vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I called the XXXX XXXX XXXX XXXX and asked why I was charged interest when the account was on autopay. The operator told me that that was because they made an error. This was the third time they made such an error. What they are doing, apparently, is going into my bank account and removing only a portion of the cash I set aside to pay the credit card bill in order to incur interest charges. I called the company to complain. They noted the complaint and gave me this reference number : XXXX. And they credited my account for the charges. This is the third time they commited this fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 explanation
Consumer complaint received 2023-10-28 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 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: TX

Complaint narrative:
I was added to the XXXXXXXX XXXX XXXXXXXX as an authorized user XX/XX/2023. The XXXX ended XX/XX/2023. The XXXX Cycle started XX/XX/2023. 

I first pointed this information out to XXXX and asked them to remove the delinquent entries. 

I then educated myself and DISCOVERED ( pun intended ) that it is a violation of the law [ 15 USC section 1681a 2 ( A ) ( i ) ] for XXXXXXXX XXXX to report late payments as delinquencies after assessing late payment fees. These paid fees makes the payments transactions. No creditor or credit bureau is permitted to report transactions. 

I asked XXXXXXXX XXXX, and each respective bureau that XXXX reports to, to reverse the late payment entries to okay or paid as agreed. 
Instead, XXXXXXXX XXXX added XXXX to the previous month preceding the XXXX months that the false and illegal late payment entries were submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I reached out to West Lake about the remaining balance on my account and Everytime I'm being told nothing. I've asked for documents pertaining to my account but nothing has been given. 

They took over my account from XXXX XXXX XXXX without my know of knowing so I continued to make payments so I could keep my car. My balance has reflected XXXX and payments have been made. I have attached a screenshot along with my account number proof that my balance is XXXX they've reported it to the bureaus that I'm delinquent with this account. 

Please provide any information regarding my account and fix this with all three bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need to be able to report to consumer reporting agencies on my credit file that over the years Ive had major brain traumatization impact multiple injuries to my head from two different accidents in fall 2013. I need to be able to report that to my collecting agencies for them to be able to understand that I have Social Security XXXX, and I am also traumatized on medication for years and need to have the fair credit reporting agency analyze my file. Also, when I was XXXX XXXX XXXX, someone gave me a piece of gum with acid on it at a friends XXXX XXXX XXXX, which gave me also major damage because I did not know Lawyer the doctor tell me for 15 years ago did I tell anyone else so that with all the medication over the years I want to school, but I was again unaware then after that XXXX  I had a slip and fall while in summer break vacation. Its very difficult for me to remember things, to take my medication, talk to people or pay my credit. For example, this is why my credit is so damaged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC1681 Section 602. States I have the right to privacy. 15 USC1681 section 604A ( 2 ), it also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft. The information listed in the attached documents, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I have reach out to TransUnion and have sent them a letter pertaining to my issue, however no changes have been made to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: WV

Complaint narrative:
I file this complaint because there are many errors contained in my LexisNexis Risk Solutions Inc. consumer file. My consumer number is XXXX, and my case number is XXXX. Please see the attached letter from LexisNexis. I wish to dispute the following : My name is XXXX XXXX XXXX, not XXXX XXXX. I have attached a copy of my drivers license. Thus, please update Section 1 of my consumer file by removing the name XXXX XXXX. Next, I have not resided at XXXX XXXX XXXX, XXXX, WV XXXX since XXXX. I have also never resided in XXXX, Ohio XXXX, nor XXXX, Ohio at zip code XXXX. Please update Section 1 of my report to remove these addresses. Please also remove Section 3 : Records 17, 18, 19, 20, and 21 for these reasons. Additionally, I have never used telephone number XXXX. Please update Section XXXX of my report to remove this phone number. Finally, I previously requested that a fraud alert and a security freeze be added to my report inasmuch as I am the victim of identity theft. However, I do not see where my request has been honored as of yet. I have attached an identity theft report I filed with the Federal Trade Commission and a report I filed with the FBI XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 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: TN

Complaint narrative:
Account # : XXXX XXXX XXXX XXXX Opened XXXX XXXX I received approval for Arkansas rental assistance on this full balance of {$2800.00} on XX/XX/XXXX. This check was mailed directly to a landlord ( XXXX ) who quit shortly after/left this company on bad terms!! On XX/XX/XXXX The next landlord accused me of stealing an oven ( which was a false accusation ) and then magically my rental account all of a sudden ended up in collections THE SAME MONTH after arguing with the second property manager about property she falsely accused me of stealing! WHY did 2 months pass before I was sent to collections?? IF this was a proper collection-the landland originally handling my eviction process would have turned me in. This is company retaliation and illegal to open a collection account against me when I have confirmation that this company did in fact receive a check for the full amount owed! I have attached PROOF with my relief confirmation letter! I also attached the proof of this landlord falsely accusing me of theft of property via email and threatening to have me arrested!! She obviously opened a collection account the same month as our negative email exchange!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: IL

Complaint narrative:
According to consumer law, they have violated my rights. I asked for my personal information not be shared with any another reporting agency. - [ ] 15 usc 1681 B : permissible purpose - credit furnishers can not share consumer information without the consent or written permission from consumer ; persons who knowingly and willing obtaining information on a consumer from another consumer reporting agency under false pretenses ) shall be fined under title 18. ; - [ ] 15 usc 6802 : rights to privacy.

Obligations with respect to disclosure of personal information.. they are in violation and I want to persue legal action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 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: IL

Complaint narrative:
According to consumer law, they have violated my rights. I asked for my personal information not be shared with any another reporting agency. - [ ] XXXX usc XXXX B : permissible purpose - credit furnishers can not share consumer information without the consent or written permission from consumer ; persons who knowingly and willing obtaining information on a consumer from another consumer reporting agency under false pretenses ) shall be fined under title XXXX ; - [ ] XXXX usc XXXX : rights to privacy. 
Obligations with respect to disclosure of personal information.. they are in violation and I want to persue legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: IL

Complaint narrative:
According to consumer law, they have violated my rights. I asked for my personal information not be shared with any another reporting agency. - [ ] 15 usc 1681 B : permissible purpose - credit furnishers can not share consumer information without the consent or written permission from consumer ; persons who knowingly and willing obtaining information on a consumer from another consumer reporting agency under false pretenses ) shall be fined under title 18. ; - [ ] 15 usc 6802 : rights to privacy.

Obligations with respect to disclosure of personal information.. they are in violation and I want to persue legal action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: GA

Complaint narrative:
I am a victim of identity theft. I already contacted the credit bureau on XX/XX/2023 and again on XX/XX/2023 through certified mail. However, they sent me an updated credit report stating the accounts have been verified. I need to have these accounts removed they are not mine. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX I also submitted my identity theft report from the Federal Trade Commission, and my husband 's police report to the company, and they are still reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
cash one has charged me outrageous interest and fees on a payday loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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 XXXX, XXXX XXXX XXXX FOR XXXX XXXX XXXX, beneficiary ( XX/XX/2023 ) have placed numerous complaints with TRANSUNION through the CFPB about the inaccurate reporting of non public information. The continuous sharing of inaccurate, non public information without my expressed written consent of my consumer credit report has been ruining my reputation and is identity theft. The information being reporting is not relating to any transaction made by the consumer. 

Please See Attached Documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AUSSRQ Holdings, LLC
State: FL

Complaint narrative:
Oliphant USA Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( XXXX ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! Oliphant USA never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC
State: FL

Complaint narrative:
Oliphant USA Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! Oliphant USA never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: NC

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 Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : 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 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 2023-10-28 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: NC

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 Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : 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 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 explanation
Consumer complaint received 2023-10-28 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: VA

Complaint narrative:
Students loans amounts not correct, each credit bureau is reporting a different amount. When I asked for it to be removed from my credit report only XXXX honored my request. I would like for student loan information to be removed from all of the credit bureaus.

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