vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-16 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: NC

Complaint narrative:
XXXX XXXX XXXX are reporting XXXX XXXX XXXX Balance {$13000.00} and also reporting XXXX XXXX XXXX Balance {$38000.00} I've disputed these items in the past as fraudulent accounts and the items was deleted they are now reflecting back on my credit reoport.And I've sent letters and FTC reports regarding this matter and they are still reporting these fraudulent accounts on my credit report!! These items are not reporting on Transunion and per the law all credit reports are supposed to be accurate and the same all across the board! this is hindering my true credit and I want these items removed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts and addresses as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and removed : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$920.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: PA

Complaint narrative:
Trans Union Consumer Solutions XXXX XXXX XXXX XXXXXXXX, PA XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX. 

Subject : Cease and Desist Letter - Unauthorized Inquiries/Adverse Actions XXXX. Trans Union associated with XXXX XXXX XXXX  XXXX. Trans Union associated with XXXX XXXX on XXXX XXXX. Trans Union associated with XXXX XXXX on XX/XX/XXXX XXXX. Trans Union associated with XXXX on XX/XX/XXXX XXXX. Trans Union associated with XXXX XXXX on XX/XX/XXXX XXXX. Trans Union associated with XXXX XXXX on XX/XX/XXXX XXXX. Trans Union associated with XXXX XXXX on XX/XX/XXXX XXXX. Trans Union associated with XXXX on XX/XX/XXXX XXXX. XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX associated with XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX associated with XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX. XXXX associated with XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX with XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX with XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX associated with XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX with XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX. XXXX associated with XXXX XXXX on XX/XX/XXXX XXXX. XXXX associated with XXXX XXXX on XX/XX/XXXX XXXX. XXXX associated with XXXX XXXX XX/XX/XXXX XXXX. XXXX associated with XXXX on XX/XX/XXXX XXXX. XXXX associated with XXXX on XX/XX/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 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Kindly see the attached documents. I want the bureau to begin an investigation into these accounts, as I am never overdue, but they are wrongly reported as such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accountsas unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
Refer to the attached documents. I want the bureau to initiate an investigation into these accounts, as I am consistently on time but they are reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: LA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: TX

Complaint narrative:
According to my consumer report for my XXXX XXXX XXXX XXXX mortgage account, you have a 30-day late payment reported for XX/XX/2023, after confirming with the lender there should be no late payment reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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:
I have checking account with XXXX and I have have XXXX XXXX that shows my credit score as I check it I seen 5 late payment on my profile with the back and it was report by Experian and I do not have any late payment on any of my account and I call them and they ask like they do not know what I am talking about I have been having problem with all three Credit Bureau with my score they keep dropping never give me credit for paying my bills on time when they do they give me XXXX point them put things in my file or report it to other credit and it not true and it is wrong for what they are doing I need it to be investigate late payment 5 was reported to XXXX XXXX this is not right to do when I check my credit I do not see any late payment I call all my creditor no one has report any late payment it just there

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I alredy did some dispute to Transunion trying to fix the error buy they are continuing reporting that error and never send me any proof of the account investigation, the account is XXXX XXXX XXXX XXXX account number XXXX and they report me a late payment on 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 2024-01-16 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: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: CT

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, Experian, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: MO

Complaint narrative:
For the 4th time today I was notified about disputes available on line but yet again there not and I got HUNG UP ON AGAIN

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: IL

Complaint narrative:
THIS ACCOUNT IS BEING REPORTED AS A COLLECTION ON MY CREDIT REPORT. WRONG!!!! HOW ARE YOU REPORTING CO STATUS ON THIS ACCOUNT WHEN THE ACCOUNT WAS PAID AND IN GOOD STATUS? THIS HAS ALREADY BEEN PAID AND IS IN XXXX BALANCENOT CO STATUS!!! ALL OTHER BUREAUS ARE REPORTING CORRECTLY. WHY ARE YOU REPORTING WITH WRONG INFORMATION????

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HGREG.com
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX RE : CFPB COMPLAINT ( XXXX ) TO WHOM THIS MAY CONCERN, FAILURE TO RESPOND WITHIN XXXX BUSINESS DAYS IS YOUR TACIT AGREEMENT THAT YOU ARE INDEED OPERATING UNLAWFULLY AND WILL COMMENCE LEGAL PROCEEDINGS. 

