vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 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: MO

Complaint narrative:
This in regards to a vehicle from XXXX XXXX with an open auto loan through XXXX XXXX  XXXX XXXX act # XXXX. XXXX XXXX did not provide me with Truth in Lending. This is a clear violation of my consumer rights. If they provided me with TILA then I would have known that the alleged vehicle was not funded. XXXX XXXX provided me with a vehicle on or around XX/XX/2022. I did not have full amount that they were asking for but they still allowed me to purchase vehicle without insurance. I stated to the sales rep that I was not fully comfortable with the car that they provided for me because XXXX, right now in XXXX XXXX MO have a high theft alert. They then stated that I could not return car once I drove off the lot which is another violation of TILA and regulation Z which clearly states they are to provide consumers with rescission rights. XX/XX/XXXX the vehicle still had not been funded. I waited until XX/XX/XXXX to try and return car again seeing that it had still not been funded and thats when the vehicle was stolen. I have the police report with complaint # XXXX and it will be attached. I contacted the sales rep and he tried to make me feel bad by saying to not say anything since I did not give them what they originally wanted for the car to begin with. He said that he would take care of the situation. XX/XX/XXXX XXXX XXXX  XXXX XXXX posted on my consumer report and began requesting payments. I did not give them permission to post anything on my consumer report. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Once I seen the posting I immediately contacted the sales rep at XXXX XXXX where I was told the sales rep no longer worked there. XXXX XXXX falsified information to get me into a car and has not tried to help resolve this. They are damaging my consumer report because XXXX XXXX  is marking late payments and adding interest on a vehicle that I don't have and never was supposed to have to begin with. By the time the first payment was supposed to be made and funding came through the car was already gone. XXXX XXXX is responsible for this and needs to handle this. I also will be filing with MO Secretary of State as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: MO

Complaint narrative:
This in regards to a vehicle from XXXX XXXX with an open auto loan through XXXXXXXX XXXX XXXX XXXXXXXX act # XXXX. XXXX XXXX did not provide me with Truth in Lending. This is a clear violation of my consumer rights. If they provided me with TILA then I would have known that the alleged vehicle was not funded. XXXX XXXX provided me with a vehicle on or around XX/XX/2022. I did not have full amount that they were asking for but they still allowed me to purchase vehicle without insurance. I stated to the sales rep that I was not fully comfortable with the car that they provided for me because KIAs, right now in XXXX XXXX MO have a high theft alert. They then stated that I could not return car once I drove off the lot which is another violation of TILA and regulation Z which clearly states they are to provide consumers with rescission rights. XX/XX/XXXX the vehicle still had not been funded. I waited until XX/XX/XXXX to try and return car again seeing that it had still not been funded and thats when the vehicle was stolen. I have the police report with complaint # XXXX and it will be attached. I contacted the sales rep and he tried to make me feel bad by saying to not say anything since I did not give them what they originally wanted for the car to begin with. He said that he would take care of the situation. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX posted on my consumer report and began requesting payments. I did not give them permission to post anything on my consumer report. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Once I seen the posting I immediately contacted the sales rep at XXXX XXXX where I was told the sales rep no longer worked there. XXXX XXXX falsified information to get me into a car and has not tried to help resolve this. They are damaging my consumer report because XXXX XXXX  is marking late payments and adding interest on a vehicle that I don't have and never was supposed to have to begin with. By the time the first payment was supposed to be made and funding came through the car was already gone. XXXX XXXX is responsible for this and needs to handle this. I also will be filing with MO Secretary of State as well.

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 2023-05-11 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: VA

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 name : XXXX XXXX Account name : XXXX XXXX XXXX has violated my rights. 

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 2023-05-11 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: VA

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 name : XXXX XXXX Account name : XXXX XXXX Co has violated my rights. 

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 2023-05-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This dispute is for in accurate information held against me from Chase in their database I ask that by the fair credit reporting act law they delete those in accurate files because they claim not to have access to their furniture, but they themselves are furniture, and they hold a in accurate result, but not the actual files themselves. Making it very illegal and unfair for me. Therefore, I am asking compensation. I also request for Chase after deleting those files to reconsider me and approve me for the credit card that I recently applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Creditor is calling someone who is not me. I have tried to reach them through mail for debt validation and no response. The person they contacted was given all directions on how to look into a debt they say I owe and even provided the last 4 of my SSN in order for him to sign in to look at personal information. This person is NOT my spouse. The companies name is Portfolio recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc.
State: KY

