vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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, 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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Like many people, gaining access to my Experian account is an exercise in repeated frustration. Each time I have tried to finish setting up an account over the past two months ( I began on XXXX XXXX, 2024 ; the last time on XXXX XXXX 2024 ) I get the message that their site is having a problem and I should call their toll free number. Requesting a confirmation code to my cell phone results in NO text being received ( which makes me think it is never sent ). 

Instead I receive emails from Experian asking me to finish setting up my account : " Action needed, XXXX : Finish creating your account '' ( Received on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ). When i click the link, I then get the message that there is something wrong and I need to call. 

As I mentioned, this seems to be a problem for many. I use XXXX, but have tried this with XXXX XXXX and even XXXX XXXX XXXX. 

Please require Experian to address this common problem and publish how one can actually set up and " finish creating '' one 's account without having to call and likely face pressure to sign up for a paid account. If Experian can not provide what is supposed to free by law, perhaps they should be dealt with as the law and regulations allow.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: GA

Complaint narrative:
After repeatedly going back and forth with Upstart regarding late payments, they've updated multiple errors on my credit profile with all three major credit bureaus. I have reached out several times to ask for validation of late payments prior to contacting Consumer Protection Bureau. Today my credit report was updated with the false dates they deemed my credit profile as late. None of these dates match with my records through email after payment processing. This company lied to me several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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:
XX/XX/2024 I have disputed several accounts with the Credit Report agencies. 

The Credit Report Agencies are Violating my rights as a Consumer under the Federal Trade Commission Act ( FTC ) and The Fair Credit Repoerting Act ( FCRA ) According to Title 15 United States Code Session 6801 Financial Institutions are required to protect the privacy of consumers personal financial information.

Financial Institutions must give their customers the right to Opt OUT of having their Information shared with Non-Affiliated third parties. Prohibiting the disclosure of nonpublic personal information about consumers to Non-Affiliated third parties without consumers Verbal or Written Concent.

The Gramm Leach Bliley Act States Non-Affiliated third parties are external organizations or individuals that are not part of the same corporate family or group of the financial Institutions.

I did not give the following financial Institutions Verbal or Written Concent to disclose my nonpublic personal information to Non-Affiliated third parties XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Financial Institutions have broken the law and as a law abiding citizen I would like these accounts removed from my consumer credit reports immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: KY

Complaint narrative:
I pulled a copy of my credit reports from all three credit bureaus and to my amazement I noticed many late payments on an old CLOSED account that I was NEVER late for. This same account shows PAID AS AGREED on my report just one month prior. Also, not only is this reporting as inaccurate late payments on my credit reports, but this erroneous account is showing TWICE on my report as a duplicated account on my credit report! I have attached both the inaccurate account and the duplicate that is reporting. I have also attached the same account that shows PAID AS AGREED/NEVER LATE. 
I demand that you reverse this account immediately to PAID AS AGREED as I was never late on this account. 
Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified to PAID AS AGREED on my credit file.

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 2024-06-11 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: KY

Complaint narrative:
I pulled a copy of my credit reports from all three credit bureaus and to my amazement I noticed many late payments on an old CLOSED account that I was NEVER late for. This same account shows PAID AS AGREED on my report just one month prior. Also, not only is this reporting as inaccurate late payments on my credit reports, but this erroneous account is showing TWICE on my report as a duplicated account on my credit report! I have attached both the inaccurate account and the duplicate that is reporting. I have also attached the same account that shows PAID AS AGREED/NEVER LATE. 
I demand that you reverse this account immediately to PAID AS AGREED as I was never late on this account.

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified to PAID AS AGREED on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: WA

Complaint narrative:
continued harassing phone calls from global lending. afrer numerous request of stop calling me, and multiple refusals to pay. ( audio.visual recordings available upon request )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
The representative for First Horizon Bank, Attorney XXXX XXXX XXXX stated under oath in a federal tribunal hearing that I had signed for Certificates of Deposits and Money Markets in regards to my deceased partner who I was the listed Co-Owner at First Horizon Bank. I am requesting the account numbers for all CDs and Money Markets held by us as Co-Owners at XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: SLM CORPORATION
State: AE

Complaint narrative:
A hard inquiry that I do not recognize. It was made from Sallie Mae Bank which is a bank I dont recognize. The inquiry was made on XXXX XXXX. Also I received an email saying my DOB and social security number was found on the dark web. I would like to dispute that inquiry which was a hard inquiry and the fact that my information was found on the dark web.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-06-11 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: DC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I received an email from my paid credit monitor service that a bankruptcy was reported on all 3 credit bureaus. so I called each bureau and ask them who reported this information. everyone lied to me and told me the court reported it. So I sent a letter to court asking them why did they report this to Equifax, XXXX and XXXX. The court mailed me a letter stating that they will never report any information to any of the credit bureaus or any 3rd parties nor has business with any of them. 

