vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-21 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX / XXXX CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XXXX, XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2022-05-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XXXX, XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.

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 2022-05-21 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: TX

Complaint narrative:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: TX

Complaint narrative:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.

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 2022-05-21 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: IL

Complaint narrative:
I filed previous complaints against Equifax number XXXX and number XXXX. Equifax closed my complaints and refused to comply with my demands. The fraudulent and unauthorized inquiries are as follows : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXEQUIFAX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX UPDATE XXXX XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.

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 2022-05-21 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: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 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 2022-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PENTAGON FEDERAL CREDIT UNION
State: WV

Complaint narrative:
XX/XX/XXXX Re-financed SUV from XXXXXXXX XXXX  to PenFed Credit Union XX/XX/XXXX - Received correspondence from PENFED Credit Union they had not yet received title or any evidence of a perfected lien and to immediately send to them. 
XX/XX/XXXX - Mailed copies of XXXX XXXX  information showing account had been paid in full and a copy of the Certificate of Title to PenFed Credit Union in a self addressed envelope they had provide addressed to XXXX XXXX XXXX, XXXX, CA XXXX as requested. 
XX/XX/XXXX - Received correspondence from PenFed requesting I sign and return to them a West Virginia Division of Motor Vehicles " Voluntary Lien Created After Issuance of Original Title '' provided by them to the same address above. 
XX/XX/XXXX - Signed and return requested form. 
XX/XX/XXXX - Received correspondence from PenFed advising me they had a " system flaw '' and were informing me of a correction to the promissory note dated XX/XX/XXXX correcting the maturity date to XX/XX/XXXX. 
XX/XX/XXXX - Received correspondence dated XXXX advising me they were raising the APR on the subject vehicle a XXXXXXXX XXXX from a fixed rate " secured '' loan@ 1.99 % to 14.00 % theri " Highest closed end unsecured loan '', a {$190.00} increase in monthly payments to ne effective XX/XX/XXXX because of my failure to provide the requested copies of the title and loan pay off information from XXXX XXXX  which I had sent to them on XX/XX/XXXX. 
XX/XX/XXXX - I called XXXX the number they provided and spoke to " XXXX '' and explained the information above. She contacted her supervisor " XXXX '' who stated I would have to go to WV DMV, request a duplicate title and send to them via a service that provides a tracking number. This was necessary because they never received the title I sent on XX/XX/XXXX. I requested to speak to their supervisor but was told they would put in such a request but I would have to wait for one to call me back to discuss further but hey also would put in a request for a 60 day delay in raising the APR to 14 %. 
Obviously they are having issues with information handling on their end and are requiring me to take hours of my time and expense to provide them information I have already provided. Seems like a great excuse, " we never got it '' to raise my low rate to their highest

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 2022-05-21 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: AR

Complaint narrative:
UPDATED :! 5 USC 1681C-2 ( A ) I am enclosing my identity thief report. Block and delete the accounts and send an updated report and score to everyone that has requested it in the last XXXX months. I also included my Identification so that the companies will know that I am acting on my own behalf. I am not able to get an updated consumer report from experian and I have been complaining about this for 3 months now.

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 2022-05-21 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: LEXISNEXIS
State: AR

Complaint narrative:
UPDATED :! 5 USC 1681C-2 ( A ) I am enclosing my identity thief report. Block and delete the accounts and send an updated report and score to everyone that has requested it in the last XXXX months. I also included my Identification so that the companies will know that I am acting on my own behalf. I am not able to get an updated consumer report from XXXX and I have been complaining about this for XXXX months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
CareCredit by Synchrony charged {$1100.00} in retroactive interest on XX/XX/2022. 
I am certain retroactive interest was not part of our agreement and have asked for a copy of the terms and conditions as for some reason it is not available anywhere online not even when logged into my account. The first rep I spoke to on the websites CHAT BOX was XXXX XXXX who appeared not to know what a Terms and Conditions agreement was. She then asked me about something else and I had to correct her that I was only interested in receiving a copy of our agreement and how to do so. She then left the chat. 
The second person on the chat box was XXXX who also appeared not to know anything about contracts or agreements between Synchrony and their card holders. 
I need my copy of the terms and conditions so I can see if they lied to me about when interest starts, vs adding retroactive interest.

