vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 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:
Experian has not updated my XXXX XXXX and XXXX XXXX information with XXXX since XX/XX/year>. By Experian own admission, my creditors have reported to them for XXXX as well as XXXX, and they have posted The Updated info on their website. We are now at the end of XXXX, and they haven't updated my info. I find it odd that Experian had no problem reporting on time when my balance increased. However, now that my balance is down to XXXX, I Must file disputes and fight with them to do the easy task of updating the information given to them. Lenders use XXXX to determine what interest rate and loan amount will be given to a consumer. By Experian and other credit bureaus withholding correct information this is causing financial harm! I request that Experian Update My information with XXXX and add any points I should have received to my credit score for XXXX, XXXX, and 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 2024-06-23 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: FL

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. In addition I DID NOT receive the required opt-out notice at the time I created the accounts that Im reporting which is a violation of 15 USC 6802 of the Fair Credit Reporting act. 

XXXX XXXX : ACCT # XXXXXXXX XXXX : ACCT # XXXX XXXX : ACCT # XXXXXXXX XXXX : ACCT # XXXX XXXX : ACCT # XXXX XXXX FCU : ACCT # XXXX TXXXX  : ACCT # XXXXXXXX XXXX : ACCT # XXXX XXXX XXXX : ACCT # XXXX XXXXXXXX XXXX XXXXXXXX : ACCT # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

15 U.S.C 6802 ( a ) Notice Requirements states. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third-party any, non-public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

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 2024-06-23 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: FL

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. In addition I DID NOT receive the required opt-out notice at the time I created the accounts that Im reporting which is a violation of 15 USC 6802 of the Fair Credit Reporting act. 

XXXX XXXX : ACCT # XXXXXXXX XXXX : ACCT # XXXX XXXX : ACCT # XXXXXXXX XXXX : ACCT # XXXX XXXX : ACCT # XXXX XXXX XXXX  : ACCT # XXXX XXXX : ACCT # XXXXXXXX XXXX : ACCT # XXXX XXXX XXXX : ACCT # XXXXXXXX XXXX XXXX XXXXXXXX : ACCT # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

15 U.S.C 6802 ( a ) Notice Requirements states. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third-party any, non-public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I pulled my credit report making sure everything was accurate on my credit report and I noticed there were some addresses and date of births that does not and has never belonged to myself. I submitted complaints to XXXX, XXXX, and Experian expressing that they are reporting INACCURATE information onto my credit report, and I have gotten no response..

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
I filed a complaint on XX/XX/XXXX with XXXX and XXXX due to a negative mark on my credit report. I've filed several complaints. from XXXX of XXXX all with no response. last Dispute was XX/XX/XXXX last phone call to the credit bureau was XX/XX/XXXX. in ref to Jefferson Capital System {$910.00} both amount and time frame are incorrect its past the 7 yr mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently a reviewed in my credit report I noticed on my account that was not reporting actually I had late payments one an account that I was in fact paid on time the consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payment I leave attached a copy of my report to this complaint on the following dates I'm now requiring investigation to providing viability proof with records showing that I had late payments if this information can not be verified I demand this payment be updated to paid on time immediately thank you for your understanding and promote action

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 2024-06-23 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: FL

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 under 15 USC 1681. 1XXXX # XXXX, has violated my rights. I looked at my credit report on XX/XX/24 and noticed some things are incomplete and not accurate. According to the fair act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes 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 2024-06-23 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: WA

Complaint narrative:
I am now requesting proof of previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late. If you can not provide me with this information in 15 days update the account to PAID/NEVER late and send me a copy of my updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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: CA

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 non-monetary relief
Consumer complaint received 2024-06-23 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: CA

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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: FL

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 under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes 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 2024-06-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I nformed PNC bank that my late uncle designated me as a beneficiary for a certificate of deposit account with XXXX XXXX XXXX. The CD Account Agreement is dated XX/XX/year> and has my name on it along with my full name and social security number and has me listed as a Pay-On-Death ( POD ) beneficiary and is referenced as Single-Party Account with Pay-On-Death ( POD ). My late uncle electronic signature is at the bottom of this Account Agreement. My late uncle 's physical house address along with his email address, social security number, driver license number, birth date and his employment status is on this account agreement Owner/Signer Information section . I learned that XXXX XXXX XXXX  was acquired by PNC and the Pay-On-Death CD rolled over to PNC with a converted or tranlated CD account number that I have. 

On XXXX, I informed PNC Bank, through a phone and fax, that I was a Payable ON Death ( P.O.D. ) beneficary and that my love one had passed identifying me as a beneficiary and for PNC bank to release the Pay Out Claim for the CD to me. PNC confirmed that the converted CD money and that the CD amount from XXXX XXXX XXXX  had been deposited into the respective PNC CD account. PNC bank said that they would be back in contacted with me about the process of releasing the P.O.D. funds to me. I gave PNC a follow up call back to the PNC staff person I spoke with and left several messages but he never returned my call. When I called customer service back and inquired again about the process to obtain the CD Payout PNC told me that the CDs don't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
ON XX/XX/XXXX my XXXX XXXX XXXX  was repossessed by the request of Citizens Bank by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The second company contracted was XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The vehicle repossession was illegal according to 15 USC 1692E and 15 USC 1692F statues. The second company XXXX XXXX XXXX just called and harassed me on a regular basis threatening to take my vehicle. I would also like to file claims of identity theft against all three companies according to 15 USC 6802 ( b ) ( 1 ) ( b ) and 15 USC 6801 statues. Both XXXX  companies listed received my all my personal information without my written consent. Citizens Bank has exposed all my sensitive personal information to recovery companies and their employees that can potentially be used in an fraudulent manner to cause harm to myself and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: ME

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of account below has 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  ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX ( Original Creditor : XXXX XXXX  ) : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX  XXXX Original Creditor : XXXX  ) : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, has violated my rights. I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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:
I recently a reviewed in my credit report I noticed on my account that was not reporting actually I had late payments one an account that I was in fact paid on time the consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payment I leave attached a copy of my report to this complaint on the following dates I'm now requiring investigation to providing viability proof with records showing that I had late payments if this information can not be verified I demand this payment be updated to paid on time immediately thank you for your understanding and promote action

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 2024-06-23 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:
I recently a reviewed in my credit report I noticed on my account that was not reporting actually I had late payments one an account that I was in fact paid on time the consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payment I leave attached a copy of my report to this complaint on the following dates I'm now requiring investigation to providing viability proof with records showing that I had late payments if this information can not be verified I demand this payment be updated to paid on time immediately thank you for your understanding and promote action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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: FL

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

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

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

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

Company response to consumer: Closed with non-monetary relief