vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting 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:
The debt has been settled and the IRS from XXXX has been accepted and received by your company. See to it your indenture trustee completes their fiduciary duty and settles the 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 explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Foursight Holding LLC
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this Creditor has violated my rights under 15 USC 1681 section XXXX to XXXX states I have the right to privacy ( 15 USC 1681 ( section XXXX XXXX XXXX a section XXXX ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, this statement is being generated on my own behalf. Per the FCRA, these accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681 Section 602, Section 1681c-XXXX, and XXXX B. These companies are in violation of these laws. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I am also a victim of identify theft. Per 15 U.S. code Section1681XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identify theft XXXX XXXX XXXX XXXX XXXX XXXX  XXXX POLICE AND FIRE XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, this statement is being generated on my own behalf. Per the FCRA, these accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681 Section 602, Section 1681cXXXX, and XXXX B. These companies are in violation of these laws. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I am also a victim of identify theft. Per 15 U.S. code Section1681cXXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identify theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
The company did not meet my request they sat back and watch me struggling trying to come up with money to pay them also did not apply money to my principal it went to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Made a large payment to my XXXX $ limit, they decided to lower my limit just days later, leaving me maxed out on the 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 explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
unknown inquiry on XXXX from CBNA on XX/XX/2023 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had a PayPal credit account in 2022 for around {$1800.00} or so. I went through significant hardship during divorce proceedings. They were harassing me very early on about late payments, much earlier than other credit companies. Before I could catch my breath to acknowledge the problem, they had already closed the account and sold the debt to an extremely aggressive debt collection company, XXXX XXXX. Considering Synchrony Bank is also behind Care Credit, these overly aggressive tactics seem scary for them to be behind a company that loans for health procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I had two credit cards from Amex, they were branded XXXX and XXXX. Over the course of several months I ran over XXXX $ through just one. I paid off the balances in full on time even early every time. They reported none of that to the credit bureaus. I gave them the opportunity to make it right, they said " no ''. Plus they violated the return protection offed in the XXXX Branded card. I can Prove EVERY SINGLE bit of these claims. Please help me out. It's not at all fair, infact is venomous, of them not to report when they checked first and would have ABSOLUTELY reported non payments. 

XXXX XXXX Cell : ( XXXX ) XXXX Home : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC.
State: MD

Complaint narrative:
Optum Bank has not made any of the enhancements to their system that they promised in their response to CFPB complaint # XXXX. Please note that the complaint was submitted over two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am trying to transfer a balance from my Synchrony/Verizon Visa to a XXXX XXXX card to get a better interest rate and Synchrony is refusing to take that payment as a balance transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: IL

Complaint narrative:
I would like these inquiries deleted. I did not authorize these companies to run my credit this is fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC
State: IL

Complaint narrative:
I would like these inquiries deleted. I did not authorize these companies to run my credit this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit reporting agency is reporting an undeliverable address. The addresses are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian data XX/XX/2024. The credit reporting company Experian shows several incorrect and irrelevant addresses, misspelled names, and phone numbers that are no longer relevant and/or are not my most recent address. I attempted to have them removed and was told that previous addresses are relevant to my 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 non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting 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: DC

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The XXXX XXXX XXXX of XXXX, Texas states I owe them {$7100.00} for a lease from XX/XX/XXXX. I have never lived there nor have I ever applied for an apartment in XXXX, Texas. I have lived at the same address in XXXX, Texas since XXXX. My driver license, mortgage bill, electric bill, water bill and more can prove this. I tried to dispute this with XXXX and they said it was a valid debt. This is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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. 

XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

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 : XXXX | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX* 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

My dispute remains unresolved, and I am deeply concerned about the negative impact these inaccurate accounts are having on my credit score and financial well-being. I have provided substantial evidence supporting my claim.

I urge you to immediately investigate these discrepancies and remove the disputed accounts from my credit report permanently. Failure to do so within 15 days will unfortunately force me to escalate this matter further.

Please be advised that I have contacted the Pennsylvania Attorney General 's Office to seek guidance and assistance in resolving this issue. Additionally, I am prepared to pursue legal action for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. This includes the potential for seeking damages arising from the harm caused by these inaccurate reports.

Please respond to this letter within 15 days with a confirmation of the removal of the disputed accounts. I look forward to a prompt and satisfactory resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received a letter ( attached ) dated XX/XX/XXXX, from Capital One, with whom I have been a customer for many years. I add here that I have NEVER had a late payment and have had months of " no activity '' on this card over the years, because I do not like to use credit cards. And I am very proud of my XXXX credit score. 

The letter states that " over the last several months, the balance on this account has been significantly lower than your credit limit. Because of this, your credit limit could be decreased following this review. '' I sincerely paid no attention to this letter after reading it because I felt it was just another " ploy '' to have me rush right out and use the credit card ( the " could be decreased '' was my decision point to take no action ). Again, my payment record has been pristine and I admit I do not use the card very much. The letter said I had until XX/XX/XXXX, to opt out. I did nothing. 

On XX/XX/XXXX, I received an email ( which I regret I deleted ) to inform me that my credit limit of XXXX had been changed to XXXX. While unto itself this is not a life or death situation, as soon as I began to XXXX the potential impact this change might have on my STUNNING credit score - which contains heaps of the negative reasons why credit limits are lowered/impact your credit score but nothing about the positive of " you use your card wisely and the credit card company doesn't like that '' - I immediately called your number. 

I do not think it is FAIR in any way to have Capital One lower my credit limit because I am RESPONSIBLE with my use of their credit card. My motivation for filing this complaint is twofold : To ask how that this is even allowed to happen in the first place for my specific " uses credit wisely '' situation AND that this change may negatively impact my credit score!! It is NOT fair to me, as a responsible credit card holder, to now have a greedy company take actions that may negatively impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit. I have sent numerous letters requesting for Equifax to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests.

Company response to consumer: Closed with explanation