vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: CA

Complaint narrative:
Id like to report an unanswered billing error with Carvana XXXX XXXX XXXX XXXX, that requires proof of account and how much of the debt, if any, is still owed. I conditionally accept their offer upon proof of their claim. 
On XX/XX/2024 we sent in our initial payment. It was returned to me on XX/XX/2024 as unacceptable. I reported the billing error via email on XX/XX/2024 AND via Registered Mail on XX/XX/2024 via Certified post with tracking # XXXX. The latter was sent to their Corporate address at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. Copies of documentation sent are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on 2 accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time paid as agreed as they should be as I was NEVER Late. Thanks, Fair Resolution! Update the account to Paid on time and never late. Please see screenshots attached :

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 2024-04-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After reviewing my credit report I noticed a fraudulent account on my credit report per following Experian Credit Report As of : XXXX XXXX XXXX XXXX Credit card XX/XX/XXXX Closed Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  % {$470.00} XXXX Credit Report As of : XXXX XXXX XXXX XXXX Revolving XX/XX/XXXX Closed Charge-off XXXX XXXX XXXX  % {$470.00} XX/XX/XXXX, XXXX Credit Report As of : XXXX XXXX XXXXXXXX Revolving account XX/XX/XXXX Closed Charged off as bad debt XXXX XXXX XXXX % {$470.00}

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Berlin-Wheeler, Inc. (Kansas)
State: CA

Complaint narrative:
Hi, i've been victim of theft identity. people applied for a loan in my name from these two companies below XXXX XXXXXXXX XXXX XXXX XXXX i had loan amount is ( XXXX $ ) on XXXXXXXX XXXX- i had loan amount is ( XXXX $ ) on XXXXXXXX XXXX- i had loan amount is ( XXXX $ ) on XXXX XXXX XXXX XXXX XXXX ; i had loan amounXXXX ( XXXX $ ) on XX/XX/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 2024-04-02 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: TX

Complaint narrative:
Transunion is reporting a collection from XXXX that they have provided no documents or information for me fi follow up with to validate this collection. How exactly were they able to validate and verify that this collection belonged to me? I would like these records so I may view them.

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 2024-04-02 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: Opportunity Financial, LLC
State: CA

Complaint narrative:
reporting of incomplete account numbers, incorrect dates of opening accounts, incorrect balances on accounts, different information of all three major credit bureaus reported inaacurately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX I changed my insurance carrier from XXXX to XXXX I spent an hour with the Rep going over all the details..In XXXX of XXXX I received a letter from 53rd Bank/mortgage in reference to missing Hazard/Fire/Real Property..I called XXXX to find out what was needed and was told to submit a Letter of Certification of Liability Insurance in which I emailed to them XXXX XXXX XXXX XXXX included with my monthly mortgage payment was a larger than normal amount due..I called 53rd Bank only to be told that I had a lapse in insurance coverage from XX/XX/XXXX to XXXX XXXX then contacted XXXX so that I could email 53rd Bank my proof of coverage and after they reviewed it informed me that I was given a HO3 and not a HO6 which was the correct coverage..This situation was clearly a case of miscommunication at my expense and I was forced to pay triple the amount of insurance coverage having no idea that I was given the wrong policy the amount was XXXX! I was devastated and reached out to several representatives from 53rd Bank to no avail..On XX/XX/XXXX I requested to have my Escrow account be removed and was denied stated that it was because of the lapse even thought it was a miscommunication XXXX of XXXX I again put in a request of Escrow removal and XXXX I was denied stating that they recently had to cover my insurance lapse?? I have been with XXXX Bank for several years and have never missed a payment or have had any issues with insurance coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: NY

Complaint narrative:
Hello I am Following up, to delete the following information in my file, these items do not belong to me.. I am a victim of identity theft and did not make the charge. I reported this to the Federal Trade Commission. It is my understanding that under Law you had 30 days from the receipt of prior letter to verify items, being that it has not been verified within that 30 day period it constitutes reason to be immediately deleted from my credit report. Also, Pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me when the items has been deleted. According to the provisions of 15 U.S.C. Section 1681j, there should be no charge fort this notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello I am Following up, to delete the following information in my file, these items do not belong to me.. I am a victim of identity theft and did not make the charge. I reported this to the Federal Trade Commission. It is my understanding that under Law you had 30 days from the receipt of prior letter to verify items, being that it has not been verified within that 30 day period it constitutes reason to be immediately deleted from my credit report. Also, Pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me when the items has been deleted. According to the provisions of 15 U.S.C. Section 1681j, there should be no charge fort this notification.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
The following account ( ComentiyBank/XXXX XXXX ) is reporting to XXXX, XXXX and XXXX when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. I have a copy B of the 1099-C form proving the debt was accepted by the IRS and discharged and that because of that fact, this debt is cancelled. According to IRS publication 4681 ( 1. ) Canceled debts, When a debt is canceled or forgiven, the amount of the canceled debt is treated as taxable income to the debtor by the IRS. Income can not be reported on consumer credit reports this indicates inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that 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. 
I demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: IL

