vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've sent several letters to the credit bureaus asking them to update my current mailing address and to remove all outdated and or fraudulent mailing addresses from my consumer credit files. To date, they have refused to correct his information which has caused significant damage to my ability to maintain or obtain credit. I've also asked them to update my employment and remove my previous employer information from my credit file. As of this complaint they have not complied with the request to provide me with a 100 % accurate credit file as stated by the FCRA.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've sent several letters to the credit bureaus asking them to update my current mailing address and to remove all outdated and or fraudulent mailing addresses from my consumer credit files. To date, they have refused to correct his information which has caused significant damage to my ability to maintain or obtain credit. I've also asked them to update my employment and remove my previous employer information from my credit file. As of this complaint they have not complied with the request to provide me with a 100 % accurate credit file as stated by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-20 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-20 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-20 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-12-20 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: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: TX

Complaint narrative:
On or around XX/XX/XXXX I went online to make a payment as I have since signing the agreement on XX/XX/XXXX with Flagship Credit Acceptance but I could not log on. I continued trying to reset my password but was still unable to get in. On XX/XX/XXXX I called Flagship and the pre-recorded audio stated my account number had changed. I became alarmed and attempted to speak with the rep to turn off e-statements and have all correspondence sent via postal service as I then believed I must have missed the disclosures advising of upcoming changes. The rep claimed they had turned off e-statements and I would start getting paper statements but after three more phone calls, it still wasn't done. My complaint is that Flagship Credit Acceptance has violated the terms of the contract and therefore voided the contract. After speaking with two different reps today ( XX/XX/XXXX ) I was told several disturbing things. I was told that changes were made to the contract ( my account number was changed ), I was still not set up for paper statements, that I could not have access to the online portal because I was over 5 days past due, and that Flagship can make any changes they want and do not have to notify " every single customer ''. I believe Flagship Credit Acceptance has violated my rights as a consumer by not providing me with access to the account, making changes to the contract without my knowledge or consent, and preventing me from making payments online. After reviewing the contract there are no disclosures that were provided to me that allow Flagship to make changes to the contract without notifying me. A right of rescission letter was sent to Acceptance Now on XX/XX/XXXX that they did not respond to.

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 2023-12-20 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: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: NJ

Complaint narrative:
I have communicated with these companies on multiple occasions in regard to the accounts listed and I have been ignored, so I was informed that I should contact the CFPB to file a complaint that my right to privacy has been violated.

According to the Fair Credit Reporting Act, 15usc 1681 ( a ) ( 4 ) the consumer reporting agencies are to exercise their responsibility with fairness and respect a consumers right to privacy.

Pursuant 15usc 1681 ( b ) the consumer reporting agencies are required to adopt reasonable procedures to meet the needs of commerce for consumer credit, in a manner which is fair and equitable to the consumer, regarding confidentiality of information. Also, The Privacy Act of 1974, as amended, 5usc 552a prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.

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 2023-12-20 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: NJ

Complaint narrative:
I have communicated with these companies on multiple occasions in regard to the accounts listed and I have been ignored, so I was informed that I should contact the CFPB to file a complaint that my right to privacy has been violated. 
According to the Fair Credit Reporting Act, 15usc 1681 ( a ) ( 4 ) the consumer reporting agencies are to exercise their responsibility with fairness and respect a consumers right to privacy.

