vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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: LA

Complaint narrative:
late payment removal.

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 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: TX

Complaint narrative:
I've been a discover customer since XXXX. Every year they increase my interest rate on my credit card making it impossible to pay off. I started with a XXXX XXXX interest rate and now it's up to XXXX XXXX. I called them on XX/XX/XXXX and an automated system just told me they couldn't do anything about my rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: VA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
To whom it may concern, My name is XXXX XXXX. Im requesting assistance with getting this account resolved. I have been trying to speak with someone however Ive been getting the round around. 

During the pandemic XX/XX/XXXX, I received a letter from SANTANDER CONSUMER offering me an opportunity to settle my account for less than the amount owed. The agreed amount was {$1200.00}. I paid that amount on my XXXX ending in XXXX. It was posted to my account as XXXX XXXX on XX/XX/XXXX I contacted SANTANDER CONSUMER and I spoke with Rep XXXX on Tuesday XX/XX/XXXX. I advised him that I wanted to settled the account based on the letter I received. 

It was understood and recorded, I even spoke my name and authorized the payment to be debited for the purpose of settlement. 

After the payment was taken from my account, I waited for a receipt in the mail along with the letter stating my account had been settled based on then information of the Customer Service representative. 

It never came. I disputed on my credit report and the only thing happened was the amount updated. 

None of my credit reports are accurate regarding Santander, the payment and overall history is inaccurate. 

This account is affecting my livelihood. My employment is contingent on a clean credit file. I can NOT have this account reporting negatively or my employment is in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MD

Complaint narrative:
An account was opened in my name with Chime. I received a debit card in the mail and called to cancel on XX/XX/XXXX. The account had XXXX balance and was closed..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: NY

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX/XXXX  XXXXXXXX XXXX and opened on XX/XX/XXXX was late on XX/XX/XXXX and XX/XX/XXXX. I intended to remove my late payment from my credit. Also, I have an Inquiry with XXXX on XX/XX/XXXX and would like to be remove from my credit. In addition, to XXXX XXXX on XX/XX/XXXX. Moreover, XXXXXXXX XXXX XXXX Inquiry done on XX/XX/XXXX. Also, XXXX XXXX Inquiry done on XX/XX/XXXX. Finally, XXXX Inquiry done on XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-02-27 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: NY

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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : TBOM/ASPIRE XXXX $ and opened on XX/XX/XXXX was late on XX/XX/XXXX and XX/XX/XXXX. I intended to remove my late payment from my credit. Also, I have an Inquiry with XXXX on XX/XX/XXXX and would like to be remove from my credit. In addition, to XXXX XXXX on XX/XX/XXXX. Moreover, XXXXXXXX XXXX XXXXe Inquiry done on XX/XX/XXXX. Also, XXXX XXXX Inquiry done on XX/XX/XXXX. Finally, XXXX Inquiry done on XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 explanation
Consumer complaint received 2024-02-27 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:
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 Number:XXXX Account Name : XXXX  : Account NumberXXXX Account Name : XXXX XXXX  : Account NumberXXXX Account Name : XXXX XXXX  : Account NumberXXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number:XXXX Account Name : XXXX XXXX  : Account Number:XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account NameXXXX XXXX XXXX XXXX Account Number:XXXX Account Name XXXX UNKNOWN : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NH

Complaint narrative:
A company called Jefferson Capital based in XXXX  contacted me on XX/XX/XXXX via email stating that I owed {$750.00}. They also provided the following : As of XX/XX/XXXX you owed : {$750.00} Between XX/XX/XXXX and XX/XX/XXXX You were charged this amount in interest : {$0.00} You were charged this amount in fees : {$0.00} You paid or were credited this amount toward the debt : {$0.00} Total amount of the debt now : {$750.00} This company did not provide any documentation other than the above information regarding this debt even though I requested said documentation on XX/XX/XXXX when I disputed the claim. They recognized my dispute in a emailed response the same day almost immediately. They said I should send them documentation disputing the claim! I have none since I haven't used XXXX in many years! So, instead of clarifying anything they reported this to the credit bureau and brought my credit score down over 150 points. 

Furthermore, the dates do not make sense as my account with XXXX was closed in XXXX or possibly XXXX. At any rate, I was not contacted by XXXX regarding any outstanding debt in the many years since then. I understand that the statute of limitations for collecting on a written contract in XXXX  ( where I lived prior to XXXX ) is 4 years. In XXXX XXXX where I am currently located, it is 3 years. This has all occurred just as I am attempting to obtain new housing and need to have a good credit score which I have been working on maintaining for some time now. 

My primary concern, besides my damaged credit score, is that this company is unlawfully attempting to collect money from any number of individuals. Even if it is just a small amount of money it is a criminal act. J.C. did not provide an exact date and had no documentation so it is all very suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: MS

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-27 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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:
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 : XXXXXXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom this my concern, My name is XXXX XXXX and this is not a third party submitting this complaint.I am being taken advantage of by transunion, XXXX and XXXX. These three companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).

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 2024-02-27 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: PA

Complaint narrative:
To whom this my concern, My name is XXXX XXXX and this is not a third party submitting this complaint.I am being taken advantage of by XXXX, Equifax and XXXX. These three companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: NY

Complaint narrative:
On XX/XX/2024 I mailed letter to XXXX and XXXX in regards to my collection account with Fair collection and out. I informed them that not only was the debt not one that was accurate but the account was noted on my file incorrectly. I know according to U>S>C 1681 ( a. ) I all information must be accurate in order for it to be reported. also that the reporting agency must go above and beyond in order for it to stay on y report. I receive notice from transition and XXXX that the information was. verified as accurate. I realized they updated the responsibility from joint to Individual however this account was a joint account before I was harassed Illegally by Fair collections and out. this shows that either the investigation was done incorrectly or they deliberately left it on there which would be violation of chapter 15 in USC code.

I also do not owe this amount as in is inaccurate. I have filed a complaint against the company themselves because I was charged for full Rent for year when I was allowed to break lease because of bullets being shot through my window. I was afraid for my life and spoke with manager at the time she told me she would allow me to break lease without any penalty. the sad part is that when I moved they not only charged me full they added fees and kept my security deposit even though there was no damage to property besides the XXXX that was shot from issues in the area that had nothing to do with myself. with them illegally trying to collect an debt I would like this compnany investigated as they are already facing a lawsuit for fees and harassment.

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 2024-02-27 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:
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 NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally bought XXXX credit cards and went from charging me 6.5 % to now 23.24 %. I've been consistent on my payments and this is triple the amount I was paying before. This is a ridiculous interest rate that won't ever allow me to pay off my credit 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 explanation