vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I hope this letter finds you well. I am writing to seek assistance from the Consumer Financial Protection Bureau regarding ongoing issues I have been experiencing with XXXX, TransUnion, and XXXX. Despite my repeated efforts to dispute late payments and incorrect information on my credit reports, I have encountered significant challenges in rectifying these errors. 
I believe that I have been subject to unfair treatment by these credit reporting agencies, as my attempts to correct inaccuracies on my credit reports have not yielded the desired results. I have diligently followed the procedures outlined by the credit bureaus, including submitting dispute letters and providing supporting documentation. However, my disputes have often been met with delayed responses or dismissive actions, resulting in continued inaccuracies on my credit reports. 
The inaccurate information on my credit reports has had a detrimental impact on my financial well-being, affecting my ability to secure loans, obtain favorable interest rates, and even secure employment. Despite my efforts to maintain responsible financial practices, these errors have unfairly tarnished my creditworthiness. 
I kindly request that the Consumer Financial Protection Bureau investigate my case and intervene on my behalf to ensure that XXXX, TransUnion, and XXXX rectify the inaccuracies on my credit reports promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that your organization is committed to ensuring fair treatment for consumers like me, and I trust that you will take the necessary steps to address this matter. Please inform me of any additional information or documentation you may require to assist in resolving this issue. 
I appreciate your prompt attention to this matter and your commitment to upholding consumer rights. I look forward to a timely resolution and the restoration of accurate information on my credit reports. 
Thank you for your assistance in this matter. 

Sincerely, 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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I hope this letter finds you well. I am writing to seek assistance from the Consumer Financial Protection Bureau regarding ongoing issues I have been experiencing with XXXX, XXXX, and Equifax. Despite my repeated efforts to dispute late payments and incorrect information on my credit reports, I have encountered significant challenges in rectifying these errors. 
I believe that I have been subject to unfair treatment by these credit reporting agencies, as my attempts to correct inaccuracies on my credit reports have not yielded the desired results. I have diligently followed the procedures outlined by the credit bureaus, including submitting dispute letters and providing supporting documentation. However, my disputes have often been met with delayed responses or dismissive actions, resulting in continued inaccuracies on my credit reports. 
The inaccurate information on my credit reports has had a detrimental impact on my financial well-being, affecting my ability to secure loans, obtain favorable interest rates, and even secure employment. Despite my efforts to maintain responsible financial practices, these errors have unfairly tarnished my creditworthiness. 
I kindly request that the Consumer Financial Protection Bureau investigate my case and intervene on my behalf to ensure that XXXX, XXXX, and Equifax rectify the inaccuracies on my credit reports promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that your organization is committed to ensuring fair treatment for consumers like me, and I trust that you will take the necessary steps to address this matter. Please inform me of any additional information or documentation you may require to assist in resolving this issue. 
I appreciate your prompt attention to this matter and your commitment to upholding consumer rights. I look forward to a timely resolution and the restoration of accurate information on my credit reports. 
Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: WA

Complaint narrative:
When the agent called me on XXXX XXXXXXXX XXXX the agent did not tell me that the call was being recorded until over halfway through. I tried to explain to her that we were going to small claims court and she was telling me that the other side had lawyers and that I would not win because of things that I did not do. She was telling me that I had not read my lease and that I had done things that I had done and not done. The phone call was at XXXX XXXX and lasted XXXX mins and XXXX seconds. I took the time and the length of time off of my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
I received a call in XXXX of 2023 From a company out of Washington state called IQ Data International trying to confirm my identity. When I refused to confirm my identity the guy on the phone made an open ended threat and hung up on me. A few weeks later I receive another phone call from woman this time. I confirm my identity and she requests my banking info. When I refuse she says they are going ro ruin my financial future u less I pay them now. I hang up and they then proceed to call me 6 times in a row. I have no debt with original company. They broke the contract. IQ data is trying to collect XXXX from me but I have emails from original debtor for XXXX dollars. This is a very shady and immoral company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: OR

Complaint narrative:
On XX/XX/23 my Equifax score dropped XXXX XXXX because I paid off my XXXX installment loan. The account was closed because it was paid in full. On that same day, Equifax decided to remove two laid in full mortgage accounts. A XXXX point drop is significant and financial damaging. The model is obviously flawed and very unfair to consumers. 

