vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 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

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account Number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2024-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
TARGET violated my rights In accordance with the Fair Credit Reporting Act, under 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. TARGET has also violated the Minnesota Commerce Department ( PCFA ) by violating my right to delete, my right to opt out, and my right to limit. I provided TARGET two ( 2 ) notices exercising my rights under FCRA, FDCPA, and PCFA and they continue to recklessly and negligently violate my rights. TARGET also has also violated my rights to privacy under the 1974 privacy act by sharing my personal information with the credit reporting agencies : namely, XXXX and XXXX. TARGET has also committed securities fraud by using my personal information and the note attached to the installment agreement, as receivables to put into their trust and continue to make profit by continuously trading those notes on the primary and secondary markets. This is all according to their own company 's 424B prospectus. However, TARGET failed to remit the equitable interest to me as a silent investor and bonafide purchaser into their company. Lastly, I sent to TARGET a properly indorsed and endorsed note, giving it value, for TARGET to satisfy any outstanding financial obligations but remit to me the equity to which I am claiming all rights, titles, and interests and revoking the same from TARGET. TARGET is also in violation of 15 USC 1692g ( a ) as they have not communicated any debt owed in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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:
Credit Agency was mailed FTC report to delete all inaccurate fraudulent accounts, addresses, and employment history on my consumer credit file. Credit Agency failed to provide legal validation off the alleged debts within lawful time frame. Reporting invalidated information constitutes fraud under Federal and State Laws.

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 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Several years ago I purchased a car at a used car dealer with credit acceptance. They gave me a 28 %. This was in XXXX  I think. They added an extended warranty for XXXX $ when I tried to use it they said that because the mileage was altered on the contract ( finance manager wrote over the number by mistake ) they couldnt honor the warranty. They said the mileage was wrong. So I was left paying for a car with no engine and not being able to repair. I finished paying the loan and for a car that was XXXX I ended up paying in fees etc XXXX dollars during 4 years. And again no car to show for it. I went back to the dealer and they were closed down so I was never able to resolve the issue.

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 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Credit Agency was mailed FTC report to delete all inaccurate fraudulent accounts, addresses, and employment history on my consumer credit file. Credit Agency failed to provide legal validation off the alleged debts within lawful time frame. Reporting invalidated information constitutes fraud under Federal and State Laws.

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 2024-03-07 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:
Credit Agency was mailed FTC report to delete all inaccurate fraudulent accounts, addresses, and employment history on my consumer credit file. Credit Agency failed to provide legal validation off the alleged debts within lawful time frame. Reporting invalidated information constitutes fraud under Federal and State Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Reference # XXXX XXXX XXXX CHARGED MY ACCOUNT XXXX DOLLARS AND I REPORTED TO CHASE AS FRUAD. THEY CHARGED ME XXXX DOLLARS EVERY SIGNLE TRANSCATION, YET CHASE CLOSED MY CLAIM AND SAYING THAT IT IS NOT FRUAD. 

CHASE IS REFUSING TO LOOK INTO THIS AND I'M MISSING XXXX DOLLAR FROM CHASE. 

HOW CAN 50 TRANSCTION WITH XXXX DOLLAR SAME AMOUNT NOT BE FRAUD?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have encountered persistent issues with XXXX XXXX 's reporting practices, specifically regarding a paid charge-off that has been erroneously re-reported on my credit each month. 

Despite the credit bureaus having deleted this entry, XXXX XXXX continues to inaccurately report it, resulting in ongoing negative impacts on my credit score. 

Despite my repeated attempts to rectify this matter with both XXXX XXXX and the credit bureaus, they have been unwilling to investigate or correct the error. 

This continuous reporting of a paid charge-off is not only misleading but also damaging to my financial reputation.

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 2024-03-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern, Im am reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. Equifax, and XXXX are consumer reporting agencies and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. 

15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title.

Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal.

In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. 

