vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-26 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( c ). ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any 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.

15 U.S.C 6802. I did not receive the required opt-out notice at the time the account was created and now being reported.

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 2024-05-26 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-26 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: CA

Complaint narrative:
XXXX XXXX  Account Number- XXXX. I just received a copy of my credit report I noticed that you guys are reporting this account incorrectly this collection account is reporting not only OPEN, but also shows the past due balance of {$650.00} according to the FCRA, I have a a right to a accurate credit report please remove this account immediately from my credit report please provide me a new copy of my credit report reflecting this account upon completion

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Account was reported to my credit file as written off/ Charge off.

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Account was reported to my credit file as written off/ Charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: OH

Complaint narrative:
Account was reported to my credit file as written off/ Charge off.

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 2024-05-26 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:
My initial loan were with XXXX XXXX which they went out of business in XXXX of XXXX. XXXX XXXX took over their comstumer loans. I asked XXXX XXXX for a copy of original loan that I signed with the company. My loan roughly around {$13000.00} and they added XXXX to my loan without me knowing anything about it. They did not give it to me since I've talked to them on XX/XX/XXXX. They repossessed my car which I paid {$1200.00} to get it back. They blocked me from having access to the account whatever small amount left. I could not pay it. According to their system. My last date for payment was XX/XX/XXXX. They claim I owe {$2000.00} now which doesn't make sense at all. I'm currently talking to a law to make a lawsuit against 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 2024-05-26 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:
My initial loan were with XXXX XXXX which they went out of business in XXXX of XXXX. XXXX XXXX took over their comstumer loans. I asked XXXX XXXX for a copy of original loan that I signed with the company. My loan roughly around {$13000.00} and they added XXXX to my loan without me knowing anything about it. They did not give it to me since I've talked to them on XX/XX/XXXX. They repossessed my car which I paid {$1200.00} to get it back. They blocked me from having access to the account whatever small amount left. I could not pay it. According to their system. My last date for payment was XX/XX/XXXX. They claim I owe {$2000.00} now which doesn't make sense at all. I'm currently talking to a law to make a lawsuit against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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:
My initial loan were with XXXX XXXX which they went out of business in XXXX of XXXX. XXXX XXXX took over their comstumer loans. I asked XXXX XXXX for a copy of original loan that I signed with the company. My loan roughly around {$13000.00} and they added XXXX to my loan without me knowing anything about it. They did not give it to me since I've talked to them on XX/XX/XXXX. They repossessed my car which I paid {$1200.00} to get it back. They blocked me from having access to the account whatever small amount left. I could not pay it. According to their system. My last date for payment was XX/XX/XXXX. They claim I owe {$2000.00} now which doesn't make sense at all. I'm currently talking to a law to make a lawsuit against 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 explanation
Consumer complaint received 2024-05-26 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: TN

Complaint narrative:
In accordance with the fair Reporting act. This creditor has violated my rights.

Under 15 USC 1681. Section 602 states I have the right to privacy. 15USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purposes.

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 2024-05-26 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: CA

Complaint narrative:
XXXX XXXX Account Number- XXXX. I just received a copy of my credit report I noticed that you guys are reporting this account incorrectly this collection account is reporting not only OPEN, but also shows the past due balance of {$650.00} according to the FCRA, I have a a right to a accurate credit report please remove this account immediately from my credit report please provide me a new copy of my credit report reflecting this account upon completion

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 2024-05-26 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: CA

Complaint narrative:
XXXX XXXX Account Number- XXXX. I just received a copy of my credit report I noticed that you guys are reporting this account incorrectly this collection account is reporting not only OPEN, but also shows the past due balance of {$650.00} according to the FCRA, I have a a right to a accurate credit report please remove this account immediately from my credit report please provide me a new copy of my credit report reflecting this account upon completion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Synchrony bank pulled my credit without consent. They never notified me that they would pull my report, but in a letter they sent me admitted they pulled my credit and then used that as an excuse to deny an account ( since my credit file is locked ).