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 2022-05-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian refuses to allow Consumers to update their paid debt with credit cards or others immediately. They tell you you must wait until the Credit Card does its own reporting. 

XXXX and XXXX allows you to update it immediately. 

Why doesn't Experian? experian has many Clients and the clients as creditors want to charge consumers as much as possible so why hurry to update this information? 

I just paid down by 30 % all my XXXXXXXX XXXX but I have to wait weeks or a month or longer for them to report. this is one sided for the Co and not the consumer. 

Why???? Is it that Experian person are lazy and can't do the work to update it? 
the Vendor client would gladly report the consumer asap. this must stop. 

It should be illegal and must be changed. if the consumer is working on a refiance or new loan they want to apply now not in 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 explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I've reached out to TransU twice before to get them to clean up incorrect information. 
( letter # 1 dated XX/XX/22 - My direct request to you are as follows : Please remove the bankruptcy information, and please remove the addresses, phone numbers and names that do not match what I have listed at the top of this letter. Lastly, the current freeze should definitely remain in place. ) They responded on XX/XX/22 but still showed incorrect information. Ugh! 

( letter # 2 dated XX/XX/22 - I write TransU again. Your letter noted that the bankruptcy has been deleted. However, you are still reporting all of the various names ( or aliases ) and incorrect addresses, I am once again requesting to have that information removed/ deleted. Please provide a corrected report so that I can validate the correctness of the information you are sharing about the file with my name on it. ) They responded on XX/XX/22 with a form letter saying it didn't appear that a third party was improperly authorized to request my info. What?! 

I contacted them online initially and got no response so I sent 2 certified letters. I'm tired of this game and need some help from CFPB for TransU to take this seriously.

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 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit System XXXX XXXX XXXX XXXX, Ga XXXX ; XXXX XXXX XXXX  XXXX, XXXX, Ga XXXX XXXX I received a notice from National Credit System on XX/XX/2022 requesting payment for an alleged debt owed to XXXX XXXX XXXX XXXX I wrote to them on XX/XX/2022 via certified mail return receipt, requesting documentation for this debt. As of this date they have not responded or sent any documentation. I do not owe this debt! They reported this to the credit bureaus. My credit rating went from " Exceptional '' dropping to " Good '' which is two categories down and my rating dropped XXXX points because of their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Information on my credit report I incorrect. My name and address is incorrect. 

My name is : XXXX XXXX My address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Delaware 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 2022-05-21 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: AES/PHEAA
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a letter off on XX/XX/2022. To remove personal information that I don't want and shouldn't be on my account. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information. The information on my credit profile has been giving me a hard time for so many years now it's been hurting ever aspect of my life. From high payments on accounts to credit card denies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 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 2022-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On or about XXXX XXXXor XXXXof XXXX, I went to three car dealerships for a car loan and out of three i now have 16 inquiries on my credit report ; these are the ones I dont recognize XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.The car dealerships i went to was, XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX 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 2022-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One has been reporting a late payment on my consumer file with XXXX. XXXX and XXXX Capital One is reporting a late payment every month since XXXX XXXX and. XX/XX/2022 on a closed account which is in violation of my consumer right 15 USC 1681 ( c ) no adverse action shall not be reported 15 USC. 1681 ( s ) 2 Responsibility of Furnishers has violated my right to accurate information 15 USC 1681 ( I ) a 2 how promptness in how notifications should be handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
PayPal is charging me for charges I did not make. Email is incorrect link to account. I Contacted the collection co and together we figured that the charge was fraudulent. XXXX

Company response to consumer: Closed with non-monetary relief