vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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.

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 2024-03-22 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: NC

Complaint narrative:
I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED TRANSUNION INACCUARATELY REPORTING LATE PAYMENTS FROM MY XXXX XXXX XXXX XXXX ACCOUNT. I CONTACTED TRANSUNION AND ADVISED THEM OF THE ERRORS. 

I HAVE REQUESTED PROPER VERFICATION TO VALIDATE THESE LATE PAYMENTS. 
ACCORDING TO THE FCRA, SPECIFICALLY REGARDING BILLING ERRORS 15 USC 1666B STATE, THE CREDITOR HAS TO SEND A STATEMENT 21 DAYS PRIOR, AND UNDER A OPEN END CONSUMER CREDIT PLAN A PAYMENT CAN NOT BE CONSIDERED LATE FOR ANY REASON. 

I HAVE REQUESTED PROOF, A COPY OF THE CREDITORS BANK RECORDS, OR PROPER PROCUDE TO ENSURE THE ACCURACY OF INFORMATION BEING FURNISHED TO MY ACCOUNT WHICH IS STATED IN 15 USC 1681 ( E ) B.

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 2024-03-22 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: AZ

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.

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 2024-03-22 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: GA

Complaint narrative:
Attached is a copy of identy theft report with the following fraudulent account and iquirys please remove immediately from my Experian credit report because it's against consumer law Fraudulent Experian account XXXX XXXX  XXXX Account # XXXX Ballance {$28000.00} Fraudulent Experian inquiry 's XXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX XXXX/XXXX/2023

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 2024-03-22 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: FL

Complaint narrative:
I checked my credit reports and I noticed an inaccurate late payment with my account. I do not recall being late on this account because I always pay my bills on time.

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 2024-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

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 2024-03-22 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: IL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and 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 2024-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2023 I opened XXXX XXXX XXXX, with a co-borrower with XXXX XXXX  to secure a brand new vehicle. XXXX XXXX XXXX purchase required a near $ XXXX down payment. On or about XX/XX/2023, the co-borrower who resides in XXXX requested the title be sent to them to transfer the title from XXXX XXXX XXXX, despite knowing that the vehicle was being picked up in XXXX and transferred to me and refinanced to me solely. They had also contacted XXXX XXXX on this refinance. On XX/XX/2023, XXXX XXXX XXXX was closed refinanced into XXXX XXXX XXXX, with me as the sole borrower. On XX/XX/2023, XXXX XXXX sent the hard copy title to co-borrower of XXXX XXXX XXXX. I was never made aware that this took place until XX/XX/2023, when I received a letter stating that my request for the title on my loan was honored but the title was never returned to XXXX XXXX. I called and explained I never received the titled and was told that I requested it on the previous loan. When investigating further I was told the previous co-borrower had made the request and it was sent to XXXX and I would need to retrieve it from them. I explained that given that my loan was closed on XX/XX/2023, the request should not have been honored from someone NOT on the loan and it violated the agreement that I have with XXXX XXXX that they have to secure my loan. I was told it was my problem. Since XXXX of 2023 I have gone back and forth with XXXX XXXX and obtained no help except to continue to make payments and have been unable to sell the vehicle which has a defect in the electrical system and is undriveable for months. I've asked to go into arbitration and have gotten no where with XXXX XXXX, I've gone to the GA XXXX XXXX and they explained to the person on the XXXX XXXX line that only a Title Bond can resolve if they can not obtain the original title or obtain a signature from the original co-borrower, however it is not something I can resolve since there is a lien, that the lienholder has to resolve it. I can not stop payment or my credit will be impacted and you can not speak to anyone directly in the collateral department at XXXX XXXX, and the people who say they're in XXXX won't read the notes, just get rude and tell you to figure it out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : 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 1681 ( 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 2024-03-22 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: AZ

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.

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 2024-03-22 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: AZ

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.

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 2024-03-22 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: NC

Complaint narrative:
Attached are my XXXX XXXX Copy B forms for XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX All three accounts will be updated to paid on time in full, as agreed upon immediately. The only address that should be listed on my credit report is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, All other addresses shall be removed they are not my address and are non-mailable addresses which is defined as mail fraud. See attached utility statement and XXXX I.D . Card for Identity and address verification. Lastly per 15 USC 1666B, 12 CRF 1026.13, and the CFPB Timing of Payments ; A Creditor may not treat any payment as late on an open-end credit plan account for any purpose ; meaning XXXX XXXX XXXX XXXX XXXX open-end plan account on my report shall be removed immediately you are in violation of the law. Furthermore, a write-off/charged-off is considered income and per the XXXX XXXX XXXX XXXX XXXX  ) website income can be reported on credit reports. XXXX XXXX XXXX and all other charge-offs are to be removed immediately.

