vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 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: CA

Complaint narrative:
I never missed a payment on this account. I contacted this company in XXXX and to them the vehicle was stolen. They did inform that payment had to made on account as it was. I made a payment after cut off the representative said to dispute the matter because the account was not documented that insurance was working on the matter for payment. Upon that call I made a payment and scheduled a payment for the XXXX of XXXX. I was contacted on the XXXX the payment wasnt received. Upon checking it showed the payment was taken out of my account. I called back on the XXXX of XXXX and was informed by two representatives that it wasnt reflected but to contact my insurance because the car would go into repossession. Again I informed the vehicle was stolen and reported. The vehicle was a total loss. I got a payment offer that day for the leasing office as I wanted to lease another vehicle with the company. I submitted proof of payments to the accounts department and still to no avail but they marked my account delinquent enough tho I have a payment receipt and a payment offer made that day to pay off the vehicle. They also informed they would not be refunding my payments made not the remaining balance that will be left after pay-off is made. They have not only ruined my credit but loss me as a customer due to the poor manner and which they handled this matter.

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 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've always made it a priority to ensure that payments on this account are made promptly, never allowing them to become overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be 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 2024-04-24 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: IL

Complaint narrative:
Hi i wrote each company on my reports asking for a investigation, I also wrote each credit bureau asking them to conduct an investigation. I have hard inquiries, collections, closed and old accounts that I have asked to be removed due to inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am disputing the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Additionally, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( XXXX ). 

Below are the details of the account in question : Account Number : XXXX High Balance : {$5500.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5500.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Canceled by credit grantor Original Creditor : Not available Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : Not applicable Past Due Amount : {$5500.00} Account Type : Credit Card Payment Frequency : Not applicable Credit Limit : {$4500.00} I request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated.

Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act. 

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.

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 2024-04-24 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: PA

Complaint narrative:
Upon looking at my consumer report, I've come to the realization that my consumer rights have been breached. Referring to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ), it's explicitly stated that " the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report. '' Late payments constitute transactions, and utilization reflects the experience derived from credit usage. However, XXXX, XXXX, Equifax is indicating late payments on multiple accounts listed below XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX  ACCOUNT # XXXX XXXX BANK ACCOUNT # XXXX and/or utilization, which are experiences created by credit usage. According to 15 USC 1681b ( a ) ( 2 ), " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. '' I never provided XXXX, XXXX, Equifax with written instructions to include anything in my consumer report, let alone these late payments/utilization. Furthermore, as per 15 USC 1681 602 Congressional findings and statement of purpose, it's stated that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' It also emphasizes that the banking system relies on fair and accurate credit reporting. Inaccurate credit reports directly impede the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential for the continued functioning of the banking system. The reporting of these late payments is inaccurate, and my privacy has been violated due to XXXX 's, XXXX 's, Equifax 's infringement upon my consumer rights by allowing these late payments/utilization to be reported on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: PA

Complaint narrative:
Upon looking at my consumer report, I've come to the realization that my consumer rights have been breached. Referring to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ), it's explicitly stated that " the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report. '' Late payments constitute transactions, and utilization reflects the experience derived from credit usage. However, XXXX, Experian, XXXX is indicating late payments on multiple accounts listed below XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXT # XXXX XXXXXXXX XXXX XXXX XXXX XXXX and/or utilization, which are experiences created by credit usage. According to 15 USC 1681b ( a ) ( 2 ), " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. '' I never provided XXXX, Experian, XXXX with written instructions to include anything in my consumer report, let alone these late payments/utilization. Furthermore, as per 15 USC 1681 602 Congressional findings and statement of purpose, it's stated that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' It also emphasizes that the banking system relies on fair and accurate credit reporting. Inaccurate credit reports directly impede the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential for the continued functioning of the banking system. The reporting of these late payments is inaccurate, and my privacy has been violated due to XXXX 's, Experian 's, XXXX 's infringement upon my consumer rights by allowing these late payments/utilization to be reported on my consumer 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
Consumer complaint received 2024-04-24 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: IL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to 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 non-monetary relief
Consumer complaint received 2024-04-24 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: NJ

Complaint narrative:
" Your agency is in violation! 
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. 
Delete this at once! '' XXXX - XXXX XXXX - XXXX {$140.00} XXXX XXXX XXXXXXXX {$230.00} XXXX - XXXX {$1900.00} XXXX - XXXX {$1900.00} XXXX XXXX XXXXXXXX an {$120.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$160.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: GA

Complaint narrative:
Kindly delete these inquiries. I have no knowledge of them, and the company acted without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: GA

Complaint narrative:
I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you review the documents? Several of the listed accounts are inaccurate in terms of reporting, with inaccurate amounts and dates being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Received an offer for a Verizon Visa Signature Credit Card via Synchrony Bank, the mail piece I received has three rates listed on the back, 23.99 % for 'account type 1 or 26.99 % for account type 2 or 30.99 % for account type 3, and then all it has is one additional line that references account type 1 and it says, " a limited number of applicants are expected to receive account type 1. '' It has no other information about this. It's very confusing, how do you know what account type you're getting? it lists no criteria nor does it provide any detailed 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 2024-04-24 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: NC

Complaint narrative:
I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Good afternoon, According to 15 U.S. Code 1692c - Communication in connection with debt collection. 

Date : XXXX Portfolio Recovery Associates/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: OR

Complaint narrative:
I discovered a fraudulent collection account for a utility bill in a state that I dont, and never have lived in.

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 2024-04-24 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:
My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. 
XXXX XXXX Account # XXXX XXXX XXXX service Account # XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to 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 2024-04-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX someone flew from XXXX XXXX under my name and my credit card number, and a fake email. I have started a dispute with XXXX as well explaining it was not me and asking what identification they used to get on the plane in which nobody seems to know. 
I have made a police report, I have diputed with Bank of America numerous times in which they keep closing my case and not asking for my documentaion. 
I have documentaion from the XXXX XXXX XXXX ( my work ) that I was at work the day before, the day of and the day after that someone had flew with XXXX. I have been a loyal customer with the same email for many years with Bank Of America. There were XXXX charges on the same day that my credit card got hacked and the reimburst for two of the charges but are fighting me on the XXXX XXXX charges because XXXX sent them documentation showing someone flew under my name and credit card number but it wasnt me and I feel like XXXX should have to provide a picture or a identification that that person boarded the plane. I had to cancel my credit cards with bank of america because of their refusal to help me and my credit score went down XXXX points because of them. Also my drivers lisence has my maiden name with my married name as well.

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