vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX -BALANCE {$430.00} Unauthorized inquiries XXXX XXXXXX/XX/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 XXXXXX/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 non-monetary relief
Consumer complaint received 2024-08-26 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX -BALANCE {$430.00} Unauthorized inquiries XXXX XXXXXX/XX/XXXX XXXXXXXX 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 XXXXXXXX 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 2024-08-26 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: I.C. System, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights of privacy and confidentiality under 15 USC 1681. XXXX. These list of accounts have violated my rights. 15 U.S.C 1681 section 602 ( a ) states that I have the right to privacy. 15 U.S.C 1681 section 604 ( a ) section 2, states a consumer reporting agency can not furnish an account without my written consent and instructions. 15 U.S.C 1681 ( C ) ( A ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 years. 15 U.S.C 1681 s-2 ( a ) ( 1 ) states that a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch
State: NY

Complaint narrative:
On Saturday XX/XX/XXXX, I responded to an advertisement through XXXX XXXX to lower the APR of my new car loan. The advertisement was for 5.45 % APR through Autopay, shortening the terms of the loan from 84 months to 60 months. This seemed like a great option to explore since even with a higher monthly payment I could save over XXXX in interest. I clicked on the offer after discussing with my wife, I filled out some basic information and was directed to what I thought was a credit app. Not 100 % sure yet and wanting to explore it further before committing to a credit pull I closed without completing the information. I was a little shocked to find they had performed a hard inquiry on my credit later that day. Annoyed but not totally dissatisfied I spoke to a representative from Autopay today XX/XX/XXXX. After providing more detailed information on my income, she then told me she would shop for lenders, I was annoyed to hear this as I thought Autopay was the lender. She then cam back with a best offer of 6.5 % APR. I asked if that could be improved, she said yes if we included my wifes income. I then asked what was the best offers she sees for the most well qualified applicants and she said nothing lower than 6 %. My first complaint is that the advisement was misleading, knowing that an offer below 6 % is highly unlikely and that they were not a lender but an agent. My second complaint is that they performed a hard pull of my credit report, without informing me and affecting my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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:
I have been a victim of idenity theft. My personal information has been used to obtain goods and services. I Contacted Equifax and told them that this inquiry are fradulent and provided proof, even though they told me that this inquiry were verified. Pleas dispute and remove this fradulent inquir from my credit report XXXX XXXX XXXX  XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am writing this letter as an immediate and urgent follow-up to my previous dispute, regarding the inaccurate and unverified information that continues to persist on my credit report. Despite my initial dispute, which was submitted in compliance with the Fair Credit Reporting Act ( FCRA ), these erroneous items remain unresolved and continue to harm my credit profile. This negligence is unacceptable.

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 2024-08-26 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: TX

Complaint narrative:
I contacted equifax, XXXX and XXXX XXXX telephone in the month of XX/XX/XXXX, the person who assisted me told me that the inquiries that I was requesting to be removed would be deleted from my report, but when I reviewed my Report weeks later they were still there. I decided to send a written letter first asking them to correct my personal information and then I sent a second written letter requesting that they delete the inquiries that had inaccurate and uncorroborated information that appears in my Credit Report, but they did not respond to me. These are the queries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/year>, the area which I live was impacted by hurricane XXXX, causing a natural disaster XXXX XXXX issued a moratorium for 90 days to any and all banks trying to issue foreclosures. My home was impacted by XXXX  XXXX, causing significant damage, which has left me unemployed and trying to pay for damages. I have explained and written letters of appeal to U.S. Bank mortgage company in regards to the natural disaster that impacted my home. I requested a forbearance and the bank is refusing to allow my home to be a disaster forbearance. I have tried communicating with this bank since XX/XX/XXXX, filling out all the necessary applications for loan assistance, and also filing an appeal against decision for a short sale. This bank has been playing games with me for the last several months. I fill out applications for loan assistance get all the information to them then they tell me that I have to fill out another application for Assistance. I have been going back-and-forth with this bank for over a month the disaster for XXXX that I am XXXX to under XXXX XXXX XXXX. Please help me get this resolved with U.S. Bank, who is highly unprofessional at this time and refuses to abide by the law that was issued by XXXX XXXX regarding a XXXX  for all homes affected by hurricane XXXX in XXXX XXXX, Texas

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 2024-08-26 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: FL

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 account listed without my expressed written consent.