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 2024-05-26 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: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accuracy. Here is the item that I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: NM

Complaint narrative:
I have been XXXX  since XX/XX/XXXX I should not have any inquiries on my credit report until this month of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: NJ

Complaint narrative:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2024-05-26 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: CA

Complaint narrative:
XXXX XXXX XXXX : XX/XX/year> Dont recognize inquiry not mines

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I check my credit report and see inaccurate information on it. It's show late payment that don't add up please removing and delete this account. XXXX XXXX XXXX XXXX. It say XXXX days late for XXXX times and 60 days late XXXXtimes and 90 days late XXXXtimes. This is all inaccurate information. Please remove this 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 non-monetary relief
Consumer complaint received 2024-05-26 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: IL

Complaint narrative:
I check my credit report and see inaccurate information on it. It's show late payment that don't add up please removing and delete this account. XXXX XXXX XXXX XXXX It say 30 days late for XXXX times and 60 days late XXXXtimes and 90 days late XXXXtimes. This is all inaccurate information. Please remove this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I called XXXX XXXX after calling 7 other credit card companies ) to explain I am getting ready to get a divorce and wanted to make sure my name was not listed as an authorized user and to remove my name if it was. The agent told me there is no way unless speaking to the primary. I had already provided sufficient information to get the account accessed and the agent had it in from of them. I asked for a supervisor. I explained to the supervisor I work at a major credit card company as a supervisor and have called 7 other companies today who were happy to advise if my name was on the account or not since I am not asking for more account specific information. Not only did the " supervisor '' tell me they can not without the primary cardholder but said I could not file a complaint with the bank but need to go to Kohl 's website. When I asked what bank they worked for the supervisor said Kohl 's. I asked again and said you work for a bank not kohls... Which bank do you work for, the supervisor finally told me capital one. I then asked for executive information and was told hours. It took pulling it out of the supervisor for an actual phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: IL

Complaint narrative:
On or about XX/XX/2024, XXXX XXXX XXXX received a cease-and-desist notice instructing them to immediately halt communication regarding the subject matter. This notice also explicitly outlined the only permissible ways for them to communicate with me about this purported debt. XXXX XXXX XXXX acknowledged receipt of this notice in their response to my XXXX complaint ( XXXX ) by stating : " XXXX acknowledges that we received the consumers cease-and-desist notice on XX/XX/2024. XXXX has noted the file accordingly and taken precautions to prohibit any outbound collection activities on this account. No further contact with the consumer has been, nor will be made. However, the presence of a cease-and-desist notice does not preclude XXXXXXXX  continued credit reporting of this {$400.00} debt. '' Therefore, XXXX is knowingly choosing to ignore and violate the provisions of 15 USC 1692c ( c ) Ceasing communication. 

Federal law defines communication as : " The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' This means that any act of sharing information about a debt, whether done directly or indirectly, using any means or method to convey that information to any person, constitutes communication. 

On XX/XX/2024, XXXX XXXX XXXX deleted their trade line from my XXXX consumer report. However, they continue to report their trade line on my XXXX and TransUnion consumer reports.

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 2024-05-26 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: IL

Complaint narrative:
On or about XXXX XXXX XXXX XXXX XXXX XXXX  received a cease-and-desist notice instructing them to immediately halt communication regarding the subject matter. This notice also explicitly outlined the only permissible ways for them to communicate with me about this purported debt. XXXX XXXX XXXX acknowledged receipt of this notice in their response to my XXXX complaint ( XXXX ) by stating : " XXXX acknowledges that we received the consumers cease-and-desist notice on XXXX XXXX XXXX XXXXXXXX has noted the file accordingly and taken precautions to prohibit any outbound collection activities on this account. No further contact with the consumer has been, nor will be made. However, the presence of a cease-and-desist notice does not preclude XXXX  continued credit reporting of this {$400.00} debt. '' Therefore, XXXX is knowingly choosing to ignore and violate the provisions of 15 USC 1692c ( c ) Ceasing communication. 

Federal law defines communication as : " The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' This means that any act of sharing information about a debt, whether done directly or indirectly, using any means or method to convey that information to any person, constitutes communication. 

On XX/XX/2024, XXXX XXXX XXXX deleted their trade line from my XXXX consumer report. However, they continue to report their trade line on my Experian and XXXX consumer reports.

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I SENT A LETTER OUT ON XXXX XXXX XXXX XXXX XXXX, transunion, XXXX  however its been more days and the credit bureaus failed to send my investigation back according to the law 15 USC CODE 1681I ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

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