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 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a purchase for a garden saw for {$99.00} at home depot in XXXX. On XXXX I received a notification that an account was made under my name with a random username. At that time I applied for a credit card, and I was given a paper card to use while in store. They said theyd mail me a card in a few days. The card was then mailed to me, however my entire neighborhood had their community mailbox broken into. The person that got my credit card spent almost a XXXX dollars, and I quickly confirmed on my phone that no those transactions were not mine. I quickly made a police report, and awaited follow up from XXXX XXXX. With that I also closed my credit account. After a few back and forth cases, they first determined it was me. However I am XXXX and only XXXX. There is no way security footage had me on the tape. They told me to send my drivers license as well as signature to their investigations. I did, but after a month they again determined it was me. I called customer support again, and they said to just pay the XXXX while they investigate ; I did that. They called back a month later saying I owed XXXX more dollars and that the charges were put back onto my account because they determined it was me. I told them to send me an explanation and details as well as evidence. They quickly said they would but still have not. Its been XXXX  months since that call. This has been happening/going on since the XX/XX/XXXX. It is now almost XX/XX/XXXX. I have sent them every detail. Now this is getting ridiculous, Ive opened XXXX cases with them.

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 2024-03-22 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: IL

Complaint narrative:
XXXX After reviewing my credit report access all XXXX credit bureaus, I noticed inaccuracies regarding this account. 
TransUnion and XXXX are reporting late for the months of XXXX and XXXX of XXXX while XXXX is reporting late for the months of XXXX and XXXX of XXXX. These inaccuracies are impacting my scores and is a violation of 15USC 1681.

15 usc 1681 code ( 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. 
These late payments being reported are also on violation of 15 U.S. Code 1666b 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 XXXX  days before the payment due date.

15 U.S. Code 1666b - Timing of payments The timing of required information is received past XXXX  day time frame. 
XXXX XXXX credit bureau By definition an open end consumer credit plan is XX/XX/XXXX Open-end credit is revolving credit that allows you to continually access money as you make payments and only pay interest on what you use.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX After reviewing my credit report access all XXXX credit bureaus, I noticed inaccuracies regarding this account. 
XXXX and XXXX are reporting late for the months of XXXX and XXXX of XXXX while XXXX is reporting late for the months of XXXX and XXXX of XXXX. These inaccuracies are impacting my scores and is a violation of XXXX XXXX. 

15 usc 1681 code ( 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. 

These late payments being reported are also on violation of 15 U.S. Code 1666b 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 XXXX  days before the payment due date. 
15 U.S. Code 1666b - Timing of payments The timing of required information is received past 21 day time frame.

Per Experian credit bureau By definition an open end consumer credit plan is XX/XX/XXXX Open-end credit is revolving credit that allows you to continually access money as you make payments and only pay interest on what you use.

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 2024-03-22 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: IL

Complaint narrative:
Multiple Errors Across All XXXX of My Consumer Reports for an Account XXXX 
Date Opened Can not Be Both XX/XX/XXXX AND XX/XX/XXXX. 

Date Last Active Can not Be XXXX Different Dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Date of Last Payment Can not Be Both XX/XX/XXXX AND XX/XX/XXXX. 

The Date of Last Payment is The Date of Last Activity. This Alone is a Severe Consumer Reporting Violation. 

No Balance Can Be Listed On A Charge Off Account. That's Double XXXX Violation. 

The Legend Account Status for this Account : Is Empty/Blank for TransUnion. 
Listed As CO repeatedly Every Month for the Past XXXX Years on My Experian Consumer Report. 
Listed as XXXX on XXXX XXXX XXXX Report repeatedly every month for the XXXX XXXX years. 

I have XXXX XXXX of How Many Violations and Errors appear throughout my consumer reports. TransUnion, XXXX and XXXX have all Numerous Consumer Reporting Violations, Errors, and Misrepresentations of my consumer reports. 
This continues to cause severe harm to my consumer reports and Violates My Rights.

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 2024-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
A hard inquiry appeared on XXXX credit report and was blocked on another credit report which was already frozen. The inquiry was made by Capital one with my contact information. I have open accounts with Capital one, but had not applied for any new accounts. Capital one did not tell me what information was used on the new application under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
As a federally protected consumer and an investor I have requested to opt out of any and all authorization I the consumer may have given JPMCB, written, verbal and non verbal per 15USC6802. 
15 USC 6802 ( b ) also is a prevision of the GRAMM-LEACH-BLILEY ACT XXXX GLBA XXXX that give customers the right to prevent financial institutions from disclosing their nonpublic personal information to nonaffiliate third parties. financial institutions must provide customers with their information sharing policies and a choice to opt out. 
Per 15 USC 6801 ( b ) It is in the policy of the congress that each financial institution has an affirmative and continuing obligation to protect the security and confidentiality of those customers nonpublic personal information. Non public personal information by definition is ( Identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer or otherwise obtained by the financial institution. 

I have given JPMCB written and verbal instructions as to my right and demands to opt out of any and all reporting to my credit profile but they continue to do so.

Company response to consumer: Closed with explanation