vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.

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 2024-05-01 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:
Incorrect payment history reported multiple accounts. 
Accounts not belonging to me repeatedly reported. 
XXXX XXXX reporting Incorrect information. 
XXXX reporting Incorrect info Data breach with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX theft XXXX XXXX XXXX Identity theft XXXX XXXX Identity theft XXXX XXXX XXXX XXXX XXXX theft XXXX XXXX Identity theft XXXX XXXX XXXX XXXX XXXX theft XXXX XXXX XXXX XXXX XXXX theft XXXX XXXX XXXX XXXX XXXX Identity theft XXXX XXXXXXXX XXXX XXXX XXXX not authorized by me Crimes Committed under my Identity XXXX reports XXXX XXXXXXXX XXXX  identity theft account Old Negative Accounts over 10 years reporting. 
XXXX XXXX not accurately reported XXXX XXXX paid in full and receipt submitted as proof but still reporting negative.

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 2024-05-01 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: CA

Complaint narrative:
Incorrect payment history reported multiple accounts. 
Accounts not belonging to me repeatedly reported. 
XXXX XXXX reporting Incorrect information. 
XXXX reporting Incorrect info Data breach with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX theft XXXX XXXX XXXX Identity theft XXXX XXXX Identity theft XXXX XXXXXXXX XXXX XXXX XXXX theft XXXX XXXX Identity theft XXXX XXXX XXXX XXXX XXXX theft XXXX XXXX XXXX XXXX XXXX theft XXXX XXXX XXXX XXXX XXXX Identity theft XXXX XXXXXXXX XXXX XXXX XXXX not authorized by me Crimes Committed under my Identity XXXX reports XXXX XXXX XXXX  identity theft account Old Negative Accounts over 10 years reporting. 
XXXX XXXX not accurately reported XXXX XXXX paid in full and receipt submitted as proof but still reporting negative.

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 2024-04-30 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: IL

Complaint narrative:
SEE ATATCHED DOCUMENTS

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: PA

Complaint narrative:
On XX/XX/year> I sent Lexis Nexis an affidavit because I saw inaccurate information on the report I received and a car that never own, they send me a letter saying they can't authenticate my dispute because of identity, but how when I send a clear picture of my ID and got the letter notary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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:
I'm experiencing XXXX XXXX, and XXXX concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this 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 2024-05-01 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: NY

Complaint narrative:
I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments.It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

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 2024-04-30 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: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
In XX/XX/2024 I applied for a credit card in my name from Regions. I currently am primary on a XXXX w/ my XXXX Over 2 yrs with no late pay, no over draft, once did I go over 75 % of credit limit {$460.00} ) and I paid it off in full within 4 days. In XX/XX/2024 I received a denial letter. 
My complaint is that I was denied by having a XXXX XXXX of XXXX. My Regions app showed a XXXX score of XXXX, I was told XXXX XXXX scored me a XXXX score of XXXX. I received an email from the underwriter to the bank employee. Below is what the I received in the email. Please also read the attached and start with the branch XXXX 's email to the underwriter. 

Good morning XXXX, the score that you are referencing are provided to us by XXXX XXXX which the XXXX score is based on what XXXX scores a consumers credit and from my experience the score provided to the consumer will always differ from the score provided to a lender as lenders can communicate to the credit reporting agency on how they would like their particular products scored. 

My concern is that Regions purposely manipulated my credit score. I have reached out to the branch XXXX, underwriter, and the underwriters supervisor, a VP w/ Regions. Not one time has anyone explained to me the discrepancy in the credit reporting and how there can be such a variance, they are refusing to give me an answer, even when I asked clarification on the above statement that " lenders can communicate to the credit reporting agency how they would like their particular products scored ''. 