BTW, my XXXX score dropped only XXXX points for the same account closing, and there was no change to my XXXX score because the loan was paid in full! Of course its closed once it is paid. 

Equifax is unfairly penalizing consumers who pay loans in full in my opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Experian XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX has violated FCRA 15 U.S.Code 1681 c-2, by reporting accounts that are fraudulent on my credit report. I have provided each credit reporting agency with a copy of the FTC Identity form, with the accounts that are fraudulent. They are required by law to respond with their decision to rescind the block or block the information within 4 business days. It has been more than 4 business days since, the dispute. Please delete the fraudulent accounts that are reporting under my social. Failure to remove the information will result in a lawsuit against the companies.

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
To Whom It May Concern, I trust this letter finds you well. I am writing to discuss important matters related to my rights and privacy under the Fair Credit Reporting Act, specifically 15 USC 1681.

Section 602 ( a ) of the Fair Credit Reporting Act emphasizes the need to ensure that consumer reporting agencies, such as XXXX, Equifax and XXXX, carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I wish to assert my rights as a consumer to safeguard my private information, as reinforced by 15 USC 6801.

Under 15 USC 6801, it is the policy of Congress that financial institutions, including furnishers of information to credit agencies, have an affirmative and continuous obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information.

However, I would like to draw attention to Section 604 ( a ) ( 2 ) of 15 USC 1681, which stipulates that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the respective consumer. I have not provided written consent for XXXX, Equifax or XXXX, or the furnisher of information to credit agencies, to share my information and I hereby revoke any previous consent, be it verbal, non-verbal, written, implied or otherwise.

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution must inform the consumer of their right to exercise nondisclosure options. I was never informed of this right by the furnisher of information to credit agencies.

Additionally, 15 USC 1681 ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account constitutes adverse information being reported without my permission, which is in violation of the law.

Furthermore, 15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ) states that information furnished to consumer reporting agencies must be accurate. I have reason to believe that the information being reported is inaccurate.

Lastly, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports for specific purposes. XXXX, Equifax and XXXX do not appear to be maintaining such reasonable procedures. 


Additionally, 12 CFR 1016.7 affirms that a consumer may exercise their right to opt out at any time. I am hereby exercising my right to opt out of your reporting services.

I kindly request that you address these concerns promptly and take the necessary actions to rectify the violations of my rights as outlined in the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/23 : I paid an official XXXX XXXX taxi-cab with my CapitalOne XXXX card for a {$12.00} charge ( XXXX pesos ). The taxi driver confirmed the {$12.00} ( XXXX pesos ) but without my knowldge processed a {$1600.00} charge through another device. He could not provide me with a receipt. As soon as I stepped out of the taxi, I received a confirmation of the charge from CapitalOne asking whether the charge was legitimate or fraudulent. I immediately flagged the charge as " fraudulent '' and initiated a dispute with CapitalOne. By the time I realized the fraud, the taxi had departed. 
XX/XX/23 : I called CapitalOne, explained the details of the fraudulent charge, asked my XXXX to close my card and re-issue a new one. 
XX/XX/23 : I faxed/emailed/mailed via XXXX a letter detailing the fraudulent transaction to CapitalOne. 
XX/XX/23 : CapitalOne denied the dispute and closed the case without details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
To Whom It May Concern, I trust this letter finds you well. I am writing to discuss important matters related to my rights and privacy under the Fair Credit Reporting Act, specifically 15 USC 1681.

Section 602 ( a ) of the Fair Credit Reporting Act emphasizes the need to ensure that consumer reporting agencies, such as XXXX, XXXX and Experian, carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I wish to assert my rights as a consumer to safeguard my private information, as reinforced by 15 USC 6801.

