vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 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: NY

Complaint narrative:
these account /collections are not mine remove os mi credit report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
I was involved in an accident which the vehicle loaned through XXXX XXXX was a total loss. XXXX XXXX as well as my self tried several occasions to resolve the matter. An attempt of mine with their insurance department that I thought resolved the matter was with XXXX, in which I signed a release for the vehicle to go to XXXX XXXX. Previously, the vehicle was picked up from XXXX XXXX lot illegally due to pending case. Until recently, I thought the issue was resolved until I attempted to buy a house and found out I was not only being charged for a wrecked vehicle but, per XXXX XXXX, XXXX XXXX received payment for vehicle over a year ago. As of today, they refuse to offer the power of attorney needed so the car can be paid for by the insurance but offered a settlement amount of {$2200.00}

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 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
ATM did not dispense funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: NM

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 2023-09-18 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: NM

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have had nothing but problems with payment on your account, the issue appearing to be on your end. The last 3 times I have paid my bill in full through my XXXX XXXX bill pay, you call me stating you did not receive payment. Then I get bills showing two payments received and one returned. The last time this happened, I closed the account. 

My phone log indicates I called you at XXXX XXXX  on XX/XX/XXXXXXXX  for the first issue ; at XXXX XXXX. on XX/XX/XXXXXXXX  for the second, and this last purchase indicates calls from me to you on XXXX, XX/XX/XXXX, at XXXX XXXX., follow up calls on Tuesday, XX/XX/XXXX, at XXXX XXXX, XX/XX/XXXX at XXXX XXXX., and today, XX/XX/XXXX at XXXX XXXX. 

Name : XXXX XXXX XXXX Account # : XXXX Dollar Amount : {$62.00} Description of Problem : This last purchase, I received the bill for {$220.00} and processed the payment through my XXXX XXXX bill pay with payment being mailed XX/XX/XXXX. 
I received a call XX/XX/XXXXXXXX  stating payment had not been received. I was moving that day and did not have access to my info. 
I called back on XX/XX/XXXXXXXX  and made a payment by phone for {$220.00} and I called the bank to stop payment ( however, it had cleared the bank ). 
I then received my bill ending XX/XX/XXXXXXXX  indicating my original payment was posted by you on XX/XX/XXXXXXXX  and charging me a {$30.00} late fee. 
I called XX/XX/XXXXXXXX  contesting this late fee. However, I was told that I had a credit of {$190.00}. I requested a refund of that credit and was told it would happen within a 30-day period. 

I then received my statement ending XXXX XX/XX/XXXXXXXX  indicating payment of {$220.00} received XX/XX/XXXX, and returned payment of {$220.00} on the same XX/XX/XXXX. The statement then indicates a returned check charge dated XX/XX/XXXX and a minimum interest charge of {$2.00}. There should be no charge as I was advised on XX/XX/XXXXXXXX  that I had a credit of {$190.00}. Therefore, there is no interest to be charged. And the fact that you hit me up, yet again, for a duplicate payment by phone, and then have to refund it should not cost me anything. I contest these charges. I requested you to close the account in XXXX because of the shenanigans with the processing of payments. 

Please reverse all charges for returned payment and late fees as they are not due to my lack of response, but rather your mishandling or inability to timely process payments. I further demand that all negative reporting to credit unions be removed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18 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: PA

Complaint narrative:
Early XXXX, I began to look into my credit in order to boost my score. I have life changes occurring that I now realize how much credit matters over cash. 

XX/XX/XXXXXXXX  I noticed MULTIPLE inquires not authorized or recognizable to me. Below are the inquires to reference to. After placing a call directly to the credit bureau involved I was told I needed to fill out a paper and they would mail it to me after I requested multiple times that he helped and did it for me. 

Because these are unauthorized and I tried getting them removed from my report my request was not honored I need a payout based on FCRA consumer laws etc. 

XXXX XX/XX/XXXX via Transunion. 

XXXX XX/XX/XXXX via Transunion. 

Pursuant to 15 USC 1681n I XXXX XXXX, the consumer is entitled to {$1000.00} PER violation.