Complaint narrative:
I used the Afterpay service to finance a line of credit to purchase a product from a third-party merchant. I placed the order on XX/XX/XXXX, and immediately the merchant emailed to let me know the item was out of stock so they were cancelling the order, and I wouldnt be charged. However, on XX/XX/XXXX I realized that Afterpay was still holding the {$140.00} on my account with them, and which I had already made my first installment plan payment of {$45.00} on XX/XX/XXXX. The merchant said that the {$140.00} authorization hold should have been dropped off by now, seeing as it usually only takes 24-48 hours, and that they never charged Afterpay the {$140.00} for the order, since it was cancelled. However, each time I contact Afterpay they have said that they are waiting on a refund from the merchant to which Ive repeatedly explained that there is no refund being issued by the merchant, because the merchant never charged the {$140.00} for the order. Afterpay then said they will have until XX/XX/XXXX to refund the {$140.00} balance to my account, 8 days after the order was cancelled. This issue should have been resolved by afterpay on XX/XX/XXXX, as the authorization hold should not have remained past 48 hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I've notified Experian I was the victim of identity theft a year and a half ago and had locked and frozen my credit at that point. This weekend I had received notifications that my file was unlocked and there were applications that resulted in credit inquiries today. I called Experian and found out that my entire online profile had been taken by a fraudster they had changed the security question, email, and phone number leaving me with no access to my account with no contact from Experian. I have 2 active monitoring services and thanks to them I was able to catch this. I tried to question Experian on the changes made to the account and they had no answers other than it was a hack, how a credit reporting agency would accept substantial changes from a known fraud victim without a single question is beyond me. I have mailed and faxed them the identity verification bbut in the next 30 days that it takes them to validate I am myself I have no control over my own credit report and am unable to get a copy if I tried. I just feel they must be held to a higher standard as a financial institution of their size and influence or they will hurt other consumers badly. I had 2 applications come in this morning because this bad actor was able to unfreeze my credit and apply for a loan on a XXXX and an XXXX 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 2023-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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: FL

Complaint narrative:
Upon reviewing XXXX XXXX XXXX co response to my complaint I noticed XXXX XXXX XXXX co statements were in violations with the FCRA. XXXX XXXX XXXX costated stated that XXXX XXXX XXXX co must provide complete and accurate information to the CRA. As XXXX XXXX XXXX reviewed my consumer report I underlined multiple unacurate and incomplete information provided by the XXXX XXXX XXXX co to the consumer reporting agencies. I have attached a copy of my consumer report to this complaint as proof. Also XXXX XXXX XXXX co failed to provide me XXXX XXXX the consumer documentation stating that I XXXX XXXX authorized XXXX XXXX XXXX co to report transactions to the credit reporting agencies. XXXX XXXX XXXX co stated that I XXXX XXXX requested to report a ( {$0.00} ) XXXX balance to the consumer reporting agencies that also is false.I XXXX XXXX will NEVER tell any creditor to lie and or go against any FCRA guidelines.I XXXX XXXX requested XXXX XXXX XXXX co to DELETE all unacurate, incomplete and unauthorized transaction from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: FL

Complaint narrative:
Upon reviewing XXXX XXXX XXXX co response to my complaint I noticed XXXX XXXX XXXX co statements were in violations with the FCRA. XXXX XXXX XXXX costated stated that XXXX XXXX XXXX co must provide complete and accurate information to the CRA. As XXXX XXXX XXXX reviewed my consumer report I underlined multiple unacurate and incomplete information provided by the XXXX XXXX XXXX co to the consumer reporting agencies. I have attached a copy of my consumer report to this complaint as proof. Also XXXX XXXX XXXX co failed to provide me XXXX XXXX the consumer documentation stating that I XXXX XXXX authorized XXXX XXXX XXXX co to report transactions to the credit reporting agencies. XXXX XXXX XXXX co stated that I XXXX XXXX requested to report a ( {$0.00} ) XXXX balance to the consumer reporting agencies that also is false.I XXXX XXXX will NEVER tell any creditor to lie and or go against any FCRA guidelines.I XXXX XXXX requested XXXX XXXX XXXX co to DELETE all unacurate, incomplete and unauthorized transaction from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: AL

Complaint narrative:
My loan has been canceled and closed. My payment history has not been removed from my credit report. My report is still showing late payment history

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 2023-05-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX Credit AEEI XX/XX/XXXX Bloom XXXX XX/XX/XXXX XXXX XXXX Fianc XXXX XXXX XXXX XXXX XX/XX/XXXX Discover Financial XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX American Credit ACCE XX/XX/XXXX XXXX Bank DE XX/XX/XXXX XXXX Bank DE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: HI

Complaint narrative:
I sent Experian and XXXX certified letter showing my XXXX payment was never late. Call millions times.

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 2023-05-10 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: NJ

Complaint narrative:
On XX/XX/2017 i made a payment to XXXX XXXX  for a secured credit card. Eight days later they charged off my account and claimed I was 60 days late. How could I be 30 days late XXXX and 60 days late in XXXX, but nothing in XXXX. Experian has XXXX marked down as in good standing. But XXXX marked down as Charged off? Its not a loan? Its a credit card. How could I be charged off 8 days later after making a payment. When I reported it to Experian the gentleman by the name of XXXX sounded annoyed to be helping me with this. The results came back and im supposedly marked down as 60 days late both in XXXX and XXXX? How could I be 60 days late two months in a row? They didn't resolve the problem they just changed the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Synchrony Bank did not proactivlely protect me from over seas fraud by freezing the Sams Club XXXX XXXX XXXX XXXX Credit Card when I could not be reached by phone. While I was under medical care on XXXX XXXX XXXX XXXX of fraud was committed.

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 2023-05-10 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: FL

Complaint narrative:
My credit report is loaded with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting. Please remedy the situation immediately Non-compliance with regulations and the law is never acceptable. Consumer law requires to make sure that all claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements. I am requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries.

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 2023-05-10 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: FL

Complaint narrative:
My credit report is loaded with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting. Please remedy the situation immediately Non-compliance with regulations and the law is never acceptable. Consumer law requires to make sure that all claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements. I am requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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