So I mailed a certified letter and priority letter to each credit bureau also to XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. along with that dispute was an attachment of copies of my social, ID and proof of address along with the copy of the letter the court mail me stating they don't report to none of them nor has business with any of them. 

The dispute letter was me Demanding for the bankruptcy to be deleted immediately. It has now been over 30 day and i haven't received any response in the mail. But on my paid credit monitoring service it shows my investigation is completed and verified as accurate. 

The listed companies above is in clear violation. And someone is not doing there job.

This is a violation with the Privacy Act of 1974 This is a violation with the FCRA This is a violation with FCRA 611 ( 15 USC 1681i ) This is a violation with FCRA 623 ( a ) ( 5 ) This is a violation with 15 USC 1681a ( e ) This is a violation with 15 USC 1681b ( a ) ( 2 ) This is a violation with 15 USC 1681c ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: CA

Complaint narrative:
I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and Experian, another credit bureau, has already corrected the inaccuracy this account from their records due to an identified error. I am perplexed as to how you have verified this account while the other bureaus have updated it. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

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 2024-06-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: SD

Complaint narrative:
On XXXX XXXX, i agreed to buy a house pending I could obtain credit through an assumable loan through Freedom Mortgage. On XXXX XXXX the seller started the process to transfer the loan. Freedom Mortgage waited weeks to send me any paperwork and slowly gave me the required documents. If I do not obtain financing by XXXX XXXX, I lose the house. I have called on several occasions for updates and been mainly ignored. Typically, I'm told I'll be called back, but have only received XXXX call back. I do not know where my loan is, when it will be approved, or if Freedom Mortgage has sent me all the paperwork. They are purposely slowing the process in violation of XXXX XXXX XXXXXXXX to prevent a loan assumption. I was told on XXXX XXXX, Freedom Mortgage needed an additional XXXX days to approve the loan by email in writing. I called to state that timeline is unacceptable to be told they didn't staff the assumptions department appropriately. Now, I will lose the home because Freedom Mortgage doesn't prioritize military.

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 2024-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I tried to use my chase card and it was declined. I have been with chase for almost 20 years with zero issues. So I called to find out why my account was closed and they told me there was a fraud alert. So I assumed it would resume after the issue was resolved. When it wasnt resolved I called XX/XX/XXXX and was informed my accounts with chase are being closed and pending investigation my funds will be released back to me via check around 10 business days. They actually said that. They gave me an exact timeframe. Well here we are couple months later and every time I call they say the investigation is still pending and they cant provide me my own funds or tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I was charged {$7000.00} for XXXX  XXXX from XXXX XXXX XXXX on XX/XX/year> after trying them on. The tech/doctor does not let client see the bill until you have tried them on, have them in your ear, and ready to walk out the door. She said you have 90 days to return if they are not feeling right. These XXXX  XXXX are financed by Synchrony XXXX XXXX. The XXXX  XXXX did notwork for me, one fell out of XXXX  XXXX  twice and XXXX XXXX XXXX XXXX XXXX that well out of. I returned the XXXX  XXXX to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, NV XXXX on XX/XX/year> well within the 90 day return period, they gave me a {$0.00} balace return receipt. SYNCHRONY XXXX XXXX  continues to send me a bill even though I have called them, I have texted them, I have sent a copy of the receipt to 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 2024-06-11 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: MO

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 2024-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
XXXX had a data breach whereby XXXX XXXX XXXX personal data was stolen. I was never notified of the breach nor had an opportunity to participate in any remedial activities to further protect my data. I learned in 2022, after trying to obtain high speed internet service at my current address that there was a charge off account for {$1100.00} placed on my credit report by XXXX XXXX XXXX. After discussing with the XXXX XXXX XXXX representative and confirming I never lived at XXXX XXXX XXXX XXXX XXXX GA, the representative charged my XXXX {$1100.00} without my knowledge. My CC company sent an alert, and I immediately canceled my card. The debt has been sold to XXXX XXXX  who called and harassed me about it, and it it now with RADIUS GLOBAL SOLUTION. After submitting a letter through XXXX somehow the information collected from the debt collector was accepted by XXXX as valid. RADIUS GLOBAL SOLUTION is trying to collect {$4100.00} for this debt that I have no knowledge about nor have ever lived in the state of GA where this fraud occurred, furthermore I believe XXXX is liable for the loss of my identity and I should be compensated for the 2 years I have been trying to get this resolved as 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