XXXXXXXX XXXX XXXX is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates. XXXXXXXX XXXX XXXX, The financial institution does not have my consent to furnish this information and does not have my written consent. All consent to Equifax, XXXX, XXXX XXXX XXXXXXXX wether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose non public personal information to a non affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXXXXXX XXXX XXXXXXXX never informed me of my right to exercise my non disclosure. 

Equifax and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: NY

Complaint narrative:
I checked my credit profile and came across inquiries that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit Bureau took more than 30 days to complete my investigation

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit Bureau took more than 30 days to complete my investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute an unauthorized inquiry that appeared on my credit report. The inquiry in question was not initiated or authorized by me, and I believe it is a result of fraudulent activity.

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 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-03-07 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: TN

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-03-07 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: MN

Complaint narrative:
SYNCHRONY BANK violated my rights In accordance with the Fair Credit Reporting Act, under 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. SYNCHRONY BANK has also violated the Minnesota Commerce Department ( PCFA ) by violating my right to delete, my right to opt out, and my right to limit. I provided SYNCHRONY BANK two ( 2 ) notices exercising my rights under FCRA, FDCPA, and PCFA and they continue to recklessly and negligently violate my rights. SNYCHRONY BANK also has also violated my rights to privacy under the 1974 privacy act by sharing my personal information with the credit reporting agencies : namely, XXXX and XXXX. SYNCHRONY BANK has also committed securities fraud by using my personal information and the note attached to the installment agreement, as receivables to put into their trust and continue to make profit by continuously trading those notes on the primary and secondary markets. This is all according to their own company 's 424B prospectus. However, SYNCHRONY BANK failed to remit the equitable interest to me as a silent investor and bonafide purchaser into their company. Lastly, I sent to SYNCHRONY BANK a properly indorsed and endorsed note, giving it value, for SYNCHRONY BANK to satisfy any outstanding financial obligations but remit to me the equity to which I am claiming all rights, titles, and interests and revoking the same from SYNCHRONY BANK. SYNCHRONY BANK is also in violation of 15 USC 1692g ( a ) as they have not communicated any debt owed in writing.

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 2024-03-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I am writing to formally file a complaint against Professional Debt Mediation , Inc egarding their erroneous reporting of fraudulent and identity theft accounts associated with my name. Despite my previous disputes, I have received no satisfactory response, and the unjust claims persist on my credit report. 

I HAVE ATTACH MY POLICE REPORT TO THIS COMPLAINT PLEASE SEE ATTACHMENT : Details of the Disputed Accounts : Professional Debt Mediation , Inc Account : Account Number : XXXX Date of Dispute : XX/XX/2023 Description : This account resulted from identity theft, and I have previously disputed its validity without resolution. 

Description : This account is also a result of identity theft, and despite my repeated attempts to rectify the situation, the erroneous reporting continues. 
I have diligently provided all necessary documentation to support my claim of identity theft, yet the mentioned agencies have failed to conduct a thorough investigation and discharge these fraudulent accounts. This persistent false reporting has adversely affected my creditworthiness, causing unwarranted financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX did not block information on my credit report as promised im a victim of id theft information they reporting saying it accurate and i try many time to fix it with the compaines XXXX XXXX XXXX XXXX XXXX # XXXX # XXXX these account are do from id theft i sent mant document and police report ftc report they refuse to hornor my report they violating my rights 15 usc 1681i 605 b Section 623 ( a ) ( 6 ) Section 606 they not giving me fair reproting also linking my information to other credit llc.

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 2024-03-07 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: CA

Complaint narrative:
XXXX did not block information on my credit report as promised im a victim of id theft information they reporting saying it accurate and i try many time to fix it with the compaines XXXX XXXX XXXX XXXX XXXX # XXXX # XXXX these account are do from id theft i sent mant document and police report ftc report they refuse to hornor my report they violating my rights 15 usc 1681i 605 b Section 623 ( a ) ( 6 ) Section 606 they not giving me fair reproting also linking my information to other credit llc.

Company response to consumer: Closed with non-monetary relief