vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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:
Trans Union, XXXX, XXXX had fail to verify accurate information on my credit report I was told today by a supervisor shayeer Decy that trans union dont investigate accurate information the Information given to them by the person is actually their truth without thoroughly investigating as a vital role in assembling and evaluating. which is a violation to my right to privacy. I never consent for anything to be reported to my credit profile not to the credit agency or the creditor. You must respect my right to privacy. When does company policy ever trump federal law. Because no consent equal to identity theft. 


Under 15 USC 1682a, you are required to conduct a reasonable investigation within 30 days of receiving a dispute from a consumer. I expect a prompt response and resolution to this matter in accordance with the law.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2024-05-14 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:
XXXX XXXX, XXXX, Equifax had fail to verify accurate information on my credit report I was told today by a supervisor XXXX XXXX  that XXXX XXXX dont investigate accurate information the Information given to them by the person is actually their truth without thoroughly investigating as a vital role in assembling and evaluating. which is a violation to my right to privacy. I never consent for anything to be reported to my credit profile not to the credit agency or the creditor. You must respect my right to privacy. When does company policy ever trump federal law. Because no consent equal to identity theft. 


Under 15 USC 1682a, you are required to conduct a reasonable investigation within 30 days of receiving a dispute from a consumer. I expect a prompt response and resolution to this matter in accordance with the law.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
My information was purchased or obtained on the dark web and used to open credit card accounts and cellular accounts. My information was also used to try obtain automobile loans and personal loans, Ive been fighting with companies non stop and had little to no luck. 

I will not continue to be a victim of identity theft and need this matter resolved immediately. 

I am protected by law 15 USC 1692g and hope and pray that these companies do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: AR

Complaint narrative:
This is multiple dates, but from XXXX XXXX, everyday just about, I purchased at a total of {$280.00} from XXXX different transactions on products and shipment from a company called XXXX. But due to the company under investigation, they havent been at work since XX/XX/2024. I have requested refunds multiple times from the company, but they refused to give it to me, responding, you will have to wait until we go back to work, which I feel wont happen anytime soon. Its been XXXX months since this issue happened. So, I went to cash app to dispute all my charges. I went into so much detail, even went into full detail that wasnt even that necessary, and still get denied. I ask for documentation, and the documents doesnt tell me why its denied. Theres even a document that they sent that was unrelated to the company, or my account. They sent documents about a cosmetic company I never bought from, and it wasnt even my card number. Then, I went to the XXXX they did not do anything either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
XXXX Capital One refuses repayment plan to stop incurring past due fees// XX/XX/year> - {$100.00} payment ( {$130.00} due ) // XXXX {$280.00} account balance // XXXX {$40.00} past due fee // XXXX {$10.00} interest charges // XXXX {$40.00} past due fee ( {$53.00} due ) // XXXX {$370.00} account balance // XXXX Capital One refuses to remove or reduce late fees, or setup a payment plan, and claims the new CPB rule ( Regulation Z ) does not apply to this account ( normal major credit card - " XXXX XXXX XXXX' ) // Is the new rule applicable to my Capital One credit card accounts? I understand it should be. 
Also, is this rule retroactive, or to work on fees imposed after the bill was passed and before it was active XX/XX/year> ( today )? // Capital One stated my accounts would not qualify for the XXXX $ or 25 % maximum fees. Is this a lie? Which credit card issuers can I trust to not charge me 75 % of the monthly amount due or nearly 30 % of my total account balance in a single month in late fees? //

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: AL

Complaint narrative:
Dear Credit Reporting Agency, The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.

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 2024-05-14 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: TX

Complaint narrative:
I'm feeling troubled, unhappy, and XXXX regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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:
I'm feeling troubled, unhappy, and XXXX regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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:
After examining my credit report, I observed inaccuracies in the listed accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX {$10.00} per month since new issuer took over from XXXX XXXX  to Continental Finance After the XXXX {$10.00} charge, which I attempted to pay was declined by CONTINENTAL, I called to request an explanation which they could not satisfactorily provide. I attempted to pay the {$10.00} again, but they did not accept it. I called again to complain, and told them that I never agreed to any new servicer that would be assessing monthly maintenance fees on silent, unused accounts. I asked for my card and account to be closed. Since then, despite not making any purchases on the card AT ALL, I have been charged fees amounting to {$60.00}. I'm on the phone with them AGAIN asking for the appropriate action. The fees have adversely affected my credit report. I don't know what else to do!!!

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
I leased a XXXX XXXX through XXXX XXXX, XXXX XXXX, AR, financed through Santander Consumer USA. Within the first three days I noticed the vehicle was driving bad. After inspection it was found that the transmission was slipping. After a tedious time of trying to return the vehicle, I was allowed to. The day that XXXX XXXX paid off my loan, Santander had the vehicle repossessed. I have not been able to retrieve my items. I tried and tried and have filed multiple complaints. I also, contacted Santander multiple times regarding this vehicle and was advised to not return the vehicle because XXXX XXXX could resale it. My items and money that was in the vehicle were never returned to me. This too has been a tedious time. When the vehicle was repossessed Santander should have sent me a letter, that allows me to pay off all debt to get the vehicle back but they took the vehicle directly to Texas from Arkansas. My next step is getting an attorney. My dads ashes were in the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: Hanwha QCells USA Corp
State: TX

Complaint narrative:
Enfin Financial is the financing behind our solar panel system that was installed in XXXX XXXX XXXX. The system has never worked since installation and the contract included a generator plug being installed in my fuse box, a new generator and a {$500.00} incentive. Enfin Financial forced this financing through without doing their due diligence in ensuring that the products they're financing have been installed properly and fully functional. I have notified Enfin Financaial as far back as XXXX once we identified that the system does not work. Prior to adding an additional XXXX panels I had a fully functional XXXX panel system that was installed 3 years ago that worked perfectly. Once XXXX XXXX installed the additional XXXX panels the system has not been generating energy because it's wired wrong. I've received the same canned response from EnFin since enception. They're investigating with no updates. In the mean time they've hit my credit with late pays. I'm not paying for a loan when I don't have all the products that the loan was to pay for nor do I have an operational solar panel system. Apparently this was a scam by XXXX XXXX who went out of business in XXXX, XXXX XXXX who wasn't permitted to install the panels in the first place and Enfin Financial who was financial arm of the scam. There's over XXXX homes in the XXXX, TX metroplex that have had the exact same thing happen to them. The truth in lending aspect of this transaction is unethical. I've had to hire an attorney to get this mess straightened out / class action law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I saw that there are incorrect information on my credit report

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 2024-05-14 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 
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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 

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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

XXXX XXXX Inquiry Date : XX/XX/2023 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 of 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 2024-05-14 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of 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 2024-05-14 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: MD

Complaint narrative:
Looking through my credit report I came across quite a few hard inquiries that are not mine.

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