vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I CHECKED MY CREDIT REPORT AND SEEN THAT SOMEONE HAS BEEN APPLYING FOR CREDIT AND I HAVE NO KNOWLEDGE OF THIS AT ALL AND I ALSO HAVE IDENTITY THEFT ON MY CREDIT REPORT FOR FRAUD.             Inquiry date
XXXX XXXX XXXX
Removal date
XXXX XXXX
Additional details
Business type
Finance, personal
Contact info
Address
XXXX XXXX XXXX XXXXOHXXXX
Phone number
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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
I checked my credit report and i see alot of these inquiry on my credit report that i have no knowledge of any of these and i am a victim of identity fraud and it is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
Bank is refusing to dispute and credit for transactions, per card holder agreement. Bank is causing the plaintiff personal and professional damages and life-threatening medical complications. Account holders are released of all liability for matters involving the bank and any direct or indirect events that may arise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX, Transunion, and XXXX have been and are in constant violation of the United States Codes that cover " Accuracy and Fairness of Credit Reporting. '' For my current and open account XXXX XXXX Account, XXXX has violated my right to privacy, reporting my private information regarding my open accounts payments. This is not a closed account. Yet According to 15 U.S. Code 1681 it states " 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I do not consent in any way for my private status of my open and current account ( s ) under this account to be reported to XXXX, XXXX, or Transunion Credit Bureaus. According to this United States Code, my right to privacy has been and is continuously being violated, with reporting my late payments in my credit report, which have not only affected my ability to qualify for proper mortgage loans while serving in XXXX XXXX military status currently, but being able to properly qualifying for appropriate car loans, with a fair reporting credit score due to deficiencies reported like such. 

As for the XXXX XXXX XXXX account listed as a closed account on my XXXX Credit Report, Transunion Credit Report, and my XXXX  Credit Report, I am demanding that this account be removed from all credit bureaus including but not limited to XXXX, XXXX, and Transunion, as it violates my right to privacy posting late payments within this account, and also posts the account as a charge off. A charged off account, can not be considered a " late payment. ''

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax, XXXX, and XXXX have been and are in constant violation of the United States Codes that cover " Accuracy and Fairness of Credit Reporting. '' For my current and open account XXXX XXXX Account, XXXX has violated my right to privacy, reporting my private information regarding my open accounts payments. This is not a closed account. Yet According to 15 U.S. Code 1681 it states " 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I do not consent in any way for my private status of my open and current account ( s ) under this account to be reported to XXXX, Equifax, or XXXX Credit Bureaus. According to this United States Code, my right to privacy has been and is continuously being violated, with reporting my late payments in my credit report, which have not only affected my ability to qualify for proper mortgage loans while serving in XXXX XXXX military status currently, but being able to properly qualifying for appropriate car loans, with a fair reporting credit score due to deficiencies reported like such. 

As for the XXXX XXXX XXXX account listed as a closed account on my Equifax Credit Report, XXXX Credit Report, and my Experian Credit Report, I am demanding that this account be removed from all credit bureaus including but not limited to Equifax, XXXX, and XXXX, as it violates my right to privacy posting late payments within this account, and also posts the account as a charge off. A charged off account, can not be considered a " late payment. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account with XXXX XXXX was previously disputed and removed. It was replaced on account. I have NOT had XXXX services since XXXX. My account was XXXX. 
In XXXX my son was 6 months old, my husband grandma lived with us and our service was CUT for non payment. His grandma flipped out crying she couldnt watch her soaps. Soon after we changed to dish network as a promo with our cell phone plan. I know for a fact this happened then because she died in XXXX as well as birth of my son. Prior to XXXX, we were often in delinquent status. Federal law ( US Code Title 15, 1681c ) controls the behavior of credit reporting agencies ( CRAs ). The specific law is called the Fair Credit Reporting Act ( FCRA ). Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumers credit report for up to 7 years.To determine when an account will be removed by the CRAs ( TransUnion, XXXX, and XXXX and others ), add 7 years to the date of first delinquency. The date of first delinquency is shown in credit reports. Subsequent activity, such as resolving the debt or one debt collector selling the debt to another collector, is irrelevant to the 7-year rule. Being this is PAST my 7 year mark since first delinquency plus was previously disputed and removed, Transunion is in wrong to replace. XXXX is changing dates.

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, 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 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 : 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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, 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:
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 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 : 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 explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My credit Report states that I owe XXXX {$310.00} is the balance. On XX/XX/XXXX I paid {$190.00} on my XXXX account which was the final amount due. 

I have attached proof that I paid this account in full and the balance is {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, 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 Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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.

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, 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:
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 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 : 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 explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: GA

Complaint narrative:
on XX/XX/XXXX i received a speeding citation at XXXX VIRGINIA and i paid it on XX/XX/XXXX. Now, on XX/XX/XXXX I apply Multiple of jobs i was denied those jobs because the employers said I did not pass my background report so i requested a copy of my report that is when I reach out the citation was reported on my background report. 

So when i riche out XXXX XXXX - XXXX XXXX they said that they never received the payment. then i end up making the payment again with interest. 

After i made the payment a proof payment was giving to me by the court. so i disputed it and i uploaded the documents giving to me by the court and i contacted XXXX MULTIPLE of times trying to have them remove the error on my report so that i can be able to get a job and i not getting though them still.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
On XX/XX/XXXX, while I was on the phone with a Synchrony representative, I made a payment of {$190.00} to pay off the promotional purchase of {$190.00} I had that was subject to interest charges. I told the representative to apply that full payment to the full balance of the purchase and to ensure my automatic payment on XX/XX/XXXX of {$270.00} was not impacted. He verified that the payment would pay off the promotional purchase charging interest ( so no interest would be charged ) and my automatic payment would draft as normal. On XX/XX/XXXX my automatic payment drafted for {$58.00}, {$190.00} less than my normal automatic draft amount, and both payments were spread across all purchases. So the one purchase I had charging interest was not paid off as requested. Now I've been charged interest on a balance that I specifically requested be paid off. I've now called three times trying to get this corrected and nothing has been done on my account. Synchrony even sent me a letter on XX/XX/17 saying that I did not make any payment. I feel like this is fraud on Synchrony 's part, and the company is purposely not applying my payments correctly so they can charge me interest. My purchase with interest charges should be reflected as paid in full and my automatic draft amount should draft as normal.

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/2022, I contacted the compay to advise I was impacted by COVID ( owner of business died and my son 's father lost his job as a result. I lost income and was responsible for all bills ). I asked for my options to pause payments and requested a payment pause. In XXXX, I was able to resume payments and found my loan was 120 days past due. When my auto lease was due to be turned in, I was shown my credit score, which was severely impacted by missed payments on my student loans. I contacted the company and made payments. I was told I was only due for XXXX, which is not XXXX due and should not have been marked late prior to XXXX. Additionally, the company sent me text messages saying they are processing a Repayment Discharge. I feel XXXX 's practices are confusing, as when I make payments, I am unable to see how they are being applied since they split the total into 2 loans. Therefore, when they mark a payment late for credit reporting, it's 2 separate tradelines with negative reporting for the same payment, which is more negative to consumers. The confusing and misleading information communicated by XXXX is harmful to consumers and has had a huge, negative impact on my credit and ability to secure affordable borrow terms on future credit transactions.

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/2022, I contacted the compay to advise I was impacted by COVID ( owner of business died and my son 's father lost his job as a result. I lost income and was responsible for all bills ). I asked for my options to pause payments and requested a payment pause. In XXXX, I was able to resume payments and found my loan was 120 days past due. When my auto lease was due to be turned in, I was shown my credit score, which was severely impacted by missed payments on my student loans. I contacted the company and made payments. I was told I was only due for XXXX, which is not XXXX due and should not have been marked late prior to XXXX. Additionally, the company sent me text messages saying they are processing a Repayment Discharge. I feel XXXX 's practices are confusing, as when I make payments, I am unable to see how they are being applied since they split the total into 2 loans. Therefore, when they mark a payment late for credit reporting, it's 2 separate tradelines with negative reporting for the same payment, which is more negative to consumers. The confusing and misleading information communicated by XXXX is harmful to consumers and has had a huge, negative impact on my credit and ability to secure affordable borrow terms on future credit transactions.

Company response to consumer: Closed with explanation