vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint contains two issues : 1. I have filed multiple disputes with Experian due to the bureau reporting incorrect information in a bankruptcy public record on my credit report and incorrectly reporting the history of a XXXX XXXX XXXX account. I requested the removal of the record ( s ) in XXXX, XXXX, and XXXX of XXXX. The bureau did not remove them. 

XXXX, the data furnisher could not verify the public record information and removed the bankruptcy record from my consumer report. That is the entity that furnished the incorrect and unverified data to Experian, which Experian states in their dispute results from XX/XX/XXXX. XXXX notified Experian multiple times and I also provided proof via a letter from XXXX to Experian in my dispute on XX/XX/XXXX. 

I filed a dispute with Experian regarding XXXX XXXX XXXX. I asked that the record be deleted from my report because the history is erroneous. There are several months reported as " ND. '' Then in XX/XX/XXXX, Experian flagged the account as 180 days delinquent. There are no XXXX, XXXX, XXXX, etc. days leading up to that. Simply ND, which indicates no investigation was conducted. How can an account start out at the 180 days delinquent mark? After XX/XX/XXXX, Experian reported the account as a " charge-off '' ( C/O ) for multiple months in a row. A charge-off only occurs once. The account was settled and closed. However, the history does not accurately speak to that. I want the account deleted from my report. 

XXXX. Additionally, the bureau has not updated my credit report since XX/XX/XXXX, despite my reaching out to them via phone and email multiple times. The last time was today, but there was no resolution over the phone. I do not have access to a current credit report or score. Experian is either reporting outdated and erroneous data to requesting parties or not supplying my report at all. I want access to my updated credit report and credit file. I want my online consumer portal updated with current 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 2023-09-14 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: V and H Portfolio
State: IL

Complaint narrative:
I contacted the credit bureau to notify them of 2 fraud accounts reporting on my credit report, sent them proof of identity, and ftc report. they continue to report false information on my credit file. They also gave access to my credit report to the following companies below without my consent : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX on XXXXXXXX XXXX XXXX on XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: IL

Complaint narrative:
I contacted the credit bureau to notify them of 2 fraud accounts reporting on my credit report, sent them proof of identity, and ftc report. they continue to report false information on my credit file. They also gave access to my credit report to the following companies below without my consent : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX on XXXXXXXX XXXX XXXX on XXXXXXXX XXXX XXXX on XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
Since last XXXX I have been charged interests on my Amazon.com store card ( managed by Synchrony Bank ). On that card I have promotional balances at 0 % interest and regular purchases at 29.99 % interest. Every month I have been making extra payments to cover the regular purchases and the minimum on the promotional balance so to avoid an interest charge at 29.99 %. A few times I called to allocate the payment to the proper balance ( but not always ). 
Whenever I call and complain about interest charges the representative ( last one I spoke to was XXXX ) tells me : the system will allocate first to the promotional balance and it's up to you to call and request a different allocation. I quoted the Credit Card Fairness Act and she told me that it doesn't apply to this card because it's a store card and not a credit card. A store card is a credit card. XXXX also told me that she works for the bank therefore she knows better. 
The Credit Card Fairness Act states that : If you make more than your minimum payment due, creditors must apply the excess payment to the balance with the highest interest rate. If you make only your minimum payment, the lender can apply it to lower-rate balances. 
Obviously Synchrony bank does not see it that way, and I'm lead to believe that they are defrauding many customers with this scheme. After a long wait I managed to speak to a manager, XXXX, who XXXX much debate finally agreed to remove part of the interest : {$40.00} and some cents. 
I'm including my statements since last XXXX for your verification. 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 monetary relief
Consumer complaint received 2023-09-14 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 am writing to report inaccurate information on my credit report. The Fair Credit Reporting Act states that by law I can dispute and challenge any inaccurate information on my credit report. 

15 U.S.C. Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this account XXXX XXXX XXXX gets deleted. I contacted the three major bureaus to investigate every piece of information on the account listed below and I still have not had an investigation launched. In addition, in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX has violated my rights. 

1. 15 U.S.C 1681 section 602 A, states I have the right to privacy : 15 U.S.C. 1681 Section 1681 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 2. 15 U.S. Code 1692b - Acquisition of location information : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and 15 U.S. Code 1692c - Communication in connection with debt collection : ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 3. 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

According to the FCRA the term, investigative consumer report means a consumer report of portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of liking with other with whom he is acquainted or who may have knowledge concerning any such items of information. According to the FCRA 15 USC 168XXXX everything has to be 100 % accurate. Once again, I demanding this account be deleted.

