vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 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: 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. 
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 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 2024-01-12 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: GA

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after XXXX written requests is also evidence of their willful disregard of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have submitted all proof of payments to Ally from XX/XX/2023 until XX/XX/2023. I have sent proof showing that all payments were all made on time and never 30 days behind. Please update the late payment from XX/XX/2023. Please send proof of the late payment as per my bank statements were paid on time. I have been fighting this a long time and the creditor continuously move the late payment from month to month. This is affecting my credit and I am trying to get if taken care of as I do pay my bills monthly and on time.

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 2024-01-12 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 EQUIFAX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights on XXXX XXXX XXXX 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 instruction so therefore I need these accounts removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

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 2024-01-12 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: MD

Complaint narrative:
XX/XX/2024 15 USC 1681 SECTION 602 There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. I am a consumer of your reporting agencies services and have the right not to have my private information shared which is backed by 15 USC 6801.It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 USC 1681 SECTION 604 ( a ) SECTION ( 2 ) states that in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the with the written instructions of the consumer to whom it relates. The Consumer reporting agencies Equifax & Experian and the financial institution do not have my consent nor my written consent to present this information. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. The Furnisher of information to credit agencies never informed me of my right to exercise my non disclosure option.

15 USC 1681 ( c ) ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my premission which is against the law. 15 USC 1681s-2 ( a ) ( 1 ) ( a ) states 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 USC 1681 ( e ) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sections 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

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 2024-01-12 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: MD

Complaint narrative:
XX/XX/2024 XXXX5 USC 1681 SECTION 602 There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. I am a consumer of your reporting agencies services and have the right not to have my private information shared which is backed by 15 USC 6801.It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 USC 1681 SECTION 604 ( a ) SECTION ( 2 ) states that in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the with the written instructions of the consumer to whom it relates. The ConsumXXXX reporting agencies Equifax XXXX XXXX and the financial institution do not have my consent nor my written consent to present this information. XXXX5 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. The Furnisher of information to credit agencies never informed me of my right to exercise my non disclosure option.

15 USC 1681 ( c ) ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my premission which is against the law. 15 USC 1681s-2 ( a ) ( 1 ) ( a ) states 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 USC 1681 ( e ) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sections 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
FORTIVA Credit Card. 
Ok I payed This card off a few years ago. I did something with the Bank and this was on the list of late payments. Apparently my account has built up late fees of {$14000.00} Not One call or Email or Regular Mail from them. I payed this off again a few weeks ago. 
What my complaint is I called and got the runaround a few times And the Fact that Nobody from that company even tried to reach out to me. People wonder what drives people over the edge. Well its XXXXXXXX XXXX This.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: GA

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after XXXX written requests is also evidence of their willful disregard of Federal Law.

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 2024-01-12 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: GA

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after XXXX written requests is also evidence of their willful disregard of Federal Law.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WOOD FINANCE INC DBA PREMIER ACCEPTANCE
State: IL

Complaint narrative:
I am writing to request the method of verification used in connection with the investigation of the dispute I submitted regarding the accuracy of information on my credit report, as allowed under 15 U.S.C. 1681s-2 ( e ).

I appreciate the effort you have undertaken in investigating my dispute. However, I am know seeking specific details regarding the method of verification employed during this process, as required by the aforementioned section of the fair credit reporting act.

Pursuant to 15 U.S.C. 1681s-2 ( e ) ( 7 ). I request that you provide me with a description of the procedures used to verify the accuracy of the disputed information, including the names and addresses of any third parties involved in this verification process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2024-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: NE

Complaint narrative:
I have sent a recent post about XXXX XXXX, Now this One is about U.S. Bank. I took a debt consolidation loan of XXXX with them. They sent me Cashiers check and was responsible for paying off one directly. I really regret doing this as it has been nothing short of a nightmare. I sent cashiers check to all creditors to pay off in full. I only had problem with XXXX XXXX. I tried talking to U.S. Bank about this and there response was I needed to take check to XXXX XXXX directly. Hmmm... Thats what I did. I took check straight to XXXX XXXX at XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Nebraska. I handed it to gentleman in customer service, and received a receipt paid in full. I also went to U.S. Bank and stood at counter for about an hour while XXXX who I did loan with called XXXX XXXX and tried to work this out. I think inexperience and lack of caring is a big problem here. I was given copy of cashiers check that XXXX XXXX had already cashed. Yet somehow also did a reversal. How you cash a check and do a reversal at same time is mind blowing. U.S. Bank was supposed to take care of XXXX XXXX XXXX directly. That transaction never happened. Then My loan is setup with first payment due today on XX/XX/2024. I have already setup bill payment with XXXX XXXX and they sent payment to U.S. Bank on XXXX. I called U.S. Bank and asked them why this was not yet posted. The response I got was XXXX XXXX would have sent check to me to pay off credit card. What in the XXXX are they talking about? This is a direct payment from XXXX XXXX to U.S. Bank. Now I have to believe this is U.S. Bank being inexperienced and causing these problems. In the mean time I had to endure several harassing phone call, emails, and postal mail bill collections. I have never ever been late on a bill or missed a payment until I did business with U.S. Bank. Almost Ruined my XXXX. Started off a bad XXXX XXXX. Can I get some help?

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 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct 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 2024-01-12 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: NJ

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In XX/XX/XXXX, I deposited a check for {$4000.00} plus at chase bank through my mobile app. The check was a refunded deposit from my old apartment after I moved out, therefore the check had two names ( my roommate and mine ) on it, in which I only signed my name on it to deposit. Chase bank identified my deposit as a fraudulent transaction, and declined the payment. They closed my account without place for negotiable. They wanted to suspend the fund until they can get a hold of my roommate, so I provided chase with her phone number at the time, chase then returned to me and claimed that the phone number wasnt registered under their system so there is no way they can identify my roommates consent to deposit the money. 
Fast forward to XX/XX/XXXX, my roommate went abroad and I asked chase if they could return the fund to the sender ( apartment ) so I can have the sender issue me another check. Since my roommate would not have a phone number, it would be easier for her to talk the apartment. Chase said no, they cant release the fund because it has already been deposited into chase. I asked whats going to happen, they said they dont know the money will go unclaimed to state. They cant do anything about it. 
I then contacted them once again in XX/XX/XXXX and requested them to return the money to sender. I was promised to have my matter escalated, promised a call back within 48 hours which I never got the phone call. 
Very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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 am reaching out to your agency in regards to the accounts mentioned below. I am requesting that these accounts not only be brought up to date regarding all the information that entails, I would also like to obtain documents or contract agreements from the original creditors and/or signed documents that bear my signature as proof that these accounts are in association with me. As a consumer, I am aware of my rights to question the accounts and have them properly investigated, updated or removed. Your inaccurate and incomplete reports are affecting me in negative ways and are in VIOLATION of the FCRA. 

My only complete accurate and full desired reported address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I do not have any requisite other current addresses and I do not desire any other addresses to be retained or reported, if any delete now or produce proof of your legitimate authoruty to retain much less report without infringing my consumer rights. 

Additionally, I've found some inquiries that I do not authorize and third party-collections.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted all proof of payments to XXXX from XX/XX/2023 until XX/XX/2023. I have sent proof showing that all payments were all made on time and never 30 days behind. Please update the late payment from XX/XX/2023. Please send proof of the late payment as per my bank statements were paid on time. I have been fighting this a long time and the creditor continuously move the late payment from month to month. This is affecting my credit and I am trying to get if taken care of as I do pay my bills monthly and on time.

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