vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 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: MN

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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-08-10 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: MN

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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : 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 explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX I changed my payment method to my XXXXXXXX XXXX  checking account. My payments are auto-paid on the fourth of each month. The payment was taken out of my checking account causing my account twice to be charged XXXX each time. There was no money to cover that second withdrawal amount. I was told that they would not refund me my XXXX a cause which they created by attempting to take a second payment after my first payment had been auto-paid on the fourth. The agent told me my next payment would be XX/XX/XXXX, because they had taken it out., if what the agent told me was not true was my payment not auto-paid for XXXX?, they contacted me to tell me on XX/XX/XXXX that my account was past due, so I paid. I want my XXXX refunded back to me not credited to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The person opened an account with Capital One on XX/XX/XXXX ; the individual account was current prior to the XXXX pandemic. The global pandemic ( XXXX XXXXXXXX ) hindered the consumer from making payments on time. To ensure the consumer was protected throughout that difficult time, The Cares Act was implemented to prevent lenders from reporting late payments to credit reporting companies during XXXX. The Cares Act did not end until XX/XX/XXXX, but XXXX XXXX was reporting XXXX XXXX XXXX. Under this obligation the credit account was current before the accommodation and the consumer makes the payments pursuant to the accommodation, is not required to make one or more payments pursuant to the accommodation, or the consumer brings the credit account or obligation current. Under FCRA Section 623 ( a ) generally prohibits a person from furnishing inaccurate information to the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
My identity was stolen and was used to open a business credit card at Truist bank. I have reasons to believe the imposters used fake identification documents at a physical Truist bank location in XXXX XXXX to open this account. There is a hard inquiry from Truist bank on my credit report placed on XX/XX/year> which is unauthorized. I have contacted Truist bank twice ( on XX/XX/year> and on XX/XX/year>, Case ID XXXX ) requesting closure and confirmation of closure of this fraudulent account. They confirmed the existence of this unauthorized business account but have not been able to provide me with confirmation of closure. 
I have taken measures and filed a police report with XXXX XXXX PD ( PA ) and XXXX XXXX XXXX ( VA ). I have reported the fraudulent business ( XXXX XXXX XXXX XXXX XXXX entity ID XXXX, registered in VA ) to the Virginia attorney general 's office and state corporation commissioner 's clerk. I have frozen my credit report across all 3 credit bureaus and placed fraud alert. Per FTC 's identity theft guideline I need confirmation from Truist bank that the fraudulent account has been closed and to acknowledge that this account does not belong to me. Truist bank has not been able to provide such confirmation in a timely manner.

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 2024-08-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: OH

Complaint narrative:
After already submitting tax info for my IDR plan, I have now received a letter stating that in December I will have unreasonably high repayment amounts, in the neighborhood of {$5700.00} a month ( more than my monthly take home pay ) after insurance, taxes, and retirement withholding ). I was on the SAVE plan and they have the account on administrative forbearance. Trying to call is a circus. Insane delays. You can never get ahold of anyone. Who can wait for hours on hold? I have a job - trying to deal with my loan servicer shouldnt be another full time job. So I cant tell if they have my IDR tax info or not and theyre saying on the site that XXXX cant reapply until they notify you when you can. Im so confused and cant get ahold of someone to help me sort out whats happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to formally dispute the unauthorized acquisition of my bankruptcy records, which I believe were obtained illegally by LexisNexis. According to 15 USC 1681a ( 4 ), I have the right to privacy regarding my personal and financial information, including bankruptcy records. I assert that the disclosure of these records to LexisNexis was not authorized by me, nor do I recall providing consent for this access. 

Please provide me with the following information to clarify this matter : Details of the Access : Information on how and when LexisNexis obtained my bankruptcy records. 

Source of Information : The name of the entity or individual who provided these records to LexisNexis.

