vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I HAVE TRIED FOR YEARS TO HAVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I AM NOT SURE HOW BMW FINANCIAL GOT A HOLD OF MY PERSONAL INFORMATION BUT THE ACCOUNTS ARE NOT MINE, I NEVER PERSONALLY SIGNED ANY CONTRACTS WITH BMW OR ANY OF THEIR AFFILIATES TO GET HTESE 2 LOANS, I HAVE REACHED OUT TO THE FAIR TRADE COMMISSION, I HAVE REACHED OUT THE BUREAUS. FOR YEARS I HAVE NOT GOTTEN A RESOLUTION. AGAIN THESE ACCOUNTS WERE NEVER OPENED BY ME, I HAVE MADE IT VERY CLEAR TO BMW REPRESENTATIVES THAT THESE ACCOUNTS ARE NOT MINE, BUT THEY SEEM TO BE VERY CARELESS IN UNDERSTANDING THE FACT THAT I AM A VICTIM AND I NEVER OPENED THESE ACCOUNTS, ANY PAYMENTS MADE ON ANY OF THESE ACCOUNTS CAME FROM BANK ACCOUNTS THAT I NOT MINE, WHY IS BMW PENALIZING ME JUST BECAUSE THEY DIDN'T DO A GOOD JOB IN OBTAINING ACCURATE INFORMATION. I EVEN WENT TO SMALL CLAIMS COURT AND STILL NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: EQUIFAX, 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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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 : [ REGIONAL ACCEPTANCE CO ] [ XXXX ] XXXX : [ REGIONAL ACCEPTANCE ] [ XXXX ] XXXX : [ REGIONALAC ] [ 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 2024-03-22 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: DE

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-03-22 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: 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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: 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. 

Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-03-22 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:
After examining my Consumer Reports, I discovered four instances of late payments on an account where I have always been punctual. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. I've consistently made timely payments for my XXXX XXXX account, starting with XXXX XXXX I urge you to investigate this matter and furnish proof, such as statements, demonstrating the alleged late payments. If such proof can not be provided, I request that these payments be corrected to reflect their accurate, on-time status, as I have never missed a payment. Thank you.

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 2024-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AK

Complaint narrative:
Received a suspicious call that seemed like spam around XXXX time frame regarding apartment resided in 1 year ago having balance to pay to collection. Called apartment and they verified no debt owed and stated was likely a scam. Noticed on XXXX XXXX collections on credit report. Called apartment again ( XXXX XXXX ) and they verified again, no debt owed and ccd me on email to XXXX XXXX  this needed to be fixed. Contacted Genesis and spoke with XXXX ( XXXX? ) XXXX he aggressively told me I owed money and wouldnt allow me to explain this was not true and I had statement of proof to submit and request how to submit. He said it was an excuse and I owed and knew how to login to a portal to pay because of communications and correspondence. Told him I never received notice which he said was a lie. He told me I was given a case number of sorts and I told him I didnt have because I never received contact and just wanted to submit the invoice I have stating XXXX owed. He was extremely rude and said I received calls, texts, phones calls and to stop playing XXXX and just pay. 
I tried to submit into their portal and couldnt because it asked for company. I sent inquiry via site and received no response. I called later in afternoon and spoke with XXXX who said only I could email her and they couldnt email me with contact info on how to submit via email. I called XX/XX/22 genesis and was connected to XXXX XXXX again and asked for update on dispute- he only stated how to pay and I told him I spoke with him yesterday and was unable to use portal as he stated I should be able to. He started getting rude so I asked to speak with supervisor as I was suspicious to their dealings and professionalism and he was rude and transferred me. I spoke with XXXX XXXX and told him my issues and he stated they misspoke previously about portal and I could send PDF to him directly. I asked him why I was never contacted about and only seen on credit report and he stated they could not call me until correspondence and said it was my fault I didnt provide forwarding information to apartment. I stated apartment was given and they clearly had all my information ( phone, email ). He then gave me email and phone number. I again iterated that asked to clarify that XXXX told me they attempted text, phone, email which was not accurate because XXXX just stated they couldnt without correspondence via mail first. He immediately retracted and tried to get off phone with me. I told them I was detailing and documenting any and all information going forward as I was sure their business practices did not align with federal laws. I attempted to send email to him with document of PDF with stating no balance and received an email back that stated his email was not valid and not able to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: NC

Complaint narrative:
I would like for XXXX and Equifax to remove the following accounts from my credit report since I've been the victim of fraud and id theft : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and all of the hard inquiries on my credit report as well as regional finance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: DE

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-03-22 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: DE

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: NV

Complaint narrative:
XXXX has fixed the transaction history that was illegally reported per the privacy act, but failed to fix the inaccuracies on the report including labeling the account as " Repossessed/Never Late '' but did not remove the transactional dates either. On trans union, it states that the payment is XXXX and XXXX states XXXX with a balance owed of XXXX which neither of those payment amounts line up to that balance. This company has harassed me, stole a vehicle to which i hold a lien to title as well as the title, has harassed my family, employer and friends. This account is to be removed, and this company is to halt all harassment immediately. 

Attached is proof of inaccuracies including dates " missed '', inaccurate payment amounts, inaccurate, name and address reporting, inaccurate APR and falsely reporting a repossession on my credit report. 

This is to be fixed across all credit reporting agencies immediately. 

Also, after illegally removing the vehicle from my possession CAG has not provided me with a letter of intent, which i have provided them with notice of default, as well as intent to cure, both of which i have received no response too.

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 2024-03-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX has fixed the transaction history that was illegally reported per the privacy act, but failed to fix the inaccuracies on the report including labeling the account as " Repossessed/Never Late '' but did not remove the transactional dates either. On XXXX XXXX, it states that the payment is XXXX and Experian states XXXX with a balance owed of XXXX which neither of those payment amounts line up to that balance. This company has harassed me, stole a vehicle to which i hold a lien to title as well as the title, has harassed my family, employer and friends. This account is to be removed, and this company is to halt all harassment immediately. 

Attached is proof of inaccuracies including dates " missed '', inaccurate payment amounts, inaccurate, name and address reporting, inaccurate APR and falsely reporting a repossession on my credit report. 

This is to be fixed across all credit reporting agencies immediately. 

Also, after illegally removing the vehicle from my possession CAG has not provided me with a letter of intent, which i have provided them with notice of default, as well as intent to cure, both of which i have received no response too.

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 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2024-03-22 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am writing to bring to your attention a serious violation of my consumer rights by Rooms to go which has recently placed a collection on my consumer report without adhering to relevant laws and regulations overseen by the Consumer Financial Protection Bureau ( CFPB ). 

Under the provisions outlined in 12 CFR 1006.34 ( b ) ( 5 ), I am entitled to validation information from any collection agency that places a collection on my consumer report. Despite my repeated attempts to obtain this information from Rooms to go, they have failed to provide it, thereby disregarding my rights as a consumer.

Additionally, according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been provided with an opportunity to dispute the account in question. This failure to afford me this right is a clear violation of the regulations set forth by the CFPB.

Furthermore, it has come to my attention that XXXX XXXX is eng
aging in deceptive practices, including false and misleading representations. Such actions are in direct violation of my consumer rights and are unacceptable. 

Moreover, it is imperative to highlight that Rooms to go/ Syncb has furnished this account to consumer reporting agencies without providing the necessary disclosures required by law. This action is in direct violation of both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

Furthermore, I have reason to believe that Rooms to go is in violation of the statute of limitations set forth by the state of North Carolina. According to North Carolina state law, debts are subject to a statute of limitations, beyond which creditors or collection agencies can not legally pursue repayment. Syncb/Rooms to go actions may constitute an attempt to collect on a time-barred debt, which is unlawful under North Carolina statutes. 

I am deeply concerned about the impact of Rooms to go/ Syncb actions on my financial well-being and my rights as a consumer. Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate enforcement action against rooms to go/syncb for their violations. 

Enclosed you will find copies of relevant correspondence and documentation supporting my claims. I am also available to provide any further information or assistance necessary to facilitate a thorough investigation into this matter. 

Thank you for your attention to this urgent issue. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to ensure that my rights, as well as those of other consumers, are protected.

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 2024-03-22 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 am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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