vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau 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 or delete 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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Someone supplied this company with my phone number. I am not the contact they are looking for and they continue to call me from various numbers and do not leave messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: IL

Complaint narrative:
I recently received a copy of my consumer report for the first time in a long time and noticed that XXXX, XXXX, and Transunion are in violation of the Gramm Leach Bliley Act. The companies that are furnishing reports for them have already had a FTC report filed for failure to disclose the privacy notice in accordance with the GLBA and I had no idea that these companies would be reporting my transactions and experiences with them to a 3rd party on top of the fact that transactions and experiences aren't even included in a consumer report pursuant to 15 U.S. Code 1681d ( 2 ) ( A ) ( i ). I was never disclosed that this would happen with these companies and forsure did not get a paper giving me, the consumer, the opt out option for these situations. 

Accounts XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened 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 2023-12-14 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: IL

Complaint narrative:
I recently received a copy of my consumer report for the first time in a long time and noticed that Experian, XXXX, and XXXX are in violation of the Gramm Leach Bliley Act. The companies that are furnishing reports for them have already had a FTC report filed for failure to disclose the privacy notice in accordance with the GLBA and I had no idea that these companies would be reporting my transactions and experiences with them to a 3rd party on top of the fact that transactions and experiences aren't even included in a consumer report pursuant to 15 U.S. Code 1681d ( 2 ) ( A ) ( i ). I was never disclosed that this would happen with these companies and forsure did not get a paper giving me, the consumer, the opt out option for these situations. 

Accounts XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened 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 2023-12-14 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: DC

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX 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 2023-12-14 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: DC

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: DC

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX 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 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I purchased an item ( {$240.00} ) on XX/XX/2023 on XXXX which I did not receive. I paid additional ( {$14.00} ) for expedited shipping which includes signature on delivery. Items was shipped from XXXX ( I use expedited and signature on delivery generally, but specifically for all overseas deliveries ). Merchant admitted that items was shipped without the expedited shipping. Merchant did not refund either expedited shipping cost nor the cost of the item that was not delivered. Merchant 's delivery company states item was delivered, but there is no physical proof of delivery. I never took delivery of item. 

I filed a dispute and complaint with XXXX and then PayPal Credit ( Synchrony ) as that was the form of payment used. Synchrony dispute yielded a negative outcome and I am being held liable for charges.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
TD AUTO FINANCE please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX should be removed from my credit report IMMEDIATELY. You are trying to collect a debt which is over the statute of limitations in the state of Texas. The account was to be removed from my credit report in XXXX of XXXX, yet it is still reporting. You are also furnishing different information between the 3 bureaus such as the balance and the Date last active. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable and the account being over 7 years old. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
I found about earlier this year that a transaction had been done on my Swiss Colony account. When I found out about the transaction, I was XXXX  at the time. I had started getting emails from XXXX about the account being reported as not paid. I reached out to the company while I was XXXX  and they told me to dispute the charge. I told them I had no way of filing a fraud report via ftc while I was in the XXXX. They still continued to report that I am not paying them. 
They have placed these negative remarks on my credit report stating that I am over 200 days past due. I have since filed the fraud report and had it notarized to send to the company stating that I did not make a purchase on my account nor did anyone on my household. 
This company has ruined my credit and they refuse to remove the charges off the account to even though I have done everything they asked me to do. They are holding me responsible and I have told them multiple times, I did not use the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Click n' Close, Inc.
State: OK

Complaint narrative:
I received a escrow analysis for XXXX XXXX XXXX XXXXf this year. notifying me that my mortgage payment was going to increasing effective XXXX of XXXX  by about XXXX a month. I contacted the mortgage company and they said it was because of my homeowners insurance policy. They sent a bill for XXXX which is an increase from the previous year. I told them I was cancelling it and would sent them my new insurance information. Note, my insurance from the previous year was XXXX. I found a new company that decreased my yearly insurance premium to around XXXX so my payments should have went down a lot from the previous year. I submitted the new insurance information to my mortgage company in XX/XX/XXXX BEFORE the new mortgage amount kicked in XXXX. I got a new escrow analysis this week that is dated XXXX  surprisingly my payments only went down XXXX but my new insurance policy is approximately XXXX a month cheaper than the previous year. I have tried to call and discuss this over the phone with the agents and I've made no progress. I was told it's always based on the year BEFORE. But my bill for XXXX is XXXX less! Also, they paid out the XXXX to the other insurance company. I sent them my refund and confirmed it was posted so that is not the issue. I am asking that this issue be corrected. My payment should reflect the bill received for the insurance for XXXX not the cost of my old policy from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA

Complaint narrative:
NOTICED ERRORS ON CONSUMER REPORT AND MADE CROWN ASSET MANAGEMNT ( A 3RD PARTY DEBT COLLECTOR, ) AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS, RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. CROWN ASSET MANGEMENT, WAS SENT A NOTICE OF VIOLATIONS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE ALLEGED DEBT REPORTING TO CREDIT BUREAUS AND OTHER AGENCIES 2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS A DEBT OWED IN THE AMOUNT OF {$1800.00} THAT WAS CHARGED OFF BY THE ORGINAL ALLEGED CREDITOR XXXX XXXXXXXX AND DEEMED UNCOLLECTABLE 3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: NC

Complaint narrative:
On XX/XX/23 I sent a certified letter to this credit reporting agency disputing multiple derogatory items found on my credit report. According to my tracking information, my letter was delivered or picked up on XX/XX/23. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I should have received an update on the investigation results within 30 days beginning when my letter was delivered to them, which I have not. To date ( 30+ days ), I have not received anything from this credit reporting agency in regards to my letter, not even a reply stating they have received my letter and would be investigating the items found in my letter. In my letter I requested the following : 1 ) Update my name 2 ) current address 3 ) Remove my previous addresses 4 ) Remove employers 5 ) Delete these accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor 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 2023-12-14 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: MN

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 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 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 2023-12-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Frontline Asset Strategies, LLC
State: NC

Complaint narrative:
In accordance to the credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have right to privacy. 15 usc, 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a credit may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

I requested proof of debt several times over the phone when contacted but never received any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: OneMain Finance Corporation
State: ND

Complaint narrative:
There are inquiries on my report that I did not authorize and I am also not associated with. I have sent in letters to these companies and their responses were all the same, they stated that someone submitted something online with them and that whoever that person was authorized them. This is messing with my credit score bad and i would like help in having them removed. I never signed any paperwork saying that they were clear to run a credit check on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: Bread Financial Holdings, Inc.
State: ND

Complaint narrative:
There are inquiries on my report that I did not authorize and I am also not associated with. I have sent in letters to these companies and their responses were all the same, they stated that someone submitted something online with them and that whoever that person was authorized them. This is messing with my credit score bad and i would like help in having them removed. I never signed any paperwork saying that they were clear to run a credit check on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation