vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 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: NY

Complaint narrative:
As a vigilant guardian of my own privacy, I invoke the power vested in me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to address the violations concerning my personal information. The FCRA, under 15 U.S.C. 1681 section 602 ( a ), mandates consumer reporting agencies to handle their significant responsibilities with fairness, impartiality, and respect for my right to privacy. XXXX and XXXX, as consumer reporting agencies, must heed this directive. I assert my right to ensure that my private information remains confidential, a right that is fortified by 15 U.S.C. 6801, which clearly states that financial institutions have an ongoing obligation to honor the privacy of their customers. The entity that furnishes information to credit agencies falls under this definition and thus, is bound by these laws. Furthermore, 15 U.S.C. 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a report only with my written consent, which neither XXXX, XXXX, transunion nor the furnisher of information has obtained from me. I hereby revoke any form of consent previously granted, whether verbal, non-verbal, written, implied, or otherwise. The law is clear in 15 U.S.C. 6802 ( b ) that a financial institution can not disclose my nonpublic personal information to a nonaffiliated third party without informing me of my right to nondisclosure, a right that was never presented to me. Moreover, 15 U.S.C. 1681C ( a ) ( 5 ) prohibits the reporting of any adverse information older than seven years, which includes the account in question. This is a violation of my legal rights, as there is no permission granted on my part for such reporting. The accuracy of information is paramount, as stated in 15 U.S.C. 1681s2 ( A ) ( 1 ) ( A ), which forbids the furnishing of information to consumer reporting agencies if it is known or suspected to be inaccurate. XXXX and XXXX failure to maintain reasonable procedures, as required by 15 U.S.C. 1681e, to prevent such violations further compounds the issue. Lastly, in accordance with 12 CFR 1016.7, I exercise my right to opt out of your reporting services at this time. My privacy is not a commodity for trade, and I demand the respect and confidentiality that is rightfully mine. Please be advised that this notice of my rights has been issued to you multiple times and has been met with disregard. This persistent neglect is not only disrespectful but also a clear breach of the legal obligations outlined above. I insist on immediate compliance with these regulations, and any further inaction will be met with the necessary legal recourse to protect my rights.

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 2024-03-13 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: NY

Complaint narrative:
As a vigilant guardian of my own privacy, I invoke the power vested in me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to address the violations concerning my personal information. The FCRA, under 15 U.S.C. 1681 section 602 ( a ), mandates consumer reporting agencies to handle their significant responsibilities with fairness, impartiality, and respect for my right to privacy. Equifax and XXXX, as consumer reporting agencies, must heed this directive. I assert my right to ensure that my private information remains confidential, a right that is fortified by 15 U.S.C. 6801, which clearly states that financial institutions have an ongoing obligation to honor the privacy of their customers. The entity that furnishes information to credit agencies falls under this definition and thus, is bound by these laws. Furthermore, 15 U.S.C. 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a report only with my written consent, which neither Equifax, XXXX, XXXX nor the furnisher of information has obtained from me. I hereby revoke any form of consent previously granted, whether verbal, non-verbal, written, implied, or otherwise. The law is clear in 15 U.S.C. 6802 ( b ) that a financial institution can not disclose my nonpublic personal information to a nonaffiliated third party without informing me of my right to nondisclosure, a right that was never presented to me. Moreover, 15 U.S.C. 1681C ( a ) ( 5 ) prohibits the reporting of any adverse information older than seven years, which includes the account in question. This is a violation of my legal rights, as there is no permission granted on my part for such reporting. The accuracy of information is paramount, as stated in 15 U.S.C. 1681s2 ( A ) ( 1 ) ( A ), which forbids the furnishing of information to consumer reporting agencies if it is known or suspected to be inaccurate. Equifax and XXXX failure to maintain reasonable procedures, as required by 15 U.S.C. 1681e, to prevent such violations further compounds the issue. Lastly, in accordance with 12 CFR 1016.7, I exercise my right to opt out of your reporting services at this time. My privacy is not a commodity for trade, and I demand the respect and confidentiality that is rightfully mine. Please be advised that this notice of my rights has been issued to you multiple times and has been met with disregard. This persistent neglect is not only disrespectful but also a clear breach of the legal obligations outlined above. I insist on immediate compliance with these regulations, and any further inaction will be met with the necessary legal recourse to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: OK

Complaint narrative:
I am XXXX XXXX, and XXXXm submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-03-13 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: IL

Complaint narrative:
've consistently maintained on-time payments for this account, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-13 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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-03-13 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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This issue is with CareCredit Synchrony XXXX Card ending in XXXX. Back in XX/XX/XXXX I had a procedure done with XXXX XXXX. the charge was for {$570.00}. I paid with CareCredit. I had a terrible experience where my mouth started bleeding and had to return to XXXX XXXX a few times for extra treatment. I had to miss work and then had to go to a XXXX because my XXXX were inflammed and werent getting better. At the time The XXXX apologized and said she would refund my card and that the treatments would be at no cost. In XXXX when I get my new statement I still have no refund so I contact the dental office and was told the doctor had gone a Maternity leave and the XXXX knew nothing about the refund. I was told I had to wait no one else could help me until she came back XXXX  months later! At this time I reached out to Care Credit and put in a dispute. CareCredit did nothing and just kept charging me every month. So Every month I would call and they would put another dispute. Once again they did nothing. So I did this every month and nothing just more charges. Then they close my account. This has been over 1 year and nothing has been done. They have done nothing to help me dispute. I have a few credit cards with Synchrony and have neve r had a problem except with CareCredit. This issue has been ongoing for over a year and every month I reach out and nothing has been. No one knows what I am talking about and have to explain the issue over and over again every month, I don't know what to do at this time. Now they have reported this on my credit. I have excellent credit and always pay on time but this credit card has been an ongoing issue and I have run out of solutions. I get charges new late charges every month now. My bill now is {$610.00} with all the late charges.

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 2024-03-13 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: IL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Mortgage was transferred to a new company in XX/XX/XXXX and included all escrow accounts and monies held. In late XXXX I received a past due notice from my insurance company that my payment due XX/XX/XXXX was past due. I reached out to the mortgage company and was told that I did not have escrow setup on my account in spite of the fact that they include escrow in my monthly payment and are holding escrow funds. Multiple attempts to resolve this have been unsuccessful. Today I called and was once again told that the insurance payment is my responsibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NH

Complaint narrative:
In XXXX, I attended XXXX XXXX XXXX XXXX XXXX XXXX ) for three semesters. All educational expenses incurred during this period were fully paid, and there had been no outstanding debt related to my time at XXXX for decades. 

Unexpectedly, in [ exact month of the letter, if available ], I received a letter from ECSI Corporation stating that I owed a debt amounting to {$3100.00}. This claim was surprising and unfounded based on my records and understanding of my financial obligations to XXXX. To further investigate, I checked my credit report, which alarmingly listed a debt associated with ECSI for {$6000.00}. 

Seeking clarity, I promptly contacted ECSI to inquire about this discrepancy. During this conversation, a representative informed me that the debt was sent to them by XXXX. This information was perplexing as my educational expenses from XXXX were settled in full, to the best of my knowledge and according to my records. 

To date, I have not received a satisfactory explanation or documentation justifying this sudden claim of indebtedness. The appearance of this debt on my credit report and the demand for payment from ECSI are concerning and appear to be in error. I request a thorough investigation into this matter, including a review of the original documentation from XXXX that allegedly substantiates this debt, and a detailed account statement from ECSI. 

I am committed to resolving this issue promptly but require clarity and evidence of the claimed debt 's legitimacy. Your assistance in investigating and addressing this unexpected and questionable debt claim would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
My payment for this Cerulean MasterCard is due on the XXXX of every month. After the XXXX all my payments are late and subjected to penalties ... which I understand. 

Cerulean/Continential Finance received my payments before XX/XX/2024. On XX/XX/2024 I made a {$25.00} payment for the upcoming XXXX payment. On XX/XX/2024 I made a {$25.00} payment towards the XX/XX/2024 payment. On XXXX the XXXX, I made a {$58.00} payment for XX/XX/2024 totalling {$100.00}. 

On XX/XX/XXXX, Cerulean/Continential Finance billed me {$41.00} saying that I was late paying when I had all of my payment in before the XXXX of XX/XX/2024. They also charged me an addition {$36.00} for interest on a purchase. Last month it was {$35.00} for the interest on the same purchase. 

I called they told me they had no payment for the {$25.00} and therefore I was late because my bill was not paid on time. I told them this was not true and I am looking at all my payments for XX/XX/2024. The agent wanted to argue with me. This is the 2nd month in a row that they have been cheating me, and I have had enough of it. 

The credit card has a XXXX balance. After paying XXXX installment of {$100.00} from the {$1500.00} balance. I received a statement stating that I owed {$1400.00} total balance. I never was credited to have the amount paid taken off my balance, and have decided not to pay anymore on this card until I am placed in right standing without extortionary, predatory practices being inflicted upon me as a cardholder. 

They have suspended all purchases, and take my money but do not credit my account accurately or fairly. On top of my installment I am charged {$35.00} to {$36.00} per month plus late fees in which I am not late. 

I want my purchases to reflect my payments, and to be made whole.

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 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-03-13 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: IL

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

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 2024-03-13 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: IL

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief