vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

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

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

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

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 2024-12-04 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: WV

Complaint narrative:
I respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I purchased a used XXXX XXXXXXXX XXXX for {$21000.00} from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX. My contract with Ally BankXXXX XXXX XXXX XXXX matures in XXXX installments. Each monthly installment is {$330.00}. Included in the amount financed was {$1500.00} as payment for a XXXX XXXX XXXX XXXX contract. The service contract covered XXXX years so it will expire on XX/XX/XXXX. Since the service contract expires in XXXX days, am I required to continue paying approximately {$27.00} a month for service I am no longer getting? The car will be paid off in approximately XXXX  months. 

After calling Ally Bank on XX/XX/XXXX with my question and being told by Ally to call XXXX XXXX XXXX, I called XXXX XXXX XXXX that same day and was told by its financial officer that I would have to continue paying the monthly fee until the contract with Ally matures. Is this correct? 

I am questioning the answer I got from XXXX. However, if what I was told is correct, I told XXXX I should have been informed I would continue to pay for a contract which would expire before the car was paid off. He proceeded to attempt to sell me another XXXX XXXX contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: WV

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: IL

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
Given my consistent track record of punctual payments on this account, it is unfair to have this inaccurate notation. I request an immediate adjustment to my account to accurately reflect the true history of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: PR

Complaint narrative:
On XX/XX/year>, XXXX made a fraudulent transaction on my account. I submitted a complaint to XXXX, and they assured me that they would refund my money. However, I have not received any response or credit. Following this, I submitted a formal complaint to XXXX XXXX XXXX customer service, but I have yet to receive an answer or a provisional credit during the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NY

Complaint narrative:
I am writing to follow up on my previous disputes regarding the charge-off listed on my credit report under the account #. Despite my previous communications and the evidence provided, this inaccurate charge-off remains on my credit report. I have provided a 1099-C form which confirms that the debt associated with this account was canceled. 

According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), you are required to ensure that only accurate and verifiable information is reported on my credit file. The continued presence of this charge-off is inaccurate and non-compliant with the law. I have previously requested the method of verification and supporting documents as per FCRA 611 ( a ) ( 6 ), but have not received an adequate response.

This is my final request for the removal of this charge-off. Stop sending stall letters. All ID requirements have been met. If you do not comply, I will escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for non-compliance with the FCRA. Please remove this charge-off from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file.

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 2024-12-04 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: MI

Complaint narrative:
Please ensure these unauthorized accounts are promptly blocked and removed from my credit report. I did not open or authorize these accounts and have no knowledge of their origins. Pursuant to USC 1681g, I request their removal within 15 days. Attached are the relevant documents for your review and reference.

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 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XX/XX/year> I was in XXXX early XXXX/Black Friday shopping I made a deposit in a local branch & stopped at a XXXX XXXX  gas station as the day continues I noticed that my phone was no longer working & my wallet was missing which contained my debit cards & identification XXXX night I was able to re access my Wells Fargo XXXX account to discover $ XXXX of my funds were taken out of my account though a cash app name XXXX XXXX me and XXXX This person have no ties what so ever and have never done any business with said person or XXXX XXXX account Im not sure if I was sim swapped or what I just know that my funds were Stolen these transactions are completely unauthorized

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 2024-12-04 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: MD

Complaint narrative:
As a victim of identity theft, I have been unable to resolve fraudulent inquiries on my consumer report despite multiple attempts. These inquiries are not associated with me and have caused significant mental and financial distress, hindering my ability to purchase my dream house and provide for my family 's needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-12-04 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} Date Opened XX/XX/XXXX Ally Financial xxxxxxxx XXXX {$5800.00} Date Opened XX/XX/XXXX Capital XXXX xxxxxxxxxxxx XXXX {$1600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Status {$3500.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$5000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$3700.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$1200.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$4100.00} Date XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$3500.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX$1600.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5800.00} Charge off XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$870.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Balance {$6100.00} XXXXXXXX XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Bal XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$14000.00}

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Equifax XXXX XXXX XXXX XXXX XXXX {$3600.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX xxxxxxxx XXXX {$5800.00} Date Opened XX/XX/XXXX XXXX XXXX xxxxxxxxxxxx XXXX {$1600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Status {$3500.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$5000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$3700.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXXXXXX 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I financed with Synchrony Bank for a home improvement project back in XXXX. The total amount was {$11000.00}. It had a 0 % interest promotion period. The bank has been deducting payments from me every month, but they did not make any specific effort to notify me that the promotion period was about to expire. I had a balance of {$4600.00} on XX/XX/XXXX, which apparently was the expiration date for the promotion period. On that day, they immediately charged me {$5400.00} of interest, increasing my balance to almost {$10000.00} now. I didnt catch this until XX/XX/XXXX. I immediately called them and offered to pay off the balance prior to the new interest. The bank refused to waive the interest and hang up on me. Throughout the entire life of the loan, the only communication I received from the bank was routine bare-minimal monthly email alerts. There is no specific reminder about an imminent interest charge that would more than double my loan balance. This feels very predatory to me. How could the penalty for being one month late to pay off a loan be greater than the loan balance itself? Please help me.

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 2024-12-04 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:
I am writing to notify you that I am a victim of a data breach, and as a result, there are unauthorized accounts and inquiries on my credit report. In accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ), I request that all the following accounts and inquiries be immediately blocked and deleted from my credit report.

Accounts to be Blocked and Deleted : 1. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$56000.00} Unauthorized Inquiries to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
If u look at history all payments are good except one.This late payment was lost in mail when I found out I was late I called them and they said no problem they would fix issue. 
Please help Thank You

Company response to consumer: Closed with explanation