Complaint narrative:
The following violation are happening after several request have been made to correct the inaccurate information. These accounts are reporting inaccurately because they are reporting against my wishes in general. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 US code 1681 ( b ) Permissible purposes of consumer reports. The third violation is 15 US code 6802 b ( 1 ) b Obligations with respect to disclosures of personal information.

( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Please address the following : Who is the furnisher used to verify these accounts? 
Provide written consent giving permission to report these accounts. 
Provide written signed agreements saying that I was offered the option to OPT out of the account reporting prior to reporting. 
Are you denying me the above rights that were put in place as a way of fair regulation by the government? 
I am requesting that you remove these accounts : XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$710.00} XXXX XX/XX/XXXX & XXXX {$20000.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I revoke written consent . Any reporting of the following accounts is against my wishes, and I would like to receive {$1000.00} per each violation. I would like to exercise my rights to OPT out at this time. Especially since I was not given that right prior to the first day of reporting. I have also attached statements from the data furnishers saying that they have not disclose any information on my behalf.

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 2024-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

CCBXXXX I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: MI

Complaint narrative:
REMOVE UNAUTHORIZED FRAUDULENT INQUIRES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRIES : XXXXXXXX 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 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My Chase XXXX XXXX XXXX credit card includes Trip Cancellation/Trip Interruption Insurance as a key benefit however when you make a valid claim for reimbursement, they routinely reject the claim. I filed a claim with Chase Card benefit services for reimbursement for forfeited airline tickets due to sudden illness when traveling overseas. I attached all required supporting documents including a signed physicians statement. Since then, I have repeatedly had to reach out to the company with no response. Finally, last week on XX/XX/2024, they rejected my claim for a completely false and invalid reason. After conducting some research online, I discovered they usually reject valid claims and request the same documents repeatedly to avoid paying out. See link below for another dissatisfied customer that experienced a similar issue and filed a claim with CFPB as well. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE LATE PAYMENTS BEING FURNISHED TO MY CREDIT REPORT. I HAVE NEVER BEEN LATE WITH THIS CREDITOR. 

I REQUESTED CONCRETE EVIDENCE OF THESE LATE PAYMENTS, WITH NO FORMAL RESPONSE. THESE LATE PAYMENTS ARE UNVERIFIABLE. FURNISHING THESE INACCURATE PAYMENTS ARE AFFECTING MY ABILITY TO OBTAIN CREDIT. LATE PAYMENTS ARE BEING FURNISHED DUE TO COMPUTATION, AND THE CREDITOR FAILING TO PROVIDE A STATEMENT 21 DAYS PRIOR TO THE DATE. NOT CORRECTING THIS IS IN VIOLATION OF 15 USC 1666B I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO FCRA, INFORMATION PERTAINING TO TRANSACTIONS AND CUSTOMER EXPERIENCES ARE TO BE EXCLUDED FROM THE CONSUMER REPORT. REPORTING THIS INFORMATION IS IN VIOLATION OF 15 USC 1681S-3 LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried for years to get my credit report or to be more exact, my full file disclosure per 15 USC 1681g via XXXX and it never works. I have tried calling Experian, XXXX, and XXXX directly on a multitude of occasions and the agents have been unable to help me. Moreover, the agents ( and presumably their supervisors ) have been completely ineffective despite my requests to escalate the 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 non-monetary relief
Consumer complaint received 2024-04-02 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: FL

Complaint narrative:
There are several inquiries that I require proof of a permissible purpose. 
PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT.

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 2024-04-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-04-02 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: FL

Complaint narrative:
I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.

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 2024-04-02 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: MS

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

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 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Under FCRA Guidelines IC Systems XXXX charter communications violated my rights according to
15 USC 1681 section 602: Rights to privacy 
15 USC 1681 section 604 A section 2 : Consumer reporting Agencies cannot furnish account info without 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 2024-04-02 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: PA

Complaint narrative:
Dispute inaccurate items on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief