vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I visisted XXXX but unable to get reports from agencies.

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 2023-08-06 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: Eastern Account Systems of Connecticut, Inc.
State: IL

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


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

15 USC 1681 Section 604 states that 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 plan as late for any purpose.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Congress passed the Fair and Accurate Credit Transactions Act of XXXX  ( FACTA ) to add identity theft protection. I have the right to include a fraud alert on my credit report if I have a good-faith suspicion that I am the victim of identity theft. The fraud alert is suppose to notify users of victim of Identity Theft. Fraud alerts are suppose to be free. I also have the right to have a CRA block information related to identity theft from being on my credit report. For example, if an identity thief has used my information to open an account and never paid the bill, I can have this blocked from my credit report. Though I must meet some conditions. If the conditions are met, the CRA has four business days to block this information from being viewed by potential users of your credit report. I have supplied appropriate proof of your identity to the CRA. I have supplied the identity theft report from a federal, state, or local law enforcement agency. I have identified the faulty information on the credit report. I provided a statement to the CRA explaining that you werent connected with the transaction ( s ) involving the identity theft. EXPERIAN has failed to follow these regulations set by the Federal government. 
THIS INCLUDES XXXX AND XXXX, WHICH ARE GOVERNED BY THE SAME LAWS. CONSUMER WILL BE FILING COMPLAINT FORMS WITH SEC AS THESE COMPANIES ARE SECURITIZING THIS CONSUMERS DATA BUT WONT UPDATE REPORT TO SHOW ACCURATE INFORMATION AND PROVIDE A COPY.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX. -- Prior ( same complaint ) you closed without resolution -- -please STOP closing the complaint when the company responds but the issue is NOT RESOLVED. I am tired of refiling the same complaint over and over. 

This is now my XXXX complaint about the same problem. I can not access my Experian account online. They do not recognize the password and the phone number associated with the account is not mine so that I can update/change my password. 

I received a call about the issue from them and they left a message -- -I followed up and got an answering machine. No one has responded.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion has placed a fraud alert on my credit file for 7 yrs which is hurting my ability take a loan, credit facility.

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 2023-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
Best Egg declined my credit application siting credit score as a reason when my credit score is better than the avg consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
On XX/XX/2023 I discovered various companies illegally reported personal, inaccurate, and private information to banks, and other credit agencies without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX  I discovered various companies illegally reported personal, inaccurate, and private information to banks, and other credit agencies without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: ID

Complaint narrative:
My plan was to get some student loans paid off before interest starts back up, but twice now my attempts to pay have been blocked. 

First attempt was over a week ago. I got an email that the payment was posted and the loans were at zero, but my bank never pulled the funds from my account. The next day it showed " payment reversal '' on my account history, but I didn't get any notice of why. I called and they said that there was an error with the account number. I asked for this in writing so that I had proof before I resubmit the payment ( If they pulled the money twice I wanted proof that the overdraft wasn't my fault ), and was told it would take over two weeks to get an email confirming that the payment hadn't gone through?

I told them to send it as soon as they could but specify the dates. I got verbal confirmation that they wouldn't attempt that payment again.

Yesterday, after letting everything sit for a couple of days, I went to make the same payment again. Triple checked the account number. I got an email stating payment was confirmed! ( not " posted '' like last time ). This morning I woke up to letters in my AidVantage inbox saying the payment didn't go through because of invalid account number. 

Now that this has happened twice, I'm convinced this is not any error of mine. Both times I was careful to input my information correctly. I'm convinced there's a technical problem on their end, but their helpline people are useless. They switch between blaming the bank or blaming me. 

I've confirmed with my bank that no attempt was made to transfer money out of the account. 

Essentially I have no way to prove that the problem is on their end, and their system is being so buggy that I can't get accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Subject : Request for Removal of Late Payment from Consumer Report Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter concerning a late payment on account number XXXX from XXXX XXXX XXXXXXXX that is currently appearing on my consumer credit report. Based on my understanding of the law, as stated in 15 U.S. Code 1681a - Definitions ; rules of construction, I believe that this late payment should be removed from my credit report.

According to the aforementioned section of the U.S. Code, the term " consumer report '' does not include a report that contains information solely as to transactions or experiences between the consumer and the person making the report, except as provided in paragraph ( 3 ) and subject to section 1681s3 of the same title. As such, I contend that the inclusion of this late payment on my consumer report violates the exclusion outlined in the law.

I kindly request that you review my account and remove the late payment from my credit report in accordance with the aforementioned legal provision. As the late payment falls within the category of a transaction or experience between myself and XXXX XXXX  XXXX, I believe it should not be considered part of my consumer report. 
I understand that accurate reporting of credit information is vital for maintaining the integrity of credit reports and ensuring fair assessments of consumers ' creditworthiness. I trust that Transunion, as a responsible and reputable financial institution, shares these principles and will take appropriate action to address this matter. 
I kindly request that you provide written confirmation of the removal of the late payment from my consumer report within [ 30 days ] of receiving this letter. Additionally, I would appreciate your assistance in ensuring that any necessary updates are made to the credit reporting agencies to reflect this change accurately. I am documenting this notice as evidence that I brought this to your companies attention just incase I have to sue in court for violations that is being committed.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has placed a fraud alert on my credit file for 7 yrs which is hurting my ability take a loan, credit facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: SC

Complaint narrative:
I am writing to file a formal complaint against Experian, for their failure to conduct a thorough investigation regarding my credit dispute in accordance with Metro 2 compliance requirements. They've also failed to comply with several FCRA laws. After submitting my initial dispute, I received a response from Experian that my accounts were verified. Their feedback indicated that they had completed their investigation and found the information reported to be accurate. However, upon my further review and after obtaining additional documentation, it became evident that their investigation was either incomplete or not thoroughly performed.

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 2023-08-06 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: GA

Complaint narrative:
Congress passed the Fair and Accurate Credit Transactions Act of XXXX  ( FACTA ) to add identity theft protection. I have the right to include a fraud alert on my credit report if I have a good-faith suspicion that I am the victim of identity theft. The fraud alert is suppose to notify users of victim of Identity Theft. Fraud alerts are suppose to be free. I also have the right to have a CRA block information related to identity theft from being on my credit report. For example, if an identity thief has used my information to open an account and never paid the bill, I can have this blocked from my credit report. Though I must meet some conditions. If the conditions are met, the CRA has four business days to block this information from being viewed by potential users of your credit report. I have supplied appropriate proof of your identity to the CRA. I have supplied the identity theft report from a federal, state, or local law enforcement agency. I have identified the faulty information on the credit report. I provided a statement to the CRA explaining that you werent connected with the transaction ( s ) involving the identity theft. XXXX has failed to follow these regulations set by the Federal government. 
THIS INCLUDES TRANSUNION AND XXXX, WHICH ARE GOVERNED BY THE SAME LAWS. CONSUMER WILL BE FILING COMPLAINT FORMS WITH SEC AS THESE COMPANIES ARE SECURITIZING THIS CONSUMERS DATA BUT WONT UPDATE REPORT TO SHOW ACCURATE INFORMATION AND PROVIDE A COPY.

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 2023-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Hello Portfolio Recovery, Cease and Desist all contact by phone. 

I've already asked you to cease and desist from calling XXXX and you called again XXXX. 

This alleged debt was satisfied years ago via garnishment please see attached court documents. 

You can contact the UT courts directly and request documentation, I have provided the case number located on the court document. 

Consider this a formal dispute. Only reply to me from this point on, in writing. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: MI

Complaint narrative:
XXXX XXXX and Experian continue to report this account incorrectly. The account has been paid in full and discharged. Per the IRS this is now considered a certificate of indebtedness and is income. Income can not be reported. 

XXXX XXXX agreed in their terms and conditions agreed not to release my non public information to non affiliates. Experian is not an affiliate of XXXX XXXX and is not the credit bureau. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports. Experian is a private owned company does furnish reports based on profit. 

Experian does not have my written consent to furnish ANY of my financial history with XXXX XXXX. 

XXXX  XXXX is required to refund any balance due back to me within 7 days. I am requesting my payment be sent immediately. 

This account is listed multiple times on my consumer report with the same account number with my financial history attached. You can not have the same acount number for multiple accounts.

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 2023-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
Upstart declined my credit application citing credit score when my score is better than the average consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: CA

Complaint narrative:
I recently discovered that XXXX of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my XXXX XXXX and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to 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 2023-08-06 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: CA

Complaint narrative:
I recently discovered that XXXX of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my XXXX XXXX and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to 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 2023-08-06 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 — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I recently opened a mortgage loan on an investment property which SHOULD'VE been under my LLC 's credit report and not my own. My LLC is a XXXX XXXX where I only have 33.33 % interest into the investment property, but I acted as the signer on behalf of my LLC when we signed the loan documents. Before signing documents, I confirmed with my loan officer that I was only signing on the LLC 's behalf and that this loan would not show up on my personal credit report. I even have the loan disclosures to show that the LLC is listed as the borrower, not my personal name. However, this mortgage loan is currently showing up on my personal credit report and I have already reached out to my loan provider to correct the issue. However, they said since it's my name on the loan documents, I have to be held responsible for the loan. They have asked me to reach out to the credit bureaus if I wanted to extend this investigation further. I have included their official response letter along with my evidence showing the formation of my XXXX XXXX which shows my interest percentage in the company, the corporate resolution document signed by the other members of the LLC to show that I have the right to act as the signer on the LLC 's behalf, and the loan disclosure and documents which shows that the LLC is listed as the borrower and not myself. Furthermore, I want to make a point that this investment property and loan is signed in Arizona where state law requires that an individual must sign loan documents even if it's on behalf of the LLC. They do not allow the LLC entities to be the official signer of documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Amazon XXXX Synchrony card number XXXX XXXX XXXX XXXX I never received any bill, no online access to pay my bills yet I did pay it off in full. 
Moreover inaccurate info has been reported by the company to the 3 credit bureaus.

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 2023-08-06 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 — Investigation took more than 30 days
Company: Data Search NY, Inc.
State: FL

Complaint narrative:
No credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
I paid {$83.00} to XXXX XXXX over the phone for the rafting tour i went on, they for some reason charged me {$130.00} which i didnt agree to, i created a dispute with discover, and they origonally gave me a credit, but then they reversed it, and took the money back, charging me for more then i agreed to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: CA

Complaint narrative:
please see attachments all XXXX credit reporting agencies failed to follow fcra rules and regulations

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