vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy. '' Transunion, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) the financial institutions and the consumer reporting agencies Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion, XXXX, whether it be verbal, non verbal, written, implied or other wise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) never informed me of my right to exercise my non-disclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states 'Except as authorized under subsection ( b ), 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 the convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports under section 1681 b of this title. '' Transunion, XXXX and XXXX are not maintaining reasonable procedures.

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 2024-08-11 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy. '' XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) the financial institutions and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, whether it be verbal, non verbal, written, implied or other wise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Credit One Bank, First Access Bank, and Capital One Bank ) never informed me of my right to exercise my non-disclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states 'Except as authorized under subsection ( b ), 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 the convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports under section 1681 b of this title. '' XXXX, Equifax and XXXX are not maintaining reasonable procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Complaint Regarding Failure of Credit Bureau to Reinvestigate and Remove Inaccurate Late Payment Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, XXXX, XXXX for their failure to properly reinvestigate and remove an inaccurate late payment from my credit report, as required under federal law. 
I noticed a late payment entry on my credit report for my account with XXXX, which I believe is incorrect. I immediately disputed this entry with Experian, XXXX, XXXX and provided all necessary documentation to support my claim, including payment records and correspondence with XXXX Under 15 USC 1666 ( b ), I am entitled to a prompt investigation of disputed billing errors, and under 15 USC 1681 ( a ) ( 2 ) ( A ), the credit bureau is obligated to ensure the accuracy of the information reported. Despite these clear legal requirements, Experian, XXXX, XXXX has failed to adequately reinvestigate my dispute and has left the incorrect late payment on my credit report. 

This error is causing me significant distress and negatively affecting my creditworthiness. I request that the CFPB take immediate action to ensure that Experian, XXXX, XXXX complies with the legal obligations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ), and that the incorrect late payment is promptly removed from my credit report. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/year> my debit card number was stolen by a XXXX employee who spent {$130.00} on a phone item through XXXX XXXX. When I noticed the charge I locked the card and went to Regions Bank and received a new card. Regions only allows a charge dispute through their message robot online. What a joke. 

Regions mailed a letter upon their investigation and found no fraud was caused. All they had to do was call XXXX which they didnt because they are lazy. Regions never returned the fraudulent charge. Banks never protect your money as they state. XXXX XXXX has consistently told me they cant refund the money from their end and I have to do it through my bank. 

They need a pin to access the account of the fraudster. They said once the bank disputes the charge they will return the funds and turn the persons phone off. Ive even filed a police report. Upon my personal investigation I found the person who stole my card information. I never use my debit card at restaurants or for fast food for this purpose and then I did by accident and she took a picture of the front and back of the card with her phone. She was caught on surveillance doing this. 

I have screen shots below of the bank letter from Regions and a XXXX XXXX chat listing the woman who stole the card numbers name. She has been fired and hopefully go to jail for identity theft. Regions asks me to fax them information. What a stall tactic by them. Nobody in America uses a fax machine anymore. I just want my tiny little money back and the thieves locked away.

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 2024-08-11 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

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 2024-08-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I had a secure account/ certificate of deposit and account was current as of XX/XX/year> yet Vystar took my moneyXXXX and closed my account.When I inquired about this they would not provide me a response I received {$290.00} after each payment was made I was counting on this money to supplement my income.i noticed there were several unauthorized transaction on my accounts when I enquired about that I was told to contact their legal department which would not talk to me.

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 2024-08-11 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: TX

Complaint narrative:
On XX/XX/year>, I discovered I was a victim of identity theft after noticing unauthorized accounts and transactions on my credit report. I promptly filed a police report and an FTC Identity Theft Report. I sent certified mail to XXXX, Experian, and XXXX, including my ID, police report, FTC report, proof of address, and a dispute letter outlining the fraudulent activity. Despite these actions, I havent received any response from the credit bureaus, and the inaccurate information remains on my credit file. This situation has caused me significant distress as it affects my financial well-being, and I urgently need the fraudulent entries removed and my credit report corrected.

