vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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: MI

Complaint narrative:
I have just learned that my information was involved in various data breaches over the past 10 years, and more recently my identity was stolen from my friends vehicle in XXXX, which has resulted in various inaccurate addresses and phone numbers being attached to my report. I have attached a copy of the police report in this regard. 

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights under 15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 section 604 a section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. No information was mailed to me at all and specifically no information was mailed to me within 21 days. 

The reporting of these late payments are not only a violation of various federal protection laws but they also have severely abused and harmed my reputation and ability to obtain credit from various lenders which has caused me to injury in various ways. 

Please remove this account from all of my reports. I have written to all XXXX credit reporting agencies multiple times stating that I do not recognize how the XXXX XXXX XXXX XXXX  account is reporting on my credit reports, I do not recognize the account number, the account status, the account high balance, nor do I recognize the late payments associated with it, everything reported here does not meet the FCRA. Please remove this account from all of my 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 2024-12-14 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: MI

Complaint narrative:
I have just learned that my information was involved in various data breaches over the past 10 years, and more recently my identity was stolen from my friends vehicle in XXXX, which has resulted in various inaccurate addresses and phone numbers being attached to my report. I have attached a copy of the police report in this regard. 

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights under 15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 section 604 a section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. No information was mailed to me at all and specifically no information was mailed to me within 21 days. 

The reporting of these late payments are not only a violation of various federal protection laws but they also have severely abused and harmed my reputation and ability to obtain credit from various lenders which has caused me to injury in various ways. 

Please remove this account from all of my reports. I have written to all XXXX credit reporting agencies multiple times stating that I do not recognize how the XXXX XXXX XXXX XXXX  account is reporting on my credit reports, I do not recognize the account number, the account status, the account high balance, nor do I recognize the late payments associated with it, everything reported here does not meet the FCRA. Please remove this account from all of my 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 2024-12-14 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: WI

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 Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: WI

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 Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 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 w
hich antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.

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 2024-12-14 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:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.

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 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc.
State: OR

Complaint narrative:
I have an account with Prosper it is a credit card. 
I have never been able to easily find the links to pay this card, it typically takes a person to a page for applying and finding out about their products. There are multiple areas that can be logged into instead of just XXXX landing page. 

I kept trying and figured out ( months ago ) that there is a sign in for loans/applications ( prosper.com ) and a separate log in for credit cards ( XXXX ) I keep a record of the site address/link to make my payments due to the confusion and have been using this info for many months. This is inefficient and confusing, however this month something changed. You can only get to the same landing page and it only goes over loans/cards and applying for their services. Every FAQ, help link, help page, article etc. takes you in circles to their same page with absolutely NO link to make a payment. 

I have contacted them, same info. They make it impossible to find a way to pay your bill. And in this day and age this should not be difficult. It is on purpose and they must change their site to be user friendly, easy to find all ways to make payments and in XXXX site.

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 2024-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On my XXXX I have XXXX Derogatory And on EQUIFAX I have XXXX Derogatory Please delete error on my credit report. 

I send a supporting documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm looking to gather information from XXXX XXXX that listed an account in collections to my personal report as a co-signer from a business credit card account that was opened. I've requested info from XXXX XXXX which they've declined to provide and/or gave me excuses why they can't open a new account with no details.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: NC

Complaint narrative:
I bought a car and had it financed through Flagship Credit Acceptance. I made all payments on time until my husband lost his income, and we fell behind. I have had the car since XXXX of XXXX and my first payment was due In XXXX of XXXX. The car payment is {$980.00} per month. I have had the car for XXXX  months and I have paid a total of {$12000.00}, and I have had XXXX deferment. As of XX/XX/XXXX, I still owed my XXXX payment. When I called in to set up a payment of {$1300.00} for XX/XX/XXXX ( that would have taken care of my XXXX payment and part of my XXXX payment ) and {$1600.00} For XX/XX/XXXX. ( that would have completed my XXXX Payment ) I was told that they I was going to be XXXX months past Due in XXXX which is incorrect. On XX/XX/XXXX I would have owed for XXXX and XXXX but they are saying that I owed for XXXX, XXXX and XXXX which is incorrect. This has happened a few times where they say that I owe more than I actually do. I have screenshots showing that my XXXX payment was paid. When I added up the number of months that I have had the car ( XXXX  months to the monthly payment of {$980.00} should have been paid is {$15000.00} minus XXXX deferred payment the total that should be past due by XX/XX/XXXX is XXXX payments of {$980.00} x XXXX for a total of {$1900.00} not for XXXX payments of {$2900.00} which is what they are incorrectly saying is due. I have been dealing with this for months each month they tell me that I am caught up them they again tell me that I am XXXX days past due. The last person that I spoke with very rudely stated well the payments that you are making are going to interest which has nothing to do with trying to say that I am XXXX  months past due.

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 2024-12-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
The information to my accounts was sold to a third party I had no knowledge of. 
XX/XX/XXXX for {$490.00}. 
XX/XX/XXXX for {$430.00}. 
XX/XX/XXXX for {$580.00}. 
XX/XX/XXXX for {$550.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: SC

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 Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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:
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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I did authorize SoFi bank transaction Pay a Friend in the amount of {$150.00}. 

Money were moved out of my Checking account, as Transfer. 

Recepient has never received the money. 

SoFi bank has provided me with the Trace number and advised to work with the receiver 's bank. 
However, the transfer recipient 's bank was not able to see and to trace the money as they never reached them. 
My multiple requests for SoFi to present back office accounting transaction record were rejected by SoFi. 
My request to refund {$150.00} also was dismissed. 

There are records of multiple opened complaints/tickets as well as chat logs and phone conversations recordings available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Dear Sir/Madam, I am writing to request the removal of a bankruptcy entry currently listed on my credit report. Upon review, I discovered that this bankruptcy was not reported by the courthouse to my credit file, and I believe it may have been inaccurately added to my report. 

The bankruptcy in question is listed under the following details : Bankruptcy Date : XX/XX/XXXX and XX/XX/XXXX I kindly request that you investigate this matter and, based on the fact that the courthouse did not report this bankruptcy, remove the entry from my credit file immediately. I disputed this and the credit companies haven't removed them. 

If you require any additional information or documentation from me to assist with your investigation, please do not hesitate to contact me. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, 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 2024-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I'm looking to gather information from Capital One that listed an account in collections to my personal report as a co-signer from a business credit card account that was opened. I've requested info from Capital One which they've declined to provide and/or gave me excuses why they can't open a new account with no details.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: NY

Complaint narrative:
On XX/XX/year>, I submitted all required documents and information to the relevant parties, as part of a standard process expected to adhere to FCRA ( Fair Credit Reporting Act ) guidelines, which stipulate a resolution or response timeframe of no more than 30 days. Despite following all guidelines and procedures, as of today 's date, the issue remains unresolved and the 30-day period has been exceeded without any communication or satisfactory explanation. This delay and lack of response are in violation of the FCRA laws that protect consumers, and I am seeking assistance to ensure that my rights under these regulations are upheld.

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