Under 15 USC 6801, it is the policy of Congress that financial institutions, including furnishers of information to credit agencies, have an affirmative and continuous obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. 

However, I would like to draw attention to Section 604 ( a ) ( 2 ) of 15 USC 1681, which stipulates that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the respective consumer. I have not provided written consent for XXXX, XXXX or Experian, or the furnisher of information to credit agencies, to share my information and I hereby revoke any previous consent, be it verbal, non-verbal, written, implied or otherwise. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution must inform the consumer of their right to exercise nondisclosure options. I was never informed of this right by the furnisher of information to credit agencies. 

Additionally, 15 USC 1681 ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account constitutes adverse information being reported without my permission, which is in violation of the law.

Furthermore, 15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ) states that information furnished to consumer reporting agencies must be accurate. I have reason to believe that the information being reported is inaccurate. 

Lastly, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports for specific purposes. XXXX, XXXX and Experian do not appear to be maintaining such reasonable procedures. 

Additionally, 12 CFR 1016.7 affirms that a consumer may exercise their right to opt out at any time. I am hereby exercising my right to opt out of your reporting services. 

I kindly request that you address these concerns promptly and take the necessary actions to rectify the violations of my rights as outlined in the Fair Credit Reporting Act. 

Sincerely, 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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AES/PHEAA
State: TX

Complaint narrative:
American Education Services has not been reporting my payments to my credit bureaus and it has impacted my credit sore significantly. I would like them to report the monthly payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX there was an unauthorized transaction for the amount of {$5000.00} transferred to an unknown account as well as on XXXX XXXX another unauthorized transfer transaction for the amount of {$1300.00} to an unknown account. I've been denied on my claim and I have proof to show the transaction was not me. Below I included photos to prove that this transaction was fraud due to the transaction showing the last 4 digits of the card that made the transaction. I was never issued a card with those numbers. I also included photos of the amount that was in my account on XXXX XXXX  and after sorting through my mail I see a letter from bank of America stating they are crediting my account for the amount that was already in my account to begin with which is dated a day later on XXXX XXXX. It does not seem to make sense for bank of America to send me a letter for crediting my account with the same amount of funds that i already had in my account. All of sudden 6 days later my funds are transferred to an unknown account with a card I was never issued. My card issued to me during the time of the fraudulent transaction last four digits are XXXX and the card doing this transaction the last four digits are 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 monetary relief
Consumer complaint received 2023-09-11 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account ( XXXX ) Has violated my Federally Protected Consumer rights to privacy code ( 15usc 1681 ) .They aren't in compliance with metro 2 credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account ( XXXX ) Has violated my Federally Protected Consumer rights to privacy code ( 15usc 1681 ) .They aren't in compliance with metro 2 credit reporting.

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 2023-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Have not reimbursed from false fees and freeze on deposit from class action lawsuit that were my account was effected by there negligence

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX, TransUnion Information Services, and XXXX XXXX XXXX has violated FCRA 15 U.S.Code 1681 c-2, by reporting accounts that are fraudulent on my credit report. I have provided each credit reporting agency with a copy of the FTC Identity form, with the accounts that are fraudulent. They are required by law to respond with their decision to rescind the block or block the information within 4 business days. It has been more than 4 business days since, the dispute. Please delete the fraudulent accounts that are reporting under my social. Failure to remove the information will result in a lawsuit against the companies.

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, and Equifax Information Services has violated FCRA 15 U.S.Code 1681 c-2, by reporting accounts that are fraudulent on my credit report. I have provided each credit reporting agency with a copy of the FTC Identity form, with the accounts that are fraudulent. They are required by law to respond with their decision to rescind the block or block the information within 4 business days. It has been more than 4 business days since, the dispute. Please delete the fraudulent accounts that are reporting under my social. Failure to remove the information will result in a lawsuit against the companies.

Company response to consumer: Closed with explanation