vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, credit inquiries are only permissible under specific circumstances, such as with my explicit authorization. As I did not authorize these hard inquiries, they are in violation of this statute.

I am requesting that you : Investigate : Conduct a thorough investigation into these unauthorized hard inquiries.

Remove : Delete these unauthorized hard inquiries from my credit report.

Confirm : Provide written confirmation that these inquiries have been removed.

Attached to this letter, I have included a copy of my identification and any other necessary documentation to verify my identity and support my dispute.

I appreciate your prompt attention to this matter. The presence of these unauthorized inquiries is negatively affecting my credit score and financial well-being. I look forward to your swift resolution of this issue.

Thank you for your cooperation.

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 2024-05-19 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, credit inquiries are only permissible under specific circumstances, such as with my explicit authorization. As I did not authorize these hard inquiries, they are in violation of this statute.

I am requesting that you : Investigate : Conduct a thorough investigation into these unauthorized hard inquiries.

Remove : Delete these unauthorized hard inquiries from my credit report.

Confirm : Provide written confirmation that these inquiries have been removed.

Attached to this letter, I have included a copy of my identification and any other necessary documentation to verify my identity and support my dispute.

I appreciate your prompt attention to this matter. The presence of these unauthorized inquiries is negatively affecting my credit score and financial well-being. I look forward to your swift resolution of this issue.

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, credit inquiries are only permissible under specific circumstances, such as with my explicit authorization. As I did not authorize these hard inquiries, they are in violation of this statute.

I am requesting that you : Investigate : Conduct a thorough investigation into these unauthorized hard inquiries.

Remove : Delete these unauthorized hard inquiries from my credit report.

Confirm : Provide written confirmation that these inquiries have been removed.

Attached to this letter, I have included a copy of my identification and any other necessary documentation to verify my identity and support my dispute. 

I appreciate your prompt attention to this matter. The presence of these unauthorized inquiries is negatively affecting my credit score and financial well-being. I look forward to your swift resolution of this issue.

Thank you for your cooperation.

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 2024-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
Purchased a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX XXXX. My monthly car note was {$400.00}. The car was repossessed by XX/XX/XXXX, and re-sold by XXXX. This account popped up on my credit report ( categorized wrong, incorrect balance ) around XXXX. Ive disputed this account for three years, minimum. The original lender, XXXX, closed the account ; never took me to court. Neither has the debt collector, NCB. Now the debt buyer, NCB, claims I owe nearly {$5000.00} ( which equals about 10 months of nonpayment ). That is wrong! I do NOT owe either company nearly {$5000.00}. 

This account keeps popping up on my credit report. It was removed once, after XXXX closed the account. Then it popped up with false charges owed to NCB. My report now says this account will stay on record until the end of this year ( XXXX XXXX ). Will it pop back up on my report ( to reset the time on my record ) when another random debt buyer simply SAYS or WRITES I owe them money with NO PROOF of no-payment for 10 months ( nearly {$5000.00} )?! 

This account is killing my credit score! The credit bureaus didnt classify it correctly ( as repossession ) from the beginning. I cant buy a house. Ive been trying for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: GA

Complaint narrative:
Hello! I had an old account with XXXX XXXX XXXX ( the original creditor is XXXX XXXX XXXX XXXX XXXX appearing on my credit reports erroenously for more than three years. The collection agency requested this account be removed with all three major credit bureaus effective XX/XX/2020 however it still appears on my credit profile.The account number is XXXX. I have attached a letter from the collection agency confirming the account is paid, and that it should be deleted from my profile. Let me know if you need additional information. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello! I had an old account with XXXX XXXX XXXX ( the original creditor is XXXX XXXX XXXX XXXX ) appearing on my credit reports erroenously for more than three years. The collection agency requested this account be removed with all three major credit bureaus effective XX/XX/2020 however it still appears on my credit profile.The account number is XXXX. I have attached a letter from the collection agency confirming the account is paid, and that it should be deleted from my profile. Let me know if you need additional information. 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 2024-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There were hacking activities occurred at XXXX. Hackers got client information and posted fictitious amount with recent date on Transunion and extort XXXX client to pay the amount. I have XXXX data Breach letter and reached out to Transunion and XXXX with no responses. thanks.

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 2024-05-19 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: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
I have reached out to Chexsystems to validate an account that they are reporting. They did not provide me with any validation of the account other than to say that the account was mine. I was not provided a copy of any contract or proof to show why the negative account is being reported.

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 2024-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Today I received an emailed letter stating that Syncrony Bank  had closed my Sam 's Club credit account. Two years ago they reduced my available credit to {$100.00} because my credit score had dropped. My credit score has since risen considerably and I pay off any outstanding balance in full every month, This card had a zero balance on it. After calling them, I received the excuse that my credit score had changed. After talking to them, I found that my score was higher than it was last year. There was absolutely no reason to close the account. 
The customer service agent was very rude and told me that my only option was to reapply for a new account, but then told me that it would probably get denied. I told her that It was stupid to tell someone to reapply if they are knowingly going to get denied and then also have an inquiry posted to their credit report, which will impact their score. I was told that they will not reinstate my 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 2024-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I wrote ED/NELNET to XXXX OUT the Biden-Harris XXXX XXXX XXXX XXXX XXXX The XXXX 's and he XXXX Department has ruled the XXXX XXXX XXXX plan can be OPT OUT. ED/Nelnet I want to OPT OUT the Biden-Harris loan XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I want inquiries removed from my credit report because i did not authorize them to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
Purchased two XXXX around XX/XX/XXXX. XXXX, a company that does not exist anymore, claimed I owed them {$1400.00}. Never took me to court. Neither has debt buyer, Jefferson. Now the debt buyer claims that I owe {$1400.00} for one phone. Not true. 

