vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 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:
Notice to Agent is notice to principal notice to principal is notice to agent. I am contacting you because I have found some inaccurate information on my credit report. This is a formal request that you rectify the unlawful " late '' reports on my Consumer Report and update them to " paid as agreed. '' I have recently obtained a copy of my consumer report and I am aware that you have provided inaccurate transactions that are prohibited by the Federal Credit Reporting Act 15 U.S.C 1681a ( XXXX ) ( XXXX ). Please take immediate action to correct this. [ XXXX ] Exclusions. Except as provided in paragraph ( XXXX ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal. Therefore, a consumer 's transactions between Consumer and Person are indeed EXCLUDED from the consumer report. FICO and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned. I did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between the consumer and this institution is a violation of 15 USC 1681a. Please work diligently to address and rectify any inaccuracies in my consumer report. You have furnished excluded transaction information on the following accounts : XXXX XXXX XXXX XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked. As a result of this, I request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of " paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. After updating my Consumer Report please provide me with an updated report reflecting the changes. I am not requesting for Validation or Verification. This letter is certified mail and you are now on notice Thank you for your 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 2024-02-10 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:
Notice to Agent is notice to principal notice to principal is notice to agent. I am contacting you because I have found some inaccurate information on my credit report. This is a formal request that you rectify the unlawful " late '' reports on my Consumer Report and update them to " paid as agreed. '' I have recently obtained a copy of my consumer report and I am aware that you have provided inaccurate transactions that are prohibited by the Federal Credit Reporting Act 15 U.S.C 1681a ( XXXX ) ( XXXX ). Please take immediate action to correct this. [ XXXX ] Exclusions. Except as provided in paragraph ( XXXX ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal. Therefore, a consumer 's transactions between Consumer and Person are indeed EXCLUDED from the consumer report. FICO and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned. I did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between the consumer and this institution is a violation of 15 USC 1681a. Please work diligently to address and rectify any inaccuracies in my consumer report. You have furnished excluded transaction information on the following accounts : XXXX XXXX XXXX XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked. As a result of this, I request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of " paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. After updating my Consumer Report please provide me with an updated report reflecting the changes. I am not requesting for Validation or Verification. This letter is certified mail and you are now on notice Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was in XXXX fyi. XXXX and my card was used without my permission I filed a written dispute and some of the items have been credited. Back and others are pending and the bank is refusing to grant me provisional credit for the still outstanding items as per regulation E

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: TX

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I have a chime charge that I first noticed on XX/XX/XXXXXX/XX/23 there were charges in the amount of {$1.00} that were pending in my account. I called chime to dispute the charges and by this time I noticed there were several more charges in the same amount of {$1.00} which posted on XX/XX/23. I put a dispute in for the charges on XX/XX/23 now I would like to mention at the same time I was dealing with a personal issue with a family member XXXX in the hospital so I was not necessarily paying attention to every single transaction coming out of my account. The merchant was blocked and I was sent a new card but something told me to looked at previous chime statements and I noticed there were a lot of the same charges in XXXX of 2023 as well. In total there were about 90 of the same exact charges that added up to almost {$100.00} in total. I filed two different disputes that were denied. I tried calling the phone number attached to merchant charges and got nothing, I search the name on the charge which was XXXX XXXX and several message boards came up with different customers stating they recieved the exact or similar charges and they were not able to get their money back even after disputing it with their bank. I am a XXXX mother I dont have {$100.00} to give to anyone stealing from my account and the reason this complaint is being filed at this time is because my grandmother passed away recently after a lengthy hospitalization and I had to deal with that. I understand Chime is a pre-paid card however that should not mean that you allow scams and unauthorized charges and as customers were supposed to just XXXX it up and take the loss. If this issue is not resolved I will gladly take my money somewhere else where the due diligence is done and they make sure their customers are given back what rightfully belongs to them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a letter to the XXXX and TransUnion Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UPGRADE, INC.
State: CO

Complaint narrative:
My previous complaint was not addressed with this company. I am asking for my account to be closed. Nothing mor, nothing less. I don't want any extra information I didn't asked for. I want my account closed, I have requested so in writing and over the phone. I would like to see in writing what federal or state law prohibits me from having my request fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: TX

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-10 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: CA

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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

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 2024-02-10 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: CA

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: AL

Complaint narrative:
I am a victim of identity theft. I have reported these items to the Federal Trade Commission and all are being investigated by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am a victim of identity theft. I have reported these items to the Federal Trade Commission and all are being investigated by them.