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 2023-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent certified mail to XXXX, transunion, and XXXX  disputing fraudulent charges on my credit file. They were reporting wrong addresses, name spellings, and other personal information that was invalid, I disputed the companies on all three agencies by certified mail as well as the companies these charges were from, I included copies of state identification, passport, utility bills of correct address, police report of everything that was stolen, XXXX breach letter with me being a claimant, and court case from one of the collections on my credit file they have not been removed its been over 30 days. XXXX gives you the run around saying there system is down and they can not transfer to a supervisor. It is almost near impossible for them to fix anything with my credit profile. I have been a victim of identity theft since XXXX  and have been dealing with these issues and till today still have not received a resolution. I want a valid answers according to the laws of the F C R A they have not done it and I am being affected daily. I sent all three bureaus 29 page documents with photo copies include proof sent by certified mail receipt no further information was provided from any of the credit repoting agencies.

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 2023-09-18 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: OH

Complaint narrative:
I sent certified mail to equifax, XXXX, and XXXX  disputing fraudulent charges on my credit file. They were reporting wrong addresses, name spellings, and other personal information that was invalid, I disputed the companies on all three agencies by certified mail as well as the companies these charges were from, I included copies of state identification, passport, utility bills of correct address, police report of everything that was stolen, equifax breach letter with me being a claimant, and court case from one of the collections on my credit file they have not been removed its been over 30 days. XXXX gives you the run around saying there system is down and they can not transfer to a supervisor. It is almost near impossible for them to fix anything with my credit profile. I have been a victim of identity theft since XXXX  and have been dealing with these issues and till today still have not received a resolution. I want a valid answers according to the laws of the F C R A they have not done it and I am being affected daily. I sent all three bureaus 29 page documents with photo copies include proof sent by certified mail receipt no further information was provided from any of the credit repoting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MS

Complaint narrative:
My account has been blocked for two weeks. It has been no fraudulent transactions.

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 2023-09-18 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: GA

Complaint narrative:
This Person ( XXXX XXXX Credit Card ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by XXXX XXXX that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.

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 2023-09-18 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: GA

Complaint narrative:
This Person ( XXXX XXXX Credit Card ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by XXXX XXXX that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.

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 2023-09-18 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:
I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX. They did not provide me with the orginial application like I asked.I demand this account be removed from my credit report ASAP

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 2023-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Armada Corp.
State: NV

Complaint narrative:
Armada Corp of Nevada is attempting to collection on a 3 years old debt. This debt ( {$770.00} ) has been paid, in full, to the Creditor ( XXXX XXXX XXXX ). Armada filed suit for the debt ( plus court costs and fees ). Armada needs to retract their Small Claims Complaint with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: FL

Complaint narrative:
The following accounts that appear on my credit do not belong to me, I suspect my ex husband did this without my knowledge or consent, I have since been divorced from this person. 

1 ) XXXX {$59.00} opened XX/XX/XXXXXXXX  ... 2 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX ... 3 ) XXXX XXXX {$0.00} ... 4 ) XXXX XXXX {$0.00} XX/XX/XXXX .... 5 ) XXXX XXXXXXXX {$600.00} XX/XX/XXXXXXXX  .... 6 ) XXXX XXXXXXXX {$730.00} XX/XX/XXXXXXXX  .... 7 ) XXXX XXXX XXXX XXXXXXXX {$760.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: FL

Complaint narrative:
My identity has been stolen and someone is using my information to apply for credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
First of all, the alleged debt they are harassing me about has already been charged off. Second, they sold to a third party, then randomly said they decided to recollect, even though they already received credit on the account, twice, from my understanding. 
But the issue this is actually about is repeated phone calls, way more than 7 in a 7 day period. 
Anytime I have answered, no one says anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: AL

Complaint narrative:
Company is trying to collect on a balance that is not owed to them. I have know dealings with this company

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 2023-09-18 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: AL

Complaint narrative:
Company is trying to collect on a balance that is not owed to them. I have know dealings with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: AL

Complaint narrative:
Company is trying to collect on a balance that is not owed to them. I have know dealings with this company

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 2023-09-18 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: OH

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account # 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.

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 2023-09-18 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: OH

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: OH

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account # 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.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I asked Equifax to place initial fraud alert and they complied and placed initial fraud alert. I then called Equifax as well as visited website to place extended fraud alert for 7 years. I sent Equifax a certified letter with all the supporting documents that Equifax had requested and received confirmation that Equifax received the letter and supporting documents. However, Equifax still has not placed extended fraud alert on my credit file. My initial fraud alert has expired now and I just checked my credit earlier today and realized that they had not processed my request for extended fraud alert despite multiple attempts at resolving the issue on my own. I ask cfbp to assist me in getting the extended fraud alert placed on my Equifax credit report/account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2023-09-18 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:
For Experian the following inquires I did not authorize, give consent, nor do they benefit me. Please have them block and removed. : XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/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