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 2023-09-14 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: FL

Complaint narrative:
In accordance with the Fair credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXXXXXX XXXX XXXX XXXXAccount name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights 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 2023-09-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXXAccount name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 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 2023-09-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing to report an incident of identity theft that has caused significant distress and financial harm. My personal information was illegally used without my consent, resulting in unauthorized transactions and suspicious activities on my accounts. 

I have taken immediate steps to secure my financial assets and filed a report with the Federal Trade Commission ( FTC ). I am seeking your assistance in investigating this matter and apprehending the individuals responsible. 

Thank you for your prompt attention to this issue.

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 2023-09-14 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: EQUIFAX, INC.
State: TX

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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:
I am writing to formally file a complaint and request the immediate removal of several fraudulent items that persistently appear on my credit report. These fraudulent items have been inaccurately affecting my credit score and financial reputation. The fraudulent items include : 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 

This account has never belonged to me, and I have never authorized any transactions or services associated with it. It has been fraudulently reported on my credit report, and I request its immediate removal. have never had any dealings with this account, and it has been fraudulently reported without my consent. I demand that it be removed from my credit report promptly. This account is entirely fictitious and has been added to my credit report without any legitimate basis. It is imperative that it be removed to prevent further damage to my creditworthiness. 

I have taken several steps to address these fraudulent items, including reporting the issue to the respective creditors, disputing the items, and filing a police report. I have also initiated a fraud alert with the credit bureaus to protect my credit file from further unauthorized activities. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I insist that you investigate and rectify these fraudulent items on my credit report immediately. Under the FCRA, you are required to investigate disputed information within 30 days and inform me of the results. If the information is found to be fraudulent or inaccurate, I request that you provide me with an updated credit report reflecting the removal of these items.

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 2023-09-15 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:
I am writing to formally file a complaint and request the immediate removal of several fraudulent items that persistently appear on my credit report. These fraudulent items have been inaccurately affecting my credit score and financial reputation. The fraudulent items include 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 

This account has never belonged to me, and I have never authorized any transactions or services associated with it. It has been fraudulently reported on my credit report, and I request its immediate removal. have never had any dealings with this account, and it has been fraudulently reported without my consent. I demand that it be removed from my credit report promptly. This account is entirely fictitious and has been added to my credit report without any legitimate basis. It is imperative that it be removed to prevent further damage to my creditworthiness. 

I have taken several steps to address these fraudulent items, including reporting the issue to the respective creditors, disputing the items, and filing a police report. I have also initiated a fraud alert with the credit bureaus to protect my credit file from further unauthorized activities. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I insist that you investigate and rectify these fraudulent items on my credit report immediately. Under the FCRA, you are required to investigate disputed information within 30 days and inform me of the results. If the information is found to be fraudulent or inaccurate, I request that you provide me with an updated credit report reflecting the removal of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have un-authorized inquiries on my credit report XXXX XXXX XXXX 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

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 2023-09-14 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have un-authorized inquiries on my credit report 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 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 2023-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: NC

Complaint narrative:
We requested a payment history from Flagship Credit Acceptance, this was sent showing payments through XX/XX/XXXX. The history was correct, the issue is when making a payment via the website it states we are currently paying on XXXX XXXX XXXX, 5 half month payments have been made since the payment history was sent which actually has the vehicle paid through the end of XX/XX/XXXX. I have contacted customer service multiple times only to be told that they have contacted thier back office team to look into the issue and it will take 30 days to resolve the issue. This issue has been going on for 2 months, which was the reason I requested the payment history to begin with, we were stuck paying payments on XXXX for 2 months, then it finally changed to XXXX. Based on the payment history they sent us amounts are being applied to principal and to interest. We aren't trying to make principal only payments, my wife works a XXXX XXXX  so she wants to make sure she is paid up ahead of time to take care of the months she doesn't work. Just to add one of the times customer did work through the payment history with me and stated that one of the half month payments was recieved but not applied to the account, this wouldn't fix the current issue but I don't understand how this happens either. I also noticed that the account number on the payment history doesn't match my actual account number on the website and I don't understand this either. I am extremely frustrated and concerned that all the payment my wife has made to get ahead have been a waste of time. When she is out of work and the website still says XXXX and she doesn't make a payment they will try to say she is in default when she really isn't.

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 2023-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have my paid off receipt from XXXX saying that I paid off my {$43.00} balance with XXXX. XXXX is now reporting on XX/XX/2023 that my last payment to them was in XX/XX/2023. That is an accurate because again I have that receipt stating that I have paid off all my balance with XXXX, and they are going to report the positive payoff balance to all credit bureaus, which they failed to uphold their own words thus reporting negative balance to my credit at the reading of the receipt. All negative information report it to my credit bureau should be removed it once.

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