Pursuant 15usc 1681 ( b ) the consumer reporting agencies are required to adopt reasonable procedures to meet the needs of commerce for consumer credit, in a manner which is fair and equitable to the consumer, regarding confidentiality of information. Also, The Privacy Act of 1974, as amended, 5usc 552a prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've sent several letters to the credit bureaus asking them to update my current mailing address and to remove all outdated and or fraudulent mailing addresses from my consumer credit files. To date, they have refused to correct his information which has caused significant damage to my ability to maintain or obtain credit. I've also asked them to update my employment and remove my previous employer information from my credit file. As of this complaint they have not complied with the request to provide me with a 100 % accurate credit file as stated by the FCRA.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/XXXX I attempted to purchase a new cell service plan from XXXX XXXX which requires a credit check. I tried to unlock my Equifax credit report freeze myself on line but their site would not allow it and said to call them. I called Equifax and after XXXX minutes of working my way thru their misleading and confusing phone system and saying no to attempts to upsell me, an agent was reached. After being on hold for a XXXX minutes was assured that it was unlocked. However, it was not. This same routine was repeated multiple times each day on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. The conversations were also complicated by a language barrier. The employees did not speak XXXX that was clearly understandable. Twice during this period ( on XX/XX/XXXX & XX/XX/XXXX ) I managed to reach a higher level agent and each tried to get the credit report released. After being put on hold multiple times both said the freeze needed to be addressed by a technician. A promise was made by each agent to get it fixed by the next day then call and let me know. No calls were received and my credit report remains frozen as of XX/XX/XXXX at XXXX. This treatment is totally at odds with the service Equifax promises on their website. In effect they have stopped me from purchasing products I want and need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: FL

Complaint narrative:
Equifax refuses to delete unauthorized hard inquiries despite providing documentation. Contuinues to violate consumer 's right despite several communications submitted to Equifax. I have sent in an opportunity to cure already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: AK

Complaint narrative:
I called Ed Financial on XX/XX/XXXX to request a refund of payments I completed during the Pandemic. I paid {$13000.00} in XXXX XXXX and wanted a refund of this payment. Between XX/XX/XXXX and XX/XX/XXXX, I was told that check was issued already. In XXXX, XXXX there was an inquiry sent to Treasury concerning the check 's status. In XX/XX/XXXX, the check was canceled. A check was reissued in XX/XX/XXXX, however, but Ed Financial doesn't see any movement on that check. When I call Dept of Treasury, I'm told they do not see any payments being issue to me. I would like to apply for Student Loan Forgiveness since I am a XXXX XXXX worker, but I can not because I don't have a current Student loan balance. When I asked to speak with a supervisor at Ed Financial, I'm told there is no phone que to put me into for a supervisor and that a supervisor would not be able to tell me more than I've been told.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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.

Complaint narrative:
I have been informed that a hard credit inquiry was done by XXXX XXXX on XX/XX/2023. I did not do this or did not apply for credit or anything. I am afraid of an identity theft issue or some kind of 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 2023-12-20 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: PA

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, GA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax consumer report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

Dispute 2 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
Dispute 3 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

INQUIRIES : Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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:
XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

Dispute 2 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
Dispute 3 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I notified the company that is reporting this inaccurate information information that is not mine and the furnisher has not responded. I also contacted the credit reporting agencies reporting this information which is XXXX who sent me a response but it didn't mention anything about a verification, only that they would contact the company reporting this information and XXXX never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My ex along with a wells fargo rep opened a joint account and cashed my unemployment checks totaling XXXX XXXX dlrs I was in XXXX being held against my will and it took me about 3 months to escape when I got back came to find out what she had done so I filed for divorce it was not contested she didn't even go I filed all the paperwork required by the unemployment department and send copies to wells Fargo they never responded still today when I call they say there's nothing in the system but there has to be because unemployment has the cashed checks and also there another issue with a car I had for my ex her name was on there for the purpose of insurance and because she drove that car but I was the only one in charge of the finances including this car I had just gotten her her immigration papers so she didn't work at that time well they sent a check but I can't cash it there holding on to it i did get her to endorse the check and deposited via ATM well they eant me yo take her to the bank putting me in a bad position she is remarried and like I said we don't talk so I figured worst case scenario give me my half though she does not deserve it so if you can help I would really appreciate it all of this has gotten upset all over again and wells fargo determination to have me deal with my ex is unacceptable it's gotten me really upset having to relive those moments

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 2023-12-20 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:
I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with explanation