vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 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:
Subject : Request to Enforce Financing Transaction under HJR 192 and Relevant Legal Provisions To Whom It May Concern at XXXX XXXX  I recently received notification regarding the denial of my credit application for the financing of a XXXX XXXX XXXX. This letter serves to formally request the enforcement of the financing transaction based on the following legal grounds : 1. HJR 192 ( 1933 ) : Under this resolution, all debts and obligations are payable in legal tender of the United States. This provides individuals the right to discharge debt obligations with lawful money, thereby prohibiting the compulsion to pay in any specific form of currency. 
2. Uniform Commercial Code ( UCC ) : Specifically, UCC 1-207 and UCC 1-308 allow individuals to reserve their rights when performing under a contract without prejudice to those rights. By using my Social Security Number ( SSN ) in the credit application, the transaction involves a non-negotiable instrument, which compels XXXXXXXX XXXXk to recognize and process the transaction under these terms. 
3. Code of Federal Regulations ( CFR ) 12 CFR 226.13 ( Regulation Z ) : This regulation outlines procedures for resolving disputes related to credit transactions, providing consumers with protections against erroneous credit decisions. 
4. Non-Discrimination : Basing the financing decision solely on my credit report constitutes discrimination. Under federal law, specifically the Equal Credit Opportunity Act ( ECOA ), I have the right to be evaluated on factors beyond just the credit report, especially when negative items are present. 

As such, I assert my right to have this financing transaction processed and approved. I reserve all rights and remedies available to me under the UCC and CFR. Furthermore, I demand the transaction be reconsidered in light of my rights under HJR 192 and the recognition of my SSN as part of a non-negotiable instrument. 

Attached Documentation : 1. Images of the denial letters indicating the credit scores and reasons for the decision. 

Please inform me of the necessary steps to proceed with the approval of this financing transaction. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request to Enforce Financing Transaction under HJR 192 and Relevant Legal Provisions To Whom It May Concern at XXXX XXXX, I recently received notification regarding the denial of my credit application for the financing of a XXXX XXXX XXXX. This letter serves to formally request the enforcement of the financing transaction based on the following legal grounds : 1. HJR 192 ( 1933 ) : Under this resolution, all debts and obligations are payable in legal tender of the United States. This provides individuals the right to discharge debt obligations with lawful money, thereby prohibiting the compulsion to pay in any specific form of currency. 
2. Uniform Commercial Code ( UCC ) : Specifically, UCC 1-207 and UCC 1-308 allow individuals to reserve their rights when performing under a contract without prejudice to those rights. By using my Social Security Number ( SSN ) in the credit application, the transaction involves a non-negotiable instrument, which compels XXXXXXXX XXXX to recognize and process the transaction under these terms. 
3. Code of Federal Regulations ( CFR ) 12 CFR 226.13 ( Regulation Z ) : This regulation outlines procedures for resolving disputes related to credit transactions, providing consumers with protections against erroneous credit decisions. 
4. Non-Discrimination : Basing the financing decision solely on my credit report constitutes discrimination. Under federal law, specifically the Equal Credit Opportunity Act ( ECOA ), I have the right to be evaluated on factors beyond just the credit report, especially when negative items are present. 

As such, I assert my right to have this financing transaction processed and approved. I reserve all rights and remedies available to me under the UCC and CFR. Furthermore, I demand the transaction be reconsidered in light of my rights under HJR 192 and the recognition of my SSN as part of a non-negotiable instrument. 

Attached Documentation : 1. Images of the denial letters indicating the credit scores and reasons for the decision. 

Please inform me of the necessary steps to proceed with the approval of this financing transaction. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-07-05 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: ID Analytics, Inc.
State: FL

Complaint narrative:
Subject : Request to Enforce Financing Transaction under HJR 192 and Relevant Legal Provisions To Whom It May Concern at XXXX XXXX, I recently received notification regarding the denial of my credit application for the financing of a XXXX XXXX XXXX. This letter serves to formally request the enforcement of the financing transaction based on the following legal grounds : 1. HJR 192 ( 1933 ) : Under this resolution, all debts and obligations are payable in legal tender of the United States. This provides individuals the right to discharge debt obligations with lawful money, thereby prohibiting the compulsion to pay in any specific form of currency. 
2. Uniform Commercial Code ( UCC ) : Specifically, UCC 1-207 and UCC 1-308 allow individuals to reserve their rights when performing under a contract without prejudice to those rights. By using my Social Security Number ( SSN ) in the credit application, the transaction involves a non-negotiable instrument, which compels XXXXXXXX XXXX to recognize and process the transaction under these terms. 
3. Code of Federal Regulations ( CFR ) 12 CFR 226.13 ( Regulation Z ) : This regulation outlines procedures for resolving disputes related to credit transactions, providing consumers with protections against erroneous credit decisions. 
4. Non-Discrimination : Basing the financing decision solely on my credit report constitutes discrimination. Under federal law, specifically the Equal Credit Opportunity Act ( ECOA ), I have the right to be evaluated on factors beyond just the credit report, especially when negative items are present. 

As such, I assert my right to have this financing transaction processed and approved. I reserve all rights and remedies available to me under the UCC and CFR. Furthermore, I demand the transaction be reconsidered in light of my rights under HJR 192 and the recognition of my SSN as part of a non-negotiable instrument.

Attached Documentation : 1. Images of the denial letters indicating the credit scores and reasons for the decision. 

Please inform me of the necessary steps to proceed with the approval of this financing transaction. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: TX

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 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 XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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:
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: WV

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place.

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 2024-07-05 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: WV

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Truist Bank regarding their prolonged holding of my deposit of {$2000.00}, well beyond the federally regulated 7-day period. Despite almost 15 days passing, Truist Bank has failed to identify any fault and continues to place a lock on my account. 

I have provided all necessary verification regarding the origin of the payment, yet my account remains restricted. I request an immediate resolution, which I believe should either entail the full unlocking of my account for unrestricted use or the prompt closure of my account with the issuance of my full balance. 

This situation not only inconveniences me but also constitutes a clear violation of banking regulations designed to protect consumers from unjustified withholding of funds. I kindly request the Consumer Financial Protection Bureau to intervene swiftly to ensure Truist Bank complies with these regulations and provides me with the appropriate remedy without further delay. 

One notable example is the case of XXXX XXXX, a customer of XXXX XXXX. In XXXX, XXXX deposited a check for {$1500.00} into her XXXX account. The bank placed a hold on the funds, citing a policy that allowed them to hold funds for up to 11 days for checks larger than {$5000.00}. However, XXXX 's check was only {$1500.00}. 

XXXX filed a lawsuit against XXXX, arguing that the hold was unfair and violated federal regulations that require banks to release funds from deposited checks within a reasonable time frame. The court ruled in XXXX 's favor, stating that XXXX 's policy was in violation of federal regulations, and ordered the bank to pay damages to XXXX for the inconvenience caused by the prolonged hold on her funds. 

This case serves as an example of how banks can be held accountable for unjustifiably holding customer funds and demonstrates the importance of adhering to federal regulations regarding fund availability. 


Thank you for your prompt attention to this matter.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Equifax is showing one thing XXXX and XXXX is showing another Ive ask Equifax to correct or remove it never heard back from them nor was it corrected. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: FL

Complaint narrative:
My account with XXXX XXXXXXXX and XXXXXXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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