vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
Hello, I reached out to XXXX in order to exercise my right to " Opt Out '' of sharing my nonpublic information with nonaffiliated third parties. According to two of their representatives, XXXX being a supervisor by the name of XXXX, I was basically told that as a consumer I have no such right. So I even took the time to read what the law states according to 12 CFR 1016.10 ( a ) ( 1 ) ( 2 ) ( 3 ) ( b ) to her, which details how I was supposed to be given such notice at the time of the loan or soon there after, which I have NEVER received.This was quite disturbing to me, so therefore I tried to explain to them that, I as a consumer, definitely have such a right. I also explained the fact that I am NOT trying to avoid my obligation, I just simply would like to exercise my legal right of not having it reported to nonaffiliated third parties as the law clearly states I have the right to do. After we went back and forth about it, she checked with her superiors and returned with pretty much the same answer from them. I'm not sure if everyone there is just simply oblivious to the laws concerning this issue but it is something that really needs to be taught to those who are responsible for the handling of a consumers nonpublic information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
Hello, I reached out to XXXX in order to exercise my right to " Opt Out '' of sharing my nonpublic information with nonaffiliated third parties. According to two of their representatives, one being a supervisor by the name of XXXX, I was basically told that as a consumer I have no such right. So I even took the time to read what the law states according to 12 CFR 1016.10 ( a ) ( 1 ) ( 2 ) ( 3 ) ( b ) to her, which details how I was supposed to be given such notice at the time of the loan or soon there after, which I have NEVER received.This was quite disturbing to me, so therefore I tried to explain to them that, I as a consumer, definitely have such a right. I also explained the fact that I am NOT trying to avoid my obligation, I just simply would like to exercise my legal right of not having it reported to nonaffiliated third parties as the law clearly states I have the right to do. After we went back and forth about it, she checked with her superiors and returned with pretty much the same answer from them. I'm not sure if everyone there is just simply oblivious to the laws concerning this issue but it is something that really needs to be taught to those who are responsible for the handling of a consumers nonpublic information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/ 2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
So my problem is a general problem with all 3 bureau 's. I want to know how a company that you may have been making monthly payments to like a utility company for instance for 20 years never has to report your good 20 year history but when you leave them and don't pay the last bill they can report that. 
this is supposed to be fair trade, I believe and will argue and go to court is needed that if a company is not required to report your good payments they should have no right to to report anything period. 
all your loans, credit cards etc. have to report every month why should these companies not be required to do the same.

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
So my problem is a general problem with all 3 bureau 's. I want to know how a company that you may have been making monthly payments to like a utility company for instance for 20 years never has to report your good 20 year history but when you leave them and don't pay the last bill they can report that. 
this is supposed to be fair trade, I believe and will argue and go to court is needed that if a company is not required to report your good payments they should have no right to to report anything period. 
all your loans, credit cards etc. have to report every month why should these companies not be required to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for Refinance of mortgage with XXXX XXXX. They said it is a soft inquiry. 

As time went on i continue to get hard and soft inquires on my report. 

There is over twenty inquiries on my account and i only ; looked at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My daughters identity was stolen last week and used to open a check account with Bank of america. they then bounced a check and incurred a fee. the account was closed with a negative balance which triggered a freeze on her actual checking account at another bank. BOA was contacted by my daughter but they will not give her a letter indicating it was fraudulant for 90 days. I posted about this on Social Media and several people responded the same thing happened to them with BOA. I believe an investigation should be opened to look into potential fraud within BOA.

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I asked the credit bureaus to do a verification of some accounts on my credit report, they did and stated that everything was accurate. 
I did a research myself found improper and inaccuracies on my credit report after they did their research. 
I have attached the accounts information.. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX listed on the attachment, has violated my rights.

15 U.S.C 1681 Section 602 A, states I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I asked the credit bureaus to do a verification of some accounts on my credit report, they did and stated that everything was accurate. 
I did a research myself found improper and inaccuracies on my credit report after they did their research. 
I have attached the accounts information.. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX listed on the attachment, has violated my rights. 
15 U.S.C 1681 Section 602 A, states I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy federal credit card XXXX Unfortunately 2017 I was a victim to identity theft, since then Ive sent out proof of documents to each credit bureau showing police report, since then these things are still popping up on my credit report. At this point dont know what to do. Please remove this matter at your earliest convenience. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
Date - XX/XX/23 company - onemain financial issue : website states " wont affect credit score '' if you check your rates. They ended up doing a hard hit on my credit report and wont remove it. 

website - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
To whom it may concern, RE : Synchrony/Amazon account XXXX XXXX XXXX XXXX My name XXXX XXXX XXXX XXXX, I had an account with Synchrony/Amazon that went delinquent due to some medical issues while waiting on my social security to become active. The account was closed on XX/XX/2019 but I made a payment arrangement with and agreed upon monthly auto withdraw. This was a fixed payment arrangement in the amount of $ 48 monthly, and it was auto deducted every month. Synchrony violated our agreement and violated the Fair credit reporting act by, submitting. ( 16 ) 60-day lates and ( 2 ) 90-day lates that are all false because we made a new mutually agreed upon payment arrangement. I called Synchrony to question these false and on going lates and they confirmed I was never effectively late during the payment arrangement but that they had a policy that they would report lates anyway while we were in this arrangement. Synchrony states that I signed an agreement that stipulated these lates would continue, but there is no signed document. I requested a copy of the agreement they state I signed. Twice and they essentially refused to send it to me. They admitted on a recorded call that we did have a new payment agreement with a new fixed payment and that we honored the agreement and paid it all in full. 
Since we established a new payment agreement by phone, they have violated the Fair credit reporting act because the 3-credit bureau reporting requirement asks if Paid as agreed all payment were made on time and auto deducted by Synchrony. So, reporting 60-day lates and 90-day lates are lies and false reporting. They claimed it is a charge off, but I set the payment agreement before it was charged off.

I have been defrauded, my credit score has been weighed down and my capacity to borrower as needed for my family has been diminished. But I believe their false reporting is a pattern that is harming Americans of which I happen to be a 100 % XXXX veteran. Such practices should be sanctioned, and an in-depth investigation should be done see how often Synchrony Bank has violated its customers rights in false reporting to harm its clients who have had hardships. Its hard not to see this as malicious intent and behavior by a company that should be helping their clients in hardship. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX esq. XXXX FTC

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 2023-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The bank Wells Fargo has been keeping the balance same for almost a XXXX now after paying almost {$3000.00}. When asked why is it still the same customer service always says its the interest or late fees always making up non sense. Loan was originally signed for XXXX XXXX and during the pandemic they changed the duration with my knowledge but its been XXXX XXXX since loan was opened and i still have XXXX XXXX of loan payments to do which makes no sense.

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX and Transunion All XXXX XXXX, 2023. 
Multiple times i have frozen my accounts and even signed up for extra protection under XXXX. Multiple times a hacker has been able to unfreeze both of these accts and change my email to an outlook email. Over and over again, after i have changed my password and even userid. This truly feels like it is somebody from their own institution. They won't research the email that is given. Which would tell them immediatley who it is they are dealing with. 
I had 11 inquires in early XXXX and all were trying to open personal loans. I even got a atm card in the mail saying i opened an online bank acct with a XXXX balance... 
I asked for extra security to be put on my acct and asked for supervisor help XXXX2023, they let me sit on the phone for 1.25 hours and then sent me to a survrey of how well they did, without ever getting me to a supervisor. This was XXXX. 
Transunion just keeps letting them in and changing my email and un freezing also. 
If this stuff cant be fixed, we are all in big trouble. 

Please help, 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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Back in XX/XX/2021, I filed for XXXX and reaffirmed my auto loan. I have never been late on this loan, even prior to the XXXX. After the XXXX the bank stopped properly reporting my monthly payments and balance. On my credit report it keeps looking like the loan isn't getting paid down. I have reported this to the bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) multiple times, they will update the account, but let it get behind in updating again. I keep having to file disputes with credit bureaus and with the bank every 3-6 months to get it properly reported. They should properly report the payments being made and the loan balance as when they don't my score is affected. It is their duty to report this information and keep the account updated. I have done this over times since XX/XX/2021.

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Back in XX/XX/2021, I filed for XXXX and reaffirmed my auto loan. I have never been late on this loan, even prior to the XXXX. After the XXXX, the bank stopped properly reporting my monthly payments and balance. On my credit report it keeps looking like the loan isn't getting paid down. I have reported this to the bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) multiple times, they will update the account, but let it get behind in updating again. I keep having to file disputes with credit bureaus and with the bank every XXXX months to get it properly reported. They should properly report the payments being made and the loan balance as when they don't my score is affected. It is their duty to report this information and keep the account updated. I have done this over times since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Back in XX/XX/2021, I filed for XXXX and reaffirmed my auto loan. I have never been late on this loan, even prior to the XXXX. After the XXXX, the bank stopped properly reporting my monthly payments and balance. On my credit report it keeps looking like the loan isn't getting paid down. I have reported this to the bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) multiple times, they will update the account, but let it get behind in updating again. I keep having to file disputes with credit bureaus and with the bank every XXXX months to get it properly reported. They should properly report the payments being made and the loan balance as when they don't my score is affected. It is their duty to report this information and keep the account updated. I have done this over times since XX/XX/2021.

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
There is an unauthorized Hard inquiry on my report dated XX/XX/2022. 
I demand under FCRA Sec 604 : XXXX. Permissible Purpose XXXX. My written Authorization XXXX. Proof that I personally initiated this Inquiry. 

There has been no Response since XX/XX/2022.

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
C

redit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incom
plete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XXXX XXXX, 2022 to Transunion, XXXX  and XXXX  and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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