vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 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: Southern Auto Finance Co
State: GA

Complaint narrative:
Safco Subject : Dispute Regarding Inaccurate Credit Reporting Dear Sir/Madam, I am writing to express my frustration and concern regarding the handling of my account by Safco. Since XX/XX/year>, I have been actively trying to resolve an issue concerning fraudulent and inaccurate information being reported on my credit profile by your company. Despite my efforts, the situation remains unresolved. 

During this period, I have taken several actions to address this matter. I have sent multiple letters requesting detailed information regarding the alleged debt and have specifically asked for the purchase agreement or contract demonstrating full ownership of the account. Additionally, I have reached out to your customer support team on numerous occasions seeking clarification and resolution. 

Unfortunately, despite my persistent efforts and repeated requests for validation, I have not received satisfactory documentation proving the legitimacy of the debt and confirming my ownership of the account. This lack of transparency and cooperation has not only caused significant stress and frustration but has also resulted in continued negative impacts on my credit score and financial standing.

I firmly believe that the information being reported by Safco is inaccurate and misleading. I have requested that your company provide the necessary documents to verify the ownership of the account and to validate the debt. However, to date, my requests have either been ignored or have resulted in inadequate responses that do not address the core issues.

Therefore, I urge Safco to promptly provide me with the following documents : 1. The original purchase agreement or contract establishing ownership of the account.

2. Any additional supporting documentation verifying the validity and accuracy of the debt.

3. A detailed breakdown of the outstanding amount, including any fees, interest, or penalties incurred.

Furthermore, I request that Safco thoroughly investigate this matter and take immediate corrective action to rectify the inaccuracies in the information being reported to the credit bureaus. I also request that Safco issue a formal letter of correction to the credit bureaus to ensure that my credit report accurately reflects my financial status. 

I trust that Safco will prioritize this issue and work diligently to resolve it in a timely and satisfactory manner. Your cooperation and prompt attention to this request are greatly appreciated. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There was a credit card from Bank of America issued in 2022 which is not mine that is fraud I already have an account with them with Bank of America why would I request for an additional 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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00}

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 explanation
Consumer complaint received 2024-05-11 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: TN

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

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

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 2024-05-11 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: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance Owed : {$15.00} XXXX  XXXX XXXX Balance Owed : {$210.00}

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 explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
After having a credit card account with this company and receiving a paper statement each month to pay my outstanding balance, I received notification from the company informing me that, going forward, I will be charged to continue receiving a paper statement with information such as amount due, date due, etc. How is an account holder that does not have consistent, readily available access to the company 's website, supposed to determine outstanding balance and date payment is due in order to avoid interest and late fees? I have credit card accounts with various other credit card providers and have never been forced to pay for a paper statement.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1600.00}

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 2024-05-11 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:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Ensuring punctuality in my payments is a priority. However, what perplexes me is the occasional reporting of late payments by this company, contrary to my records. As per USC 1666b, rectifying billing errors promptly and reflecting payments accurately is mandatory.

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 2024-05-11 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: GA

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-05-11 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:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: GA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-11 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:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-11 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: AL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this 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 2024-05-11 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act, the list of the accounts below, has violated my federal, protect the consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any other following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 responsible cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I called Citibank on XX/XX/2024 about two transactions that were still pending on my account ( pending dates XX/XX/XXXX for the amount of XXXX XX/XX/XXXX for amount of XXXX ) but posted on XX/XX/2024 for the amount of XXXX and the other one on XX/XX/2024 for the amount of XXXX the lady told me I double charge my card, but that was not true. She was just telling me anything because she didnt have a answer for my question. I asked the lady was she able to release my funds back to me as a credit since it had posted but still was pending she stated they dont do that and that they can Monitor my account about the activity give me a case number XXXX. On XX/XX/XXXX the 2 transactions that were pending had posted and I received my money back. I was able to use my card all the way up until XX/XX/XXXX went to XXXX XXXX came home logged into the Citi bank app and it said that my account was blocked I call to see what was going on with my account the lady told me my account was under investigation gave her all my information for a verification call told me I received a call within 24 hours. Still havent received a call or a letter resolve the problem

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 2024-05-11 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: TX

Complaint narrative:
There are numerous fraudulent inquiries in my report that are really hurting my score. i wanted them to be removed as soon as possible. I have been trying to remove them since last year but i really don't know why it's so complicated to exercise my right to have an accurate reporting. Remove the following as soon as possible. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: MI

Complaint narrative:
I hope this compliant finds you well. I am filing a compliant to express my concern regarding my XXXX credit card account and the manner in which you have handled the reporting of my XXXX credit card debt to the credit bureaus. 

Recently, I have successfully completed a debt settlement program1099C form, which led to the discharge of a significant portion of my credit card debt with XXXX. I understand that the discharge of debt is a legal process, and I appreciate that XXXX has acknowledged and accepted the discharge. 

However, I have noticed that despite the discharge of my debt, XXXX has not updated this information with the credit bureaus. This omission has a direct impact on my credit score and financial standing. It is crucial that accurate and up-to-date information is reported to the credit bureaus, as it plays a significant role in determining creditworthiness and financial stability. 

I kindly request that XXXX takes the necessary steps to update the credit bureaus regarding the XXXX debt. This will allow me to rebuild my credit and demonstrate my commitment to fulfilling financial obligations. I believe it is in XXXX 's best interest to accurately report this information to the credit bureaus, as it reflects positively on your company 's commitment to responsible lending practices.

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