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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
I am submitting a complaint against TransUnion for their failure to adequately address my dispute letter sent on XX/XX/2023, regarding inaccurate items on my credit report. The disputed items include accounts from XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and a reference to bankruptcy with the case number XXXX. 
In my dispute letter, I provided all necessary documentation, including a copy of my photo ID, social security card, and a recent bill with my current address, to assist TransUnion in verifying my identity and address. 

However, I received a response from TransUnion dated XX/XX/2023, stating that they couldn't process my request as it did not appear to be sent directly by me or an authorized third party. This response indicates a failure on TransUnion 's part to conduct a reasonable reinvestigation into the accuracy of the disputed information, as required by the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this complaint is a copy of the dispute letter I sent to TransUnion, along with their response, as proof of correspondence.

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 2024-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank I believe that this bank is not following appropriate adverse action requirements regarding actions and required notices to consumers. 

This company took over several store and PayPal accounts. They have not provided information that was relied on to make credit decisions or disclosed the information/provider. 

I am trying to lower my debt and the company is continually lowering my limits and closing my accounts after payments. 

This negatively impacts my credit utilization scoring. If my credit limit is lowered I will always have high utilization with this company. Something is wrong. So if you lower my limit to XXXX after I pay it down from XXXX, my utilization will be at 100 % until I pay off the account. 

I believe it is being used to harm consumers and deter or penalize consumers for attempting to curb and pay down their debt quickly. Although, I have paid off the accounts it looks like I just maintained 100 % utilization. 

The most recent action was for my PayPal account mastercard. The limit was lowered from XXXX to XXXX the day after I made a large payment. This action will negatively affect my utilization scoring. The alleged adverse action notice references that action was taken XX/XX/scrub>XX/XX/2024 based on information received from XXXX XX/XX/scrub>XX/XX/2024. 

There is no reference to information or disclosure of information, the type of information, or who the information was received from to make the decision on XX/XX/scrub>XX/XX/2024. How can I dispute information that I do not know of. It does not make any sense. I am not sure if they have to pay for or obtain my consent to obtain an credit information, but this action and process is not on the up and up.

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 2024-02-10 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: OH

Complaint narrative:
The credit score has decreased without any negatives added to the credit report. 

The other models for lending mortgage, credit cards, auto are even lower and unattainable. 

It list late payment there are no missed payments XXXX, XXXX, or XXXX and recent collections and there is nothing recent. 

Inquiries on the account are duplicate and unauthorized as I only do soft pulls and they need to be removed, along with the late pays, and disputed other accounts instead of leaving a comment of consumer disputed. 

The scores are being lowered also from what's displayed. 

I am so XXXX by credit that I have a constant headache and XXXX XXXX. 

Next round I sue. It's been a long XXXX years of dealing with this.

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 2024-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I HAVE REQUESTED SEVERAL TIMES FOR ANYTHING THAT CONNECTS THIS TO ME. IT WAS LAST REPORTED ON MY XXXX REPORT ON XX/XX/2024. IT SHOWES XXXX. IT IS NOT MINE

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I responded to 2 notices from Shellpoint my Homeowners Association Insurance and uploaded certificate twice. I called after uploading on XX/XX/2024 to XXXX XXXX Info on XX/XX/24 and was told they received the policy and sent something cancelling their upcoming payment to outside insurance on XX/XX/24. Tonight I received email saying its time for them to pay my HOA insurance! That's why I needed to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: OH

Complaint narrative:
The credit score has decreased without any negatives added to the credit report. 

The other models for lending mortgage, credit cards, auto are even lower and unattainable. 

It list late payment there are no missed payments XXXX, XXXX, or XXXX and recent collections and there is nothing recent. 

Inquiries on the account are duplicate and unauthorized as I only do soft pulls and they need to be removed, along with the late pays, and disputed other accounts instead of leaving a comment of consumer disputed. 

The scores are being lowered also from what's displayed. 

I am so XXXX  by credit that I have a constant headache and XXXX XXXX. 

Next round I sue. It's been a long XXXX  years of dealing with this.

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