vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a formal complaint against XXXX for their improper handling of disputed accounts and XXXX and Equifax for failing to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). Additionally, I am seeking compensation for the harm caused by their negligence in handling my identity theft dispute. 

Details of the Complaint Accounts in Question : Disputed accounts with XXXX filed through XXXX and Equifax. 
Nature of Dispute : The accounts were filed as fraudulent with valid supporting documentation, including : A police report. 

An identity theft affidavit submitted to the FTC. 

XXXX XXXX by XXXX : XXXX responded directly to me via email rather than through XXXX and Equifax, as required by FCRA. 

They closed my dispute and claimed the accounts were verified as accurate without providing any verifiable proof, such as my wet signature or documentation directly linking me to the accounts. 

Negligence by XXXX and Equifax : Despite receiving my identity theft documentation, XXXX and Equifax failed to conduct a reasonable reinvestigation of my disputes. 

Both agencies allowed XXXX unverifiable response to stand and did not remove the fraudulent accounts from my credit reports. 

FCRA Violations Fingerhut/WebBank, XXXX, and Equifax have violated the following provisions of the FCRA : 15 U.S.C. 1681i ( a ) : Failing to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681s-2 ( b ) : Failing to properly investigate and report the results of an investigation by the furnisher. 

15 U.S.C. 1681c-2 : Failing to block fraudulent information in cases of documented identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: IN

Complaint narrative:
I have been tremedously impacted. According to 15USC 1681b Credit reporting agencies are only allowed to furnish consumer credit reports to those who have permissible purpose as defined by the FCRA. I have NEVER gave my written concent to share my information with a third-party ( TRANSUNION, XXXX, XXXX ) My privacy of educational records are protected under XXXX. I DEMAND my rights are not violated. I demand to see verifiable proof ( an original consumer contract with my wet signature on it between these 3rd parties ) you have on file of the accounts listed below. I demand the accounts to be removed immediately **XXXX {$1900.00} XX/XX/XXXX XXXX XXXX {$8200.00} OXXXX XXXX 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 2025-01-13 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: IN

Complaint narrative:
I have been tremedously impacted. According to 15USC 1681b Credit reporting agencies are only allowed to furnish consumer credit reports to those who have permissible purpose as defined by the FCRA. I have NEVER gave my written concent to share my information with a third-party ( XXXX, EQUIFAX, XXXX ) My privacy of educational records are protected under XXXX. I DEMAND my rights are not violated. I demand to see verifiable proof ( an original consumer contract with my wet signature on it between these 3rd parties ) you have on file of the accounts listed below. I demand the accounts to be removed immediately **XXXX {$1900.00} XX/XX/XXXX XXXX XXXX {$8200.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Recently checking my credit report I noticed that I've been a victim of Identity theft and found numerous credit inquiries. I have no knowledge of. here are the inquiries that I've found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please Remove these fraudulent inquiries from my report. I also attached my identity theft report as well

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have found out recently that maybe due to previous relationships and losing wallets that my personal information has either been used to run my information numerous times and I have found that I have inquiries and accounts that I have no previous knowledge of and 15 U.S. Code 1681e is part of the Fair Credit Reporting Act ( FCRA ) and outlines the responsibilities of consumer reporting agencies in maintaining the accuracy, privacy, and proper use of consumer credit information. The section is divided into several subsections : Key Subsections : 1. 1681e ( a ) - Compliance Procedures : Consumer reporting agencies must maintain reasonable procedures to ensure that consumer reports are supplied only to authorized users and that the reports are accurate.

2. 1681e ( b ) - Accuracy of Report : Agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

3. 1681e ( c ) - Disclosure of Consumer Reports by Users : Users of consumer reports who take adverse actions based on the reports must notify the consumer and provide the name and address of the consumer reporting agency.

4. 1681e ( d ) - Notice to Users and Furnishers of Information : Agencies must inform users and furnishers of the information of their responsibilities under the FCRA.

5. 1681e ( e ) - Procurement of Consumer Report for Resale : When a consumer report is obtained for resale, the agency must ensure that the information is passed on correctly and that all necessary disclosures are made. 

This section plays a critical role in protecting consumer rights by ensuring that the information used in credit decisions is accurate and that only authorized entities access consumer reports. Accounts that I am challenging are XXXX XXXX XXXX XXXX and several inquiries a total of XXXX to be exact not tied to any specific account that I have or made personally

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 2025-01-13 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: IL

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 2025-01-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Within the last 8 months credit score has been decreasing and my payments from each credit card has been paid on time and or twice.

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 2025-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Reference # XXXX I got an email to XXXX - that my personal loan application was denied but I never applied for the same. 