HGREG IS CURRENTLY IN VIOLATION OF : THE EQUAL CREDIT OPPORTUNITY ACT, THE CONSUMER CREDIT PROTECTION ACT, AND ILLEGALLY ENFORCING A CASH TRANSACTION WITH A FINANCING TRANSACTION ( 15 U.S. CODE 1605-1606 ) WITH PENALTIES OF UP TO ( {$5000.00} TO {$25000.00} PER DAY ) AS DETERMINED BY A COURT OF LAW. 

I WAS APPROVED FOR {$30000.00} BY XXXXXXXX XXXX  AND I DEMAND ACCESS TO MY LINE OF CREDIT. I WILL NOT BE PAYING A DOWN PAYMENT AND I AM NOT REQUIRED TO DO SO AS LONG THE FINAL TRANSACTION DOES NOT EXCEED THE AMOUNT GRANTED BY XXXX BANK WHICH IS {$30000.00}. 

NO FACTS CAN BE TRIED IN COURT. PLEASE RESPOND IMMEDIATELY TO RESOLVE THIS MATTER OR SUFFER IMMEDIATE LEGAL ACTION. 

I UNDERSTAND THIS MAY HAVE BEEN AN ERROR ON YOUR BEHALF AND YOU MAY HAVE NOT KNOWN YOU WERE OPERATING UNLAWFULLY, AND I DO NOT WISH TO ESCALATE THIS MATTER. 

I WILL GLADLY MAKE THE PROPER VEHICLE SELECTION NOT TO EXCEED ( {$30.00}, XXXX TOTAL ) AND NOT PROCEED FURTHER WITH LEGAL ACTION, ONLY IF WE CAN QUICKLY COME TO AN AGREEMENT. 

THANK YOU. 

" XXXX ID XXXX. : XXXX Date of Inquiry : XX/XX/2024 Submitted by : HGreg.com Application Status : XXXX '' XXXX XXXX XXXX XXXX ATTACHED )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This is new information that I received from the my local police department in NJ. I advised that I did no make these charges to this Synchrony Card/Amazon . the card was used in California and by fictitious people. I got a " Closed investigation letter '' from Synchrony bank. I tried to contact the investigator XXXX XXXX several times, her answering machine is not updated and have left my name and number for them to contact me. The balance has been since forward to a collection agency and have since dropped my credit scores. The CFPB case number is XXXX. I received the Police investigation results in XXXX of XXXX, and wanted to share the results with Synchrony but they have failed to follow-up on my telephone calls. I will include the new police reports. Again I did not make the charges on this card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts and addresses as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and removed : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$98.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am never late, but they are erroneously reported as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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:
I am filing a formal complaint against XXXX XXXX XXXX for egregious violations of the Fair Credit Reporting Act ( FCRA ), Code of Federal Regulations ( CFR ), and the Privacy Act of XX/XX/1974. These violations pertain to the unauthorized disclosure of my nonpublic personal information to non-affiliated third parties without proper notice or consent, a clear breach of privacy regulations outlined in the aforementioned laws. Congressional Findings and Compliance Obligations : 15 U.S. Code 1681 emphasizes the critical importance of fair and accurate credit reporting for the efficiency of the banking system. It mandates fair evaluation of consumer information by reporting agencies and stresses the significance of consumer privacy protection. Consumer reporting agencies are legally obligated under 15 U.S. Code 1681e to implement procedures ensuring the highest accuracy of consumer reports. XXXX XXXX XXXX disclosure of inaccurate information violates these obligations and breaches statutory provisions. Details of Violations : 1. **Disclosure of Nonpublic Personal Information : ** XXXX XXXX XXXX without obtaining requisite consent or providing proper notice, disclosed my personal information to non-affiliated third parties namely EXPERIAN . This action directly violates the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the FCRA ( 15 U.S. Code 6802 ). 2. **Failure to Provide Opt-Out Opportunity : ** I was not offered the opportunity to opt out of the disclosure of my nonpublic personal information, as mandated by the FCRA 15 U.S. Code 6802 ( b ), exacerbating the violation. 3. **Continued Right to Opt Out : ** As per 16 CFR 313.7 ( f ), I reserve the right to opt out at any time, a privilege denied to me by XXXX XXXX XXXX actions. 4. **Exclusion of Transaction and Experience Information : ** XXXX XXXX XXXX included transaction history within reported information, violating the exclusionary provision of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The unauthorized disclosure of my personal information by XXXX XXXX XXXX  has caused significant financial and emotional distress, disrupting my life. 
Enclosed are supporting documents detailing the violations and their impact on my financial and emotional well-being. I appreciate your attention to this matter and await your prompt 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