vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm seeking your support to address an inaccurate account listed on my credit report. This matter has negatively impacted my reputation, and I need your help.

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 2024-07-18 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I bought a vehicle from a used car dealer USauto sales in XXXX in XXXX. So the car originally started XXXX XXXX XXXX XXXX XXXX XXXX XXXX only a few months of having it. I called the dealer and told theem what the issue was and they would come to get it and get it solved, i did put {$5500.00} down payment, and got my own insurance for the first time on my own so that was an extra XXXX $ roughly. I asked to exchange the car because i couldnt afford to pay rental and pay for a car that was broke. So it went on for about 2 months back and forth with the shop the car was at. Kept getting the waiting on dealer to handle the warranty excuse. So i called USautosales to figure out the hold up and thats when i was told there was no warranty applie to my vehicle and that the car was no longer in my possession because i was being charged and i guess it was not put into my account. So it wasnt until this week of XXXX, of XXXX that all this had happened with USauto sales and have been struggling ever since then. Because all that money put down and then paying for a car i didnt posess and then lied to about having warranty. So i would be very grateful for any kind of help. Im not asking for a XXXX dollars or a brand new vehicle but im struggling. And its because of that bad business doing i made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 

XXXX XXXX XXXX XX/XX/XXXX {$580.00} XXXX  XXXX {$260.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: MA

Complaint narrative:
My personal information is wrong, my DOB, previous employer or previous address. I want to have my information corrected.

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 2024-07-18 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I'm trying to buy a house and I've realized that I have damages on my credit report. According to the 15 U.S.C 1681 law, there shouldn't be any damages on my report. It's a defamation to me character

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: MD

Complaint narrative:
As per the guidance from the consumer financial bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due toXXXX XXXX debt XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like all listed accounts to be blocked and deleted company information XXXX XXXX, Equifax, XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank has willingly and knowingly giving out my banking information to XXXX XXXX XXXX dating back to XXXX without my consent with no regards to my privacy rights. I have a right to privacy. I was not aware of this until i requested my early warning services report that displayed my banking transactions and I did not give Chase Bank authorization to give out. This directly violates, their own privacy policy that states they only share banking information to Affiliates. XXXX XXXX XXXX is not listed as an affiliate and their list for non-affiliates displays for marketing purposes only. The have also violated as the Privacy Act of 1974 5 USC 552 ( a ) that states No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 
The 12 Exceptions do not apply for my situation. 
Please remedy this situation or I will have to take further civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

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's my understanding that XXXX, Equifax and XXXX will investigate this account for me to ensure accuracy. Here is the personal information I am asking you to correct because it is inaccurate and incorrect : NAME : XXXX XXXX XXXX DATE OF BIRTH : XX/XX/year> ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX EMPLOYERS :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: NY

Complaint narrative:
Violation of 42 USC 408 8 ) discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States; or ( 9 ) conspires to commit any offense described in any of paragraphs ( 1 ) through ( 4 ), shall be guilty of a felony and upon conviction thereof shall be fined under title 18 or imprisoned for not more than five years,

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 2024-07-18 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: VA

Complaint narrative:
Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX The date last active and date of last payment is inaccurate. This is a violation of the FCRA. Credit reporting agencies must maintain accurate and complete information.

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 2024-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN HONDA FINANCE CORP
State: DE

Complaint narrative:
I ask American Honda Financial Services, to remove the negative remarks off my report which I still can see, they tried to hide it but its still on there. They also marked it as a charge off, it should be deleted and I was never sent or notified about 1099 cancellation of debt form. They violated with that 15 USC 15801 is a certification of indebtment, its income and must be removed. 15 US code 1631, Disclosure requirements HJR-192 Obligations of United States . Violated my constitution rights and committed Fraud. 18 USC 514 Factitious, Obligator. UCC3-402 My social Security UCC3-402 Signature by Representative. Declaration of Deprivation of Rights under the 14th amendment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: GA

Complaint narrative:
In XXXX of XXXX my online account information was stolen. All information for my account was changed. This included a fraudulent email address ( XXXX ) and a phone number ( XXXX & XXXX ) that was not mine. The person requested a credit card. Synchrony bank sent a credit card to an address that was not mine, nor has it ever been mine on XX/XX/XXXX. This address is XXXX XXXX XXXX XXXX XXXX Al XXXX. The person received the card and went on a spending spree. I was not notified of anything because all notifications were being sent to them. I found out about these transactions months later due to my credit report. During this time, my XXXX XXXX  account was also compromised and the person attempted to take over {$6000.00} from my account. I found this immediately and closed the account. I reported the problem to synchrony as soon as I found out from my credit report. I filed a fraud claim, which synchrony bank turned down. I have filed a police report. I have given my bank information and the closure of that account due to the fraudulent activity. I have identified all charges that were not mine. The physical card that was used was never in my possession and was mailed by the company to an address that has never been associated with me. Since the first fraud claim was turned down, I have filed XXXX more times and I have been turned down. The company claimed that reason for the claim getting turned down is that the card was asked for from a verified number. That was not my phone number, nor has it ever been. I have turned over all paperwork to the company, Including the police report. I have requested to hear the recordings of where I have called and talked to a representative. On XX/XX/XXXX I requested to speak with an investigator for the fraud department and I have heard nothing. On this date I also verified that they received the police report and information from regions. I have repeatedly asked the company to tell me what to provide for them to prove these are not my charges, and they will not provide me with anything. They will not assist me in any way resolve this issue. 
This has negatively impacted my credit score.

Below Im attaching a copy of the following : All charges from this incident and my report to Synchrony. 
The police report. 
A written statement of unauthorized activity from 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 monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-18 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: TX

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 non-monetary relief
Consumer complaint received 2024-07-18 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC for myself XXXX XXXX last four Social Security number is XXXX, DOB : XX/XX/year>. Please delete the following accounts. 
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 non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I attempted to update my bank account information for my credit card payments via the Bank of America mobile app, which I have used for years. The app does not support this function, and when I requested step-by-step instructions via email on XX/XX/year>, I received an automated response instructing me to call them. I eventually had to use their desktop site, which is difficult to navigate due to the small font size, requiring me to find a laptop. 

As a result of these difficulties, my account was wrongly reported to the credit bureaus, negatively affecting my credit score. Bank of America 's poor user experience and inadequate customer support have caused this issue. I request that the CFPB investigate and ensure that Bank of America improves their services and corrects the inaccurate reporting on my credit report. 

I have since rectified this account and paid all balances.

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 2024-07-18 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: LA

Complaint narrative:
Complaint to the CFPB Regarding XXXX Practices Date : XXXXXXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Fair Credit Reporting Act ( FCRA ) Violation by XXXX Dear CFPB, I am writing to file a complaint against XXXX regarding violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., and particularly 15 U.S.C. 1681i ( a ) ( 5 ). 
I have repeatedly disputed inaccurate information in my XXXX credit report. Following the dispute process outlined in the FCRA, I requested a description of XXXX 's reinvestigation procedures. However, XXXX has responded by claiming my information regarding the dispute is illegible. I have provided clear and concise documentation to XXXX for the dispute. 
XXXX you are intentionall sending stall letters to avoid a proper investigation and resolution of the disputed information. These stall tactics violate my rights under the FCRA to a fair and accurate credit report. 
Specifically, I request the CFPB to : Investigate XXXX 's practices regarding responding to dispute requests and descriptions of reinvestigation procedures. 
Ensure XXXX conducts a thorough investigation into the disputed information on my credit report using the clear and concise information I have provided. 
Direct XXXX to cease using stall tactics and provide me with a timely and accurate response to my dispute. 
I would also like to be contacted by the CFPB to discuss this matter further and explore potential next steps, including holding XXXX accountable for potential FCRA violations. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-07-18 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: Sentry Credit, Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself XXXX XXXX last four Social Security number is XXXX, DOB : XX/XX/1995. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SENTRY CREDIT, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself XXXX XXXX last four Social Security number is XXXX, XXXX : XXXX Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation