vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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: NV

Complaint narrative:
I am formerly informing The Credit Bureaus : XXXX, Transunion, XXXX, that I have opt out of sharing my Non public personal information with the Following Companies : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX I have taken appropriate steps to exercise my rights under 15 USC 6802 of Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. On ( XXXX ), I notified All The above companies that I am opting out of any and all authorization, whether written, unwritten, verbal, non-verbal, for the sharing of my nonpublic personal information with non- affiliated third parties, including consumer reporting agency, for any purpose other than those necessary to provide me with financial products and services. I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documents of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the XXXX, I have reason to believe that the above companies have continued to furnish my nonpublic personal information to non affiliate third parties, and consumer reporting agencies are still reporting my non public personal information, without my consent. 

The unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential for identity theft, fraud, or other financial harm. I am requesting that the non affiliated third parties, to stop reporting my non public personal information on my credit report. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that the above companies and the credit reporting agencies complies with all federal regulations and laws, including the XXXX to protect the privacy and information security of consumers like me. 

Thank You The Following are the compliant numbers Filed against each company. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto

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 2024-04-16 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: NV

Complaint narrative:
I am formerly informing The Credit Bureaus : XXXX, XXXX, Experian, that I have opt out of sharing my Non public personal information with the Following Companies : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX I have taken appropriate steps to exercise my rights under XXXX XXXX XXXX of Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. On ( XXXX ), I notified All The above companies that I am opting out of any and all authorization, whether written, unwritten, verbal, non-verbal, for the sharing of my nonpublic personal information with non- affiliated third parties, including consumer reporting agency, for any purpose other than those necessary to provide me with financial products and services. I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documents of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the XXXX, I have reason to believe that the above companies have continued to furnish my nonpublic personal information to non affiliate third parties, and consumer reporting agencies are still reporting my non public personal information, without my consent. 

The unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential for identity theft, fraud, or other financial harm. I am requesting that the non affiliated third parties, to stop reporting my non public personal information on my credit report. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that the above companies and the credit reporting agencies complies with all federal regulations and laws, including the XXXX to protect the privacy and information security of consumers like me. 

Thank You The Following are the compliant numbers Filed against each company. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto

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 2024-04-16 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: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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 do not recognize the negative accounts appearing on my 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 2024-04-16 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: LA

Complaint narrative:
I disputed this inaccurate incorrect accounts on XX/XX/2024, despite my efforts to get these violations corrected the companies has continue to disregard my complaints. According to the FCRA 15 USC 1681 E ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These companies are in direct violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: LA

Complaint narrative:
I disputed this inaccurate incorrect accounts on XX/XX/2024, despite my efforts to get these violations corrected the companies has continue to disregard my complaints. According to the FCRA 15 USC 1681 E ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These companies are in direct 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 2024-04-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Per my several attempts to resolve the inaccurate, incorrect information reporting on my credit reports the consumer credit agencies as well has the furnishers is in violation of FCRA, My rights as a consumer is in fact being disregarded despite my continually efforts for this matter to be resolved before taking legal action. XXXX XXXX XXXX is reporting a collection on my XXXX XXXX and XXXX and is in direct violation refusing validation despite my request. Also this company is not authorize to do business in the state of Georgia. My request is that these collections are proven validate with an contractual written agreement between this company and myself or the original written copy of the contract from the company the are claiming to represent with my wet signature or delete these collections from my report immediately. Account reporting as charge offs and other accounts are also showing inaccurate and incorrect names addresses and other harmful adverse information. Please delete all accounts immediately. I have attached proof of all violations along with documentation to serve as evidence before taking legal action.

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 2024-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I have tried XXXX times now to speak to a supervisor as to why my account is past due. I spoke to a rep on XX/XX/2024 who assured me that the issue was a bug and that I had nothing to worry about, at the time I was past due by {$400.00}. I called back on XX/XX/2024 and spoke to a different rep, she explained that I was past due and now owed {$810.00}, I asked to speak to a supervisor and was transferred to another rep XXXX XXXX XXXX who also told me I owed that much. XXXX went one step further and informed me that I was placed on " XXXX XXXX '' and that for some reason one of the loans was not and that's why it keeps increasing. XXXX then patched me over to a supervisor but it went to voicemail and I was told that a supervisor would call me back in XXXX days. I was never contacted and its been over a week. They did send an email stating, " We tried to contact you, but could not reach you '' XXXX days later. I have no missed calls or voicemails from Mohela. My account is now {$1000.00} past due. I tried to speak with a Supervisor today XX/XX/2024 and was placed on hold then hung up on. 

My biggest concerns are, my repayment set up automatically and yet I am " past due '', and I wasn't informed of being placed in XXXX XXXX  nor did I request it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: LA

Complaint narrative:
I have disputed these unauthorized with the creditors and consumer reporting agencies these transactions are unauthorize inquiries. 

Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion

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 2024-04-16 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: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge 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: U.S. BANCORP
State: IL

Complaint narrative:
Us bank refuses to uphold protest to fraud charge on my credit card. 
Us bank says the seller provided proof of my name address email and usps delivery All these things the scammer has so this is no proof. 
Seller supposedly sent XXXX XXXX to XXXX XXXX ( never got anything ) and package to house ( never got anything ).

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 2024-04-16 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: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-16 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: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I applied for a mortgage loan assistance. I turned in all the documents and still haven't a problem. Every time they ask for something i get it within XXXX hours. They fail to print all the documents out and give it to the underwriter. I submitted the documents on XXXX. I was told they have the gas bill and the letter stating that I am not receiving unemployment benefits. I sent XXXX loss and profits statements in the same email and my file was turned over to the attorney to put foreclosure fees on my account. I am a XXXX worker in my state and I am XXXX. I am not being help because of my XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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:
Experian told cfpb that the information was removed from my recored or they did not see it on my report which they knew lying on my report will caused financial harm and risk. I. contacted Experian call many time starting from XX/XX/XXXX police report and ftc Experian never did the proper investigation mind you I was not notify that they added account back to my account saying the company notify them to put it back on as of today XX/XX/XXXX XXXX I XXXX XXXX did my own investagation that XXXX ignoring the fcra rules to investigate before adding in formation to my account same thing with XXXX XXXX they refused to open and verify debt I do not owe as well as me being a victim of Id theft these company also sold and buy back they debt from creditors I show experian also they had it on the report as will. I need a full invesagtion on experain for breaking laws and refusing to clean or removed debt that was do to id theft off my report I also paid for the experian credit work which they suppose help and pay up to a XXXX dallors of damages as a promotion they have to for victims was a tatic to get me to sign up. cfpb also have complaint for my reports for them company. removing addresses they refuse me saying it my address .also saying they deleted or remove some account which they did not ... .see Attachments.Im also file a lawsuit. how they also sharing information to another company. clarity by experain giving no chance on tryin to reslove the matter giving out my id addresses and income my banking information it gone to far along with rent growth rent cafe giving misleading information to company im getting denied .under 15 usc 1681 i and down my rights had been violated.15 usc 1611 ( B ) prescribe regulations requiring each financial institution and each creditor to establish reasonable policies and procedures for implementing the guidelines established pursuant to subparagraph ( A ), to identify possible risks to account holders or customers or to the safety and soundness of the institution or customers ; iii ) uses other means of assessing the validity of the change of address, in accordance with reasonable policies and procedures established by the card issuer in accordance with the regulations prescribed under subparagraph ( B ) ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. 

( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( 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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
After do a loan Modification during a rough time, I have paid off all balance besides the forgone balance which was pushed to be due at the maturity of the loan in XXXX. Did not make any payments for a year because balance was shown at XXXX now all the sudden in XXXX of XXXX my account now says balance of XXXX cents, and I would receive calls stating I owed XXXX dollars or XXXX dollars, always a different number. My credit report on XXXX page says account paid in full and XXXX page says balance is {$1.00}. Can't get a direct answer from anyone and all employees answers are different. They have now reported me 30 days late in XXXX and XXXX or XXXX when my remaining balance clearly states it is the forgone balance that is due at maturity of the loan, which is XXXX. I have requested copies of loan mod documents, but they are not willing to Produce them for me. I feel the late marks on my credit are in necessary and I need XXXX answer of what is expected since each person and report and statements all have different information.

Company response to consumer: Closed with explanation