vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-31 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items failure to do so I will file litigation against your company for furnishing a false account on my report. This is exactly why these companies are being sued lack of protection to the consumer credit profile. 

Account XXXX XXXX XXXX XXXX different account numbers Account # : XXXX XXXX XXXX XXXX different amounts the inaccuracies go on XXXX {$140.00} Showing on the report twice damaging my profile XXXX instead of XXXX along with a lot of other reporting inconsistencies clearly a violation. 

Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded15 U.S.C. 1681-1681x As well as 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

Under 15 USC Code 1681a ( 3 ) this medical collection is in violation and can't be on my credit report. By time you read this the new law will be active anything under 500 $ will not reported I am so tired of my consumer rights being violated please see attached proof

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 2022-12-31 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items failure to do so I will file litigation against your company for furnishing a false account on my report. This is exactly why these companies are being sued lack of protection to the consumer credit profile. 

Account XXXX XXXX XXXX XXXX different account numbers Account # : XXXX XXXX XXXX XXXX different amounts the inaccuracies go on XXXX {$140.00} Showing on the report twice damaging my profile XXXX instead of XXXX along with a lot of other reporting inconsistencies clearly a violation. 

Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded15 U.S.C. 1681-1681x As well as 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Under 15 USC Code 1681a ( 3 ) this medical collection is in violation and can't be on my credit report. By time you read this the new law will be active anything under 500 $ will not reported I am so tired of my consumer rights being violated please see attached proof

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 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, 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:
Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Dear CFPB and Chase, This is a response for complaint XXXX ( CFPB ). I'm not satisfied with the outcome of that complaint for the XXXX XXXX and the related fee for XXXX and XXXX Billing Statement. 

Regarding the XXXX XXXX, the response is that I have not provided document regarding the wrong price. I have provided the email confirmed that the purchase price is lower. But it is no longer applicable since I already returned the item to the store and I suppose to get a full refund. I would change the reason of the dispute to return and not receive a credit. Please see the return receipt which I already provided and I will also attached to this letter. I provided everything back in XXXX and the case is never resolve. Originally the case was file because the purchase price is different from the charge, however, because Chase take forever to response, I have to return the item to make sure I get the money back, however, they never refunded me after I return the item. 

Regarding the related fees for XXXX and XXXX, they are The interest charges of {$200.00} and {$21.00}. I would like to get a refund for it. In your response you told me because I made the full payment for that billing period, the fees are not refundable. It's wrong, because the fees are associated with the XXXX, XXXX and XXXX XXXX disputes, now that I win the XXXX and XXXX XXXX dispute as up now. I should get that fees back. It's because Chase take forever to resolve the claim which make the interest fee accumulate in my account. 

Please be fair and refund me for it. I requested to change the dispute reason for the claim : XXXX to return and not receive refund and change the dispute amount to full amount of {$3300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: NV

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

TransUnion XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-12-31 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: NV

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-12-31 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to submit a complaint against XXXX XXXX for violating my consumer rights under consumer law 15 U.S. Code 1666b. A late payment was reported on my credit profile for the month 's XXXX and XXXX causing my score to drastically drop. The late payments on the report are inconsistent per bureau which challenges the full integrity of the reporting. I was charged multiple fees that were not clearly and conspicuously. I mailed a letter to XXXX XXXX about this error on XX/XX/2022 and it's been we over 35 days with no response. 

According to 15 U.S. Code 1666b, a creditor is not allowed to report a payment as late unless it is more than 30 days past due. My payment was not more than 30 days past due, so I believe it should not have been reported as a late payment.

I request that the Consumer Financial Protection Bureau take immediate action to ensure that Capital One complies with consumer law 15 U.S. Code 1666b.

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 2022-12-31 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to submit a complaint against XXXX XXXXXXXX for violating my consumer rights under consumer law 15 U.S. Code 1666b. A late payment was reported on my credit profile for the month 's XXXX and XXXX causing my score to drastically drop. The late payments on the report are inconsistent per bureau which challenges the full integrity of the reporting. I was charged multiple fees that were not clearly and conspicuously. I mailed a letter to XXXX XXXX about this error on XX/XX/2022 and it's been we over 35 days with no response. 

According to 15 U.S. Code 1666b, a creditor is not allowed to report a payment as late unless it is more than 30 days past due. My payment was not more than 30 days past due, so I believe it should not have been reported as a late payment.

I request that the Consumer Financial Protection Bureau take immediate action to ensure that Capital One complies with consumer law 15 U.S. Code 1666b.

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 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 1681XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
XXXX5 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 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, who specialize in bankruptcy process management, end-to-end bankruptcy servicing, bankruptcy research and analytics, and bankruptcy portfolio valuation and modeling. Who obtain consumers personal information resells and furnishes information to consumer reporting agencies. In my case, you have obtained my Bankruptcy from XXXX, a database unethically because I was not informed. I was an uninformed consumer during this Transaction. You obtained my personal information, then sold my personal information to the Transunion ( A Consumer Reporting Agency ). You are in violation of the FCRA law and Defaming my character. The Bankruptcy on my file in the public record section is affecting my livelihood and my character and reputation.

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 2022-12-31 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, TransUnion has not responded answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX : XXXX  I believe it was reporting in error.

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 2022-12-31 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: VA

Complaint narrative:
This is to inform you that Transunion unlawfully reported an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. Their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
Also, Transunion did not follow XXXX XXXX COMPLIANCE LAWS when they put these violations of Inquiries, late payments, and wrong addresses on my consumer report, and I DEMAND THAT THEY BE REMOVED EFFECTIVE IMMEDIATELY.

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 2022-12-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
UPDATED AND NEW INFORMATION ON EQUIFAX : On XX/XX/2022 I stated that " EQUIFAX has made false statements and causing harm to my personal reputation which is a defamation of character. '' Case Number : XXXX Today is the XXXX day ( XX/XX/2022 ) Consumer reporting agencies only have 30 days to respond to the consumer disputed INACCURATE ACCOUNTS, ADDRESSES, AND HARD INQUIRIES on my consumer reports Pursuant to 15 usc 1681i . Equifax has failed to do so in a timely manner, so everything in my attachment document shall be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Midland funding is collecting a debt for {$610.00}. I have reached out on XX/XX/2022 to ask for the following : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 
XXXX. What is your authorization of law for your collection of information? 
XXXX. What is your authorization of law for you collection of this alleged debt? 
XXXX. Please send evidence your authorization to do business or operate in the state of ( Your state ) XXXX. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

As of XX/XX/2022 I have yet to receive a response from them.

Company response to consumer: Closed with explanation