Verification of Authorization : Documentation proving that I authorized the release of my bankruptcy records to LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
For months, I'd been in dispute with Synchrony Bank/JCPenney ( SB/JCP ). They stated that I owed them {$13.00}. I claimed that I had overpaid {$9.00}. For decades, my payments to SB/JCP were for premiums to XXXX XXXX XXXX , for two insurance policies. This incident dropped my FICO Score by XXXX points. 

After countless telephone calls, to both SB/JCP and XXXX XXXX , I sent a detailed letter to SB/JCP. They admitted their mistake. I received a check, for my overpayment, and my XXXX  Score was restored to XXXX. 

-HOWEVER- Because of my countless 'phone calls, a second dispute had been opened, A Customer Service Representative XXXX XXXX, told XXXX that my payment of {$32.00} was never received. SB/JCP sent me an undated letter, asking for further documentation. SB/JCP wants : 1. An unredacted bank statement. 
2. A clear legible copy of the store register receipt, displaying the payment. 

The resolved, initial dispute had my Checking Bank Statement, showing that SB/JCP had deposited the {$32.00} ; and I sent the screenshot, emailed to me by SB/JCP, stating that my {$32.00} was processed, on XXXX. 
1. My redacted Checking Statement was accepted for the initial, resolved dispute. 
2. I didn't purchase anything at a store. As I stated in the first paragraph, monthly payments were for two insurance premiums. 

-HOWEVER- On the Checking Bank Statement, I had redacted my Balances ; and the Descriptions of other payments. I don't feel that SB/JCP needs to know that I charged groceries, utilities, medications ... and what my checking balance is. It's irrelevant to the dispute. The payment and amount paid to SB/JCP is unredacted. This unredacted item was accepted on the initial dispute. 
When I asked both a Customer Service Rep and a Supervisor why they need the whole bank statement unredacted, I was told, " unredacted statements are the bank 's policy. '' Because SB/JCP knows the {$32.00} was paid, I feel that THIS SECOND DISPUTE IS BOTH UNNECESSARY AND THREATENING. I'm afraid that my XXXX  Score and my Credit Rating are again going to be affected.

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint to bring to your attention that TransUnion has unlawfully re-inserted several fraudulent accounts on my credit report, which had previously been deleted. ( See attached ) These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).

TransUnion is in violation of FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) regarding the re-insertion of previously deleted material : 15 U.S.C. 1681i ( 5 ) ( B ) ( ii ) mandates that I should have been notified in writing within five business days of the reinsertion. I received no such notice.

15 U.S.C. 1681i ( 5 ) ( B ) ( iii ) requires that TransUnion provide the business name and address of the furnisher of information and their contact details, which were not provided to me.

15 U.S.C. 1681i ( 5 ) ( B ) ( i ) prohibits the reinsertion of deleted information unless the furnisher certifies the accuracy of the information. There is no indication that this requirement was fulfilled.

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 2024-08-10 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: GA

Complaint narrative:
I am writing to dispute the accuracy of certain negative information on my credit report. Specifically, two accounts that were included in my bankruptcy are showing incorrect dates and are inaccurately reported as adverse. Under 15 U.S. Code 1681e, credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of the information they report.

Details of the Disputed Accounts : Account Name : XXXX Account Number : XXXX Date of Bankruptcy Inclusion : DIMISSED Account Name : XXXX Account Number : XXXX Date of Bankruptcy Inclusion : DISMIISED Description of Dispute : The accounts listed above were included in my bankruptcy, and according to the FCRA guidelines, they should not be reporting as adverse. Furthermore, the dates reported are inaccurate and do not reflect the correct information. This discrepancy violates the requirement for accuracy under 15 U.S.C. 1681e.

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 2024-08-10 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: NY

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 Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX - Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion 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 XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-10 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: NY

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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX - Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
After reviewing my consumer report, I found entries that do not reflect my own activities and have caused me significant distress. I am seeking your assistance to resolve these issues promptly and accurately. 
I have previously filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter, and I have enclosed a copy of that complaint along with proof of my identity and address.

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