I called up citi customer service at XXXX and he said they routinely run applications which in the same way as XXXX Scam. 

He did not even apologize. I need this fixed ASAP so XXXX does not play around with my credit score and share sensitive info.

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 2025-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: RoundPoint Mortgage Servicing LLC
State: CT

Complaint narrative:
The delinquency in XX/XX/XXXX mortgage payment as reported by RoundPoint on my credit report is unfair and false. An amount of {$2800.00} dollars was paid but was held at a suspense account by RoundPoint, as it deemed the payment was short by {$300.00} dollars and chose not to apply to the mortgage, of which the monthly principal and interest portion is only {$1700.00} dollars. 

This {$300.00} dollar shortage was due in part to RoundPoint who conducted a second XXXX XXXX in XXXX ( and 3rd time in 13 months! ) on XX/XX/XXXX but did not mail out the result to me. The monthly payment increased effective XX/XX/XXXX from the previous amount of {$2800.00} dollars, which I had always scheduled autopay thru my bank and was always on time. I do not agree with the practice of RoundPoint putting the {$2800.00} I paid in XX/XX/XXXX in the suspense account and called me delinquent ; there was no homeowner insurance or property tax due during this period of time, and there is money in the escrow account. The principal and interest total of {$1700.00} should have been applied accordingly to the mortage, and RoundPoint should have simply notified me of the shortage in the escrow portion of the payment and I would have been more than happy to make up the difference the following month. 

This is NOT the company I originally chose to do business with but instead the XXXX or XXXX company my mortgage was sold to. When RoundPoint bought my mortgage in XXXX, it tried to wreak havoc by not notifying my homeowner insurance carrier in a relentless attempt to sell me their insurance! Please seriously look into their overall business practice, as there are definitely more displeased homeowner consumers out there than me that are serviced by RoundPoint!

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there appears to be an issue with their accuracy on my credit report. These accounts were removed previously but have been added back without my awareness. I was not notified of their return, nor have I received any communication regarding this by mail.

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 2025-01-13 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: VA

Complaint narrative:
according to the FCRA 15 U.S code 1681 2xi, 15 U.S. code 1666b and U.S. code 6802. a creditor can not place a late payment with out notifying me. i did not receive any notice. if XXXX the creditor can not prove on i authorized these late payments to be added to my credit report please remove from credit report. also there is inaccurate reporting of the late payments. i have attached the inaccurate information.

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 2025-01-13 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: VA

Complaint narrative:
according to the FCRA 15 U.S code 1681 2xi, 15 U.S. code 1666b and U.S. code 6802. a creditor can not place a late payment with out notifying me. i did not receive any notice. if XXXX the creditor can not prove on i authorized these late payments to be added to my credit report please remove from credit report. also there is inaccurate reporting of the late payments. i have attached the inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: VA

Complaint narrative:
according to the FCRA 15 U.S code 1681 2xi, 15 U.S. code 1666b and U.S. code 6802. a creditor can not place a late payment with out notifying me. i did not receive any notice. if XXXX the creditor can not prove on i authorized these late payments to be added to my credit report please remove from credit report. also there is inaccurate reporting of the late payments. i have attached the inaccurate information.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 it also state reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat payment on a credit account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone XXXX XXXX XXXX Department Store Card for JCP ending in XXXX Privacy Concern and Lack of Resolution with JCP Account managed by Synchrony Bank. 

Dear Consumer Financial Protection Bureau, I am writing to formally raise a concern regarding my account with JCP/Synchrony Bank managed by Synchrony Bank . Recently, I have noticed a serious issue where my account manager is displaying another customers information a Synchrony Home account for a XXXX XXXX XXXX in TN. This situation raises significant privacy concerns for both my account and the other consumer. I have attached a screen grab of my account manager home page and details of XXXX XXXX 's account her last statement. However, I can see all her other information available through account manager. I have also attached XXXX XXXX 's last month statement to show the links are available to me on the page and are not locked down. 

Despite reporting the matter to JCP/Synchrony Bank at least 5 times over 4-5 months and seeking resolution, the issue remains unresolved. Based on the information provided by JCP/Synchrony Bank , it appears that this may be linked to a privacy breach associated with a recent system upgrade. However, they have been unable to rectify the problem, leaving me deeply concerned about the safety and integrity of my personal information. 

I believe this matter requires immediate attention, as it compromises both the privacy rights and financial security of JCP/Synchrony Bank customers . I would greatly appreciate your assistance in addressing this issue and ensuring that appropriate actions are taken to safeguard consumer data and resolve this matter promptly. 

Thank you for your time and attention. Please let me know if you require additional information or documentation regarding this concern.

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 2025-01-13 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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