not received any response from the creditors. 

Furthermore, the charge off accounts reported by XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX  were reported inaccurately. The debts were paid in full, but the creditors failed to update the information on my credit report. 

In conclusion, I request that these items be removed from my credit report immediately, and that the creditors comply with all relevant consumer protection laws. Please provide me with a written response regarding the investigation of these disputes. 

Thank you for your attention to this matter. 

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 non-monetary relief
Consumer complaint received 2023-02-23 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: WI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute several items on my credit report, which I believe were reported in violation of various consumer protection laws, including FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

The following accounts and details are reported on my credit report : XXXX XXXX XXXX XXXX - late payment account XXXX - collection account XXXX XXXX - collection account XXXX  XXXX XXXX XXXX - charge off account XXXX XXXX XXXXXXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX - collection account XXXX - collection account I am disputing these items on my credit report because I believe they were reported in violation of several consumer protection laws. The creditors have failed to provide me with the proper notices required by the law, failed to investigate my disputes, and failed to report accurate information. 

For instance, the late payment account reported by XXXX XXXX XXXX XXXX was an error on their part. I have made all payments on time, and the late payment should not have been reported. 

Additionally, the collection accounts for XXXX XXXXXXXX and XXXX were reported without proper validation of the debt. I have requested validation of these debts, but have not received any response from the creditors. 

Furthermore, the charge off accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX were reported inaccurately. The debts were paid in full, but the creditors failed to update the information on my credit report. 

In conclusion, I request that these items be removed from my credit report immediately, and that the creditors comply with all relevant consumer protection laws. Please provide me with a written response regarding the investigation of these disputes. 

Thank you for your attention to this matter. 

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 2023-02-23 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: MN

Complaint narrative:
I am trying to get a business loan & in doing so noticed fraudulent reports on my account In accordance with the fair credit reporting act these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK XXXX ** have violated my rights under 15 usc 1681 sec 602 states I have the right to privacy. 15 usc section 604 a it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
my complaint since XXXX of XXXX was why XX/XX/XXXX was returned? 

My bank has record of fund received for 24 hrs then returned. I received no alerts of return payment.

Citi bank personal account records show. 
{$31.00} beginning balance * XX/XX/XXXX Mobile Purchase Sign Based XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX Restaurant/Bar {$23.00} remaining balance * XX/XX/XXXX ACH Electronic Debit XXXX XXXX XXXX  XXXX {$6.00} end balance * XX/XX/XXXX Returned Insufficient Funds - ACH Txn By returning the payment Macys then charged additional fees. 
{$24.00} ytd fees XX/XX/XXXX statement on {$10.00} alleged balance. By XX/XX/XXXX statement a {$110.00} charges on the {$10.00} balance. 
This was disputed in XX/XX/XXXX and Macys should have of investigated and stopped collections but continued to add fees until I finally paid {$16.00} in XX/XX/XXXX. My account say in dispute on Macys.com.

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 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called Transunion XX/XX/XXXX to inform them about the call I got from XXXX. 
I did a police report on XX/XX/XXXX I received a letter from Transunion on XX/XX/XXXX regarding the information they found XXXX XXXX XXXXXXXX XXXX was accurate. 
I'm disputing this decision. 
I've received paperwork through XXXX XXXX XXXX XXXX. I had the paperwork notarized and sent back. The problem is that their site has no phone number. They don't have my phone number, social security or or address.

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 2023-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Hi, I am desperately looking for help. My car totalled XX/XX/2023. Prior, I made every car payment. My car insurance company promptly sent Kia Finance the payoff and I also have GAP to cover the rest. The customer service at Kia Finance continue to have no record of payment although I have letter of guarantee and receipt of amount paid, my car insurance also tracked the money and can tell me time and date XXXX delivered. For almost 2 months now I have had no car and can not buy new until this is resolved. On top of that, Kia Finance calls about wanting a car payment so, soon my credit will be affected. How is it legal for a company to hold XXXX XXXX and not post it to your account and ruin your credit at the same time. Please someone help me.

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I can have money on my card and well Fargo will take money and claim, its been overdraft or pending and makes my account negative, this been going on for months now, thats why I barely use my account scared if my money will be taken or not and they now charging {$5.00} for just having the account open never once did that before.

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 2023-02-23 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: AZ

Complaint narrative:
On XXXX/XXXX/2023 Transunion reported a hard credit inquiry on my credit report from XXXX XXXX XXXX XXXX. After contacting XXXX several times they showed no record of any credit application past or present ( I have never had any business with them. They further told me to contact the credit Bureau and file a dispute. I tried multiple times to file the dispute both online and via phone with a Transunion representative. Transunion told me to : 1st contact - file a police report about fraudulent use ( what fraud? ) 2nd contact - Get a letter from XXXX stating they have no info about this ( they have never done this ) 3rd contact- we can not help you ( they are the only ones with the erroneous report Both Transunion and XXXX have not offered me a solution to their problem

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
Around early XXXX I contacted the XXXX fraud department to update some inaccuracies on my credit report. There seems to have been a mix-up on the agent 's end as he deleted my current residence in error as there were multiple addresses similar to my current address. This was made in error my current address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Since then, I have not been able to access my current credit reports and scores. I have provided the documents that were requested by XXXX to verify my identity. I am in the process of purchasing a home, this is affecting my purchasing. 

There are also fraudulent items that do not belong to me, and I have included my FTC in my previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
The original debt was with Commenity bank XXXX XXXX XXXX XXXX XXXX and from there last record the debt was paid off completely for {$29.00} on XX/XX/XXXX and I asked them to close my account due to me no longer needing the credit card. Now months later they've sold the debt to XXXX XXXX, it was charged off onXXXX and sold on XX/XX/XXXX to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: OR

Complaint narrative:
I purchased a Vanilla Visa card for my grandson and he was told there was insufficient funds for his purchase. I checked his account and found fraudulent charges as follows : {$68.00} on XXXX,22 {$68.00} XXXX XXXX/XXXX/22 {$9.00} XXXX XXXX/XXXX/22 {$1.00} XXXX XXXX/XXXX/22 I filed complaint case # XXXX and was told it would be 60-90 days to investigate I finally got a letter saying the case was resolved and I would receive a replacement card.More than a week later I got the card and when I activated I found they returned only {$78.00}. They still owe me {$69.00}. 

I saw a report on XXXX evening news about Vanilla Cards issuing cards with XXXX balance.This company needs to be investigated!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: TX

Complaint narrative:
On XX/XX/2021 my wife and I stopped by a kitchen remodel store called XXXX XXXX. We had a meeting with their sales rep and they said they could build us a new kitchen. After the meeting we signed a contract. Three days later we cancelled and told the sales rep. He said he would notify the owner but days later we received three credit cards from Synchrony bank totaling close to {$34000.00}. We have tried contacting Synchrony home since XXXX XXXX XXXX and they still do not resolve. We told them that we have not received any good or services from the owner of XXXX XXXX XXXX XXXXXXXX . Synchrony home always takes the merchant 's side. I have told Synchrony all they need to do is send investigator over to our house to show us what XXXX XXXX has provided for us. Nothing was provided and they want to charge us. They need to send bill and charges to XXXX XXXX because he must have taken the money from Synchrony and ran, never providing us with any goods or services.

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