Is Regions bank telling XXXX how to score my credit? Again, my app showed XXXX the day of the application and I was told XXXX scored a XXXX. I need help understanding how there can be such a variance with only 4 days above the 75 % limit with no other concerns in over XXXX yrs as a card holder. I've had XXXX XXXX at the same XXXX for over XXXX yrs and I'm a full time XXXX XXXX  on the XXXX 's XXXX. 

I feel Regions bank is discriminating against me for my age and manipulating my score card with them to suit their needs a lender. Not one time has anyone reached out to me to help me understand what the concerns were and how as a customer I could improve these concerns. I'm only trying to build my credit as I'm finishing XXXX. I've done everything correctly with my time as a Regions customer. I will attach the email chain. 
Thank you for your time.

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 2024-04-30 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: GA

Complaint narrative:
On XX/XX/XXXXXXXX  I submitted a request to have 2 accounts removed from my credit report, due to the fact that they were canceled by the creditor. I submitted my copy of the 1099-C that both XXXX XXXX and XXXX canceled these accounts. Under the governing laws of the IRS, canceled debt is deemed income by the IRS. Which means that I now must file these forms with my XXXX tax return. Attached is evidence that these accounts were indeed canceled. It is illegal to report a canceled account to a credit report because it is now considered income by the IRS.

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 2024-04-30 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: FL

Complaint narrative:
Transunion, XXXX XXXX XXXX continue to report incorrect information on the account listed as XXXX there is a late payment reporting for Transunion but not the other consumer agencies. This can not be as the account must report accurately across the board. Remove the late payment immediately or provide the evidence Transunion used to determine the late payment. 
( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-04-30 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: TX

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this 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 explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/24

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: AZ

Complaint narrative:
Today, XX/XX/scrub>/2024, I received a call from " XXXX XXXX '' stating his company name is XXXX XXXX XXXX in New York. XXXX stated that he wanted to share with me a way to lower my credit card interest rates to 0 % for as long as I keep the cards and could even negotiated a lower balance. XXXX then took all the information of my credit cards and said I would be speaking to a " XXXX XXXX ''. XXXX gave me his number : ( XXXX ) XXXX, ext. XXXX. I was transferred to " XXXX XXXX ''. 

XXXX wanted me to give him other cards because " XXXX '' sent them the notification that because I was paying all my credit cards on time and that I qualified for a hardship, I would qualify to have these credit card balances to be removed from my credit report. XXXX now asked again about other credit cards even though I had already given this company. He then said he would have " XXXX XXXX '' call me. XXXX gave me his contact number : ( XXXX ) XXXX, ext. XXXX. 

I did not get a called back. So, I called the above number and extension and XXXX answered without presenting his company name or even his name. He then stated my credit was bad and I was maxed out on my credit cards. I knew this already. I came to the realization that they was looking for a credit card that had no balance and that was either XXXX, XXXX or XXXX XXXX. His last words to me : " I don't want to talk to you any more '' and hung up the phone. 

I will be closing all the credit cards because of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: DC

Complaint narrative:
I did not authorize for my credit to be pulled, I went to the dealership on XX/XX/year>2024, i filled out an application and authorized XXXX  to run my credit, I brought the card now its XX/XX/year>2024 I pull my credit report and i got 5 different banks and auto finance company on my credit report that i did not give permission to pull my credit report. 

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 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The company takes zero accountability for their errors and shows less compassion for people on a fixed income. I can not buy food/supplies that my family needs because they have frozen my social security check in their account based off of their own incompetence. I originally had to replace my debit card but was forced to order a third debit card on account of the second never showing up at all. Nonetheless the incompetence and paper pushing money XXXX shows true colors of Experian smart money and XXXX and XXXX in regards to suspending the account for multiple card replacements and spending time on the phone with no knowledge call centers to not help someone get the only money they have to take care of their family. One of the foreigners could barely speak English and was laughing at my situation.

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 2024-04-30 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.

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 2024-04-30 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: LEXISNEXIS
State: TN

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 informationisinaccurate.

Company response to consumer: Closed with explanation