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 2024-08-26 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: FL

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 account listed without my expressed written consent.

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 2024-08-26 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I XXXX XXXX have been dealing with Syncb/Amazon pertaining to a credit card account that is reporting incorrect/inaccurate information on my consumer credit report ( s ) across XXXX, XXXX & XXXX. This account was closed after XXXX and it is reporting late ( s ) for XX/XX/XXXX & XX/XX/XXXX 30 & 60 day consecutively when this account is XXXX balance and it is not even open. Additionally, there is a 30 day late in XX/XX/XXXX when this account wasn't even open then as well it was closed in XXXX. I spoke with the company representative ( s ) and they are unable to locate the account and on top of it I received a letter from this corporation on XX/XX/XXXX that said that the account is correctly reporting to the account ending in XXXX that they said is incorrect and not from them the representative on the phone said they do not recognize the tone and context of the letter. This is a very frustrating experience over the last 2 1/2 months dealing with this as not only is the creditor clueless to the details of the account they are reporting wrong information on my credit bureau which is severely hurting my credit for the worse. My score has dropped over 50 point ( s ) with the addition of these new wrong late ( s ) and the fact they told me they would look into this and remove these late ( s ) from XXXX, XXXX, XXXX & XXXX however, they can not find the account is frustrating and this financial institution holds on accountability. Reaching out to the CFPB is my last attempt to resolve this with the creditor as I am going to file a suit in my local court and litigate against the credit bureau ( s ) and the creditor as I have notified both of them about the violation ( s ) of their incorrect reporting in which they don't seem to care which has affected me financially and mentally. I am trying to acquire a home and this has severely dropped my score which has affected my personal relationship ( s ) and business relationship ( s ) with this wrong information contained on my consumer credit report.

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 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
CareCredit or otherwise known as XXXX XXXX  closed my account without giving a 45 days notice which I read was a violation of the Truth in Lending Act. I was making on time payments ( paying extra far in advance ) because they said that since I agreed on the terms and agreements that it can be closed to XXXX bounced payments that it automatically closes. The payments were done far in advance and I would pay daily since I get paid daily at my work, but the daily pay systems crashed unexpectedly. Once I could fix it the next day, I had called and had the payments stop until XXXX at my work was working again which took a week. CareCredit is refusing to do the right thing and fix this issue or let me talk to their corporate attorney.

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 2024-08-26 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: GA

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXXXXXX, XXXX {$740.00} XXXX, XXXX XXXX {$1000.00} XXXX, XXXX XXXXXXXX {$550.00} XXXX, XXXX {$1600.00} XXXXXXXX XXXX XXXXXXXX {$3200.00} XXXX, XXXX {$1700.00} XXXX, XXXX XXXXXXXX {$670.00}

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 non-monetary relief
Consumer complaint received 2024-08-26 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:
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 account listed without my expressed written consent.

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 2024-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/scrub>, 2024, application was submitted to Capital One XXXX, on my behalf, by XXXX FL, for an auto loan in the amount of {$52000.00}, as consideration and for my benefit, yet I have been unlawfully denied credit, which, according to the United States, I have an inalienable right to. I have full capacity to contract and anything else, prohibiting me from such freedom is constituted as unlawful discrimination, as I reserve my right under the Federal Equal Credit Opportunity Act and in good faith, exercise my rights under The Consumer Credit Protection Act. 
I am being directly effected by this violation of the Federal Reserve Act that states that XXXX XXXX notes, to be issued at the discretion of the XXXX XXXX XXXX XXXX XXXX Federal Reserve XXXX, for the purpose of making advances to XXXX XXXX XXXX, through the Federal reserve XXXX, as hereinafter set forth and for no other purpose, are hereby AUTHORIZED. Such application shall be accompanied with a tender, to the local Federal Reserve XXXX  of collateral, in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. MENTALLY, this is taking a toll on my XXXX. I am also being limited to working, due to lack of transportation. My right to choose is being impeded upon and damages are occurring due to this.

Company response to consumer: Closed with explanation