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 2024-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
I have lost hours at work and could no longer pay off my loans in the amount totaling {$1200.00}. I requested either a further forbearance or help in consolidating these loans. I used up all of my forbearances, and asked an Affirm agent for help. They said they could no longer help me and refused to help me set up any kind of consolidated payment plan so I can make small monthly payments on what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Please remove and delete all inaccurate late payments off my credit file from XXXX, XXXX, and TransUnion immediately. 

XXXX XXXX XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please delete all this accounts, inquiries and incorrect information now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Case Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Case Number : XXXX XXXX XXXXXXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Please delete all this accounts, inquiries and incorrect information now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Case Number : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : 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 explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ok I just found out I'm part of the Equifax Breach that happened and just was settled. I've disputed several items over the last couple years and seen a couple strange items that I addressed and some were removed. My issue is now my score is lower than it should be because of so many hard and soft inquiries that wasn't me. And Negative accounts that aren't me. I've put in disputes with all 3 agencies but it is alot. I don't have any debt except for my car loan that it's. I just need to have items removed from my credit reports that I'm not responsible doing. It's affecting my interest rates and me even opening a credit card account. I never got anything from Equifax in the mail, by email or by phone alerting me about the breach years ago Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FC HoldCo LLC
State: MD

Complaint narrative:
The company would not provide me with a invoice as requested and there was 2 different balances from the online website to wait they where telling me I had ro pay. XXXX XXXX XXXX XXXX in XXXX MD XXXX XXXX. I was on orders with the military 2 different times and I only asked for one year of 6 percent interest and they said I didn't qualify. I proved that it was but they said I still didn't. I spoke to manager but no one from the XXXX department. This has happened to me 2 but now it's affecting my credit and I have a clearance I need this to be looked into ASAP so it won't keep happening to XXXX that have challenged credit and want get a car and these companies take advantage of us. We give up our time and lives only to be taken advantage of by thw same people that we are trying to protect but who and when are we going to get protected

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 2024-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
On XX/XX/year>, I submitted a dispute with the three major credit agencies, clearly stating that I have never had any contract with LVNV FUNDING For any debt. I am requesting that you provide proof from the original creditor confirming that LVNV FUNDING owns this debt and has the legal authority to collect it. If you can not provide this proof, the account must be deleted. To date, I have not received any verification of the debt. There is no proof this card was mine i signed for it any of my accounts made a payment to this card company, or i purchased anything with this card the only credit card i have owned is my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TomoCredit Inc.
State: OH

Complaint narrative:
I recently accessed my bank account and noticed a withdraw that I did not authorize. I've contacted the company, and they took the money as a payment to an account I have cancelled. Even though I removed my payment information from this company 's website, somehow the company stored my payment information and is accessing my account without permission which is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM WXPERIAN

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 2024-08-11 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: PA

Complaint narrative:
Subject : **Complaint Regarding FCRA Violations Unauthorized Reporting of Negative Items** Dear CFPB, I am writing to file a formal complaint regarding ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ) by TRANSUNION, XXXX, XXXX For over [ 4/5 ] years, I have been disputing the following negative items inaccurately reported on my consumer report : Account Name/Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Also I have some inquiries that were added to my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These negative items were reported without proper verification or notice, which constitutes a clear violation of my rights under the FCRA. Specifically : 1. **Failure to Provide Notice** : The creditor failed to provide me with the required notice of adverse action as mandated by Section 615 ( a ) of the FCRA before reporting negative information to the credit bureaus.

2. **Lack of Proper Investigation** : Despite my repeated disputes over the past several years, the credit reporting agency has not conducted a proper investigation or corrected the inaccurate information, violating Section 611 ( a ) of the FCRA.

3. **Privacy Violation** : My privacy rights were violated as my personal information was shared without my explicit consent, contrary to Section 604 of the FCRA.

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