I honored the two-year ( XXXX ) purchase agreement. Regardless to XXXX failing to honor their buyout incentive that they offered to get me to buy from them instead of staying with XXXX XXXX XXXX ( who I returned to after dealing with XXXX ). My phone bills were outrageous ( $ XXXX every month for two phones ), but I still paid. My contract was completed by XX/XX/XXXX. I never signed a new purchase agreement with XXXX. Or XXXX as it exists presently. At one point, a then-XXXX rep told me that the company just automatically renewed my agreement!? I signed for the first agreement. I did not sign for another contract with XXXX. I do NOT owe them {$1400.00} for 1-2 XXXX. XXXX was ripping people off!!! 

Debt buyer, XXXX, showed up on my credit report around XX/XX/XXXX. It will stay on my record until the end of this year ( XXXX XXXX ). Why? I dont owe {$1400.00} to XXXX or debt collector, Jefferson .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: IN

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 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Per capital one policy, billing cycle ends on at XXXX on the closing day. Capital one decided to end my billing cycle a day early even though they admitted it supposed to end today ( XX/XX/19 ) per company policy. The manager accepted this but could not give a clear reason why this happened she also tried to take back her statement when I said I was going to report this to your company. Banks are required to follow policy but capital one has breached their own policy and this is going to really affect me. I dont know but I believe the representative I called yesterday to file a dispute may have ended the billing cycle early. This is going to affect my credit score and cause me pain and suffering for the next month because Im not going to be able to do a lot of things I need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: TX

Complaint narrative:
XXXX XXXX XXXX Account XXXX XXXX XXXX off account. I just received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as CHARGE OFF, but also shows a past balance of XXXX. According to the FCRA, I have the right to an accurate credit report. please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion

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 2024-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: GA

Complaint narrative:
I made a transfer in XX/XX/XXXX, the amount of {$950.00}. On Cash App I accidently traded that amount and I immediately took action to have the transaction voided/and or refunded, after several hours of being on the phone within a few days time after giving me a reference number ( in which, I don't have now ), I was eventually hung up on to never resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
Jefferson capital, ,debt collection, I've contacted several times, told them the debt amount was incorrect, due to the fact XXXX  XXXX would not accept the phones back and deduct from final bill,, they say it's not their problem, ,contacted XXXX several times and complaints, they contacted Jefferson capital with no results,, contacted again XXXX  still gets no response,, Jefferson capital says I owe XXXX without the phones removed and won't deduct

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I want inquiries removed from my credit report because i did not authorize them to run my credit

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 2024-05-19 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: CL Holdings LLC
State: GA

Complaint narrative:
I want inquiries removed from my credit report because i did not authorize them to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Fig Tech Inc.
State: TX

Complaint narrative:
So have constantly reached out to them to say hey i need to refinance they turned it down, anyways i sent an email requesting to refinance final payment of {$180.00}, the approved, payment was due on XX/XX/year> its not yet after 30 days, they put a late payment on my credit report and this is the second time they are doing and sent a text before stating is i don't pay it will damage my credit then after they placed the late payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREENSKY OPERATIONS, LLC
State: KY

Complaint narrative:
This loan is a deferred interest loan that is reporting my balance incorrectly. It is not reflecting my payoff balance it is reporting my balance with deferred interest. This is negatively impacting my credit score and has been since we took out the loan. The original amount was {$13000.00} and our balance is {$8500.00}. However, the financial institution is reporting {$12000.00} as they are including deferred interest. Deferred interest is due only if I do not pay off by the time of the promotion period ending on XX/XX/year>. I am requesting they change their reporting practice to report the actual balance due during the promotion period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: NJ

Complaint narrative:
I reached out to the Equifax over a month ago. I asked each Equifax to remove the fraudulent information on my credit report, as there are people with my personal information that are not authorized to open accounts or use my personal information for their financial gain. There is fraudulent information on my credit report and I am wanting each bureau to remove the inaccurate and fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain information that has been reported to my credit profile without my written consent. As per the provisions of consumer protection laws, I request that you investigate and rectify this matter promptly. 

Upon reviewing my credit report, I discovered, ( XXXX XXXX XXXX address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ) account number XXXX ( balance of {$570.00}. This information was reported without my authorization or consent, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, creditors are required to obtain written consent from consumers before reporting any information to credit bureaus. As I have not provided such consent for the aforementioned accounts, the reporting is inaccurate and should be removed immediately. 
I kindly request that you conduct a thorough investigation into this matter Furthermore, I assert my rights under the Fair Credit Reporting Act to have accurate and fair credit reporting. If the inaccurate information is not corrected within the required timeframe, I reserve the right to pursue legal remedies available under the FCRA. 

Please acknowledge receipt of this dispute letter within 10 days and inform me of the steps being taken to investigate and resolve this issue. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: NJ

Complaint narrative:
I reached out to the XXXX over a month ago. I asked each XXXX to remove the fraudulent information on my credit report, as there are people with my personal information that are not authorized to open accounts or use my personal information for their financial gain. There is fraudulent information on my credit report and I am wanting each bureau to remove the inaccurate and fraudulent information from my credit report.

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