vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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:
In accordance with the Fair Credit Re

porting 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 explanation
Consumer complaint received 2024-09-09 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: MO

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-09-09 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-09 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: DC

Complaint narrative:
My account with XXXX XXXX was never late I have had an exceptional payment history with XXXX XXXX and all payments were placed on auto pay. These late payments that is reporting is as a result of a systematic error at the end of processing my payment this was clearly a billing error made by the company and its not a reflection of my payment experience which violates USC code 1681EB. 

This error has caused severe hardship to my reputation, my character, my mode of living and my family! I can't get approve for a home. 

I demand you delete payments reported in ( Months reporting late ) to be removed.

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

15 USC 160 B time to make payment a creditor may not treat a payment on a credit card account under an open and consumer credit plan as a late payment for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by the section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( credit name ) 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 to rule 1002 and it was never provided. 

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

Delete payments from my consumer reports.

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 2024-09-09 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: DC

Complaint narrative:
My account with XXXX XXXX was never late I have had an exceptional payment history with XXXX XXXX and all payments were placed on auto pay. These late payments that is reporting is as a result of a systematic error at the end of processing my payment this was clearly a billing error made by the company and its not a reflection of my payment experience which violates USC code 1681EB. 

This error has caused severe hardship to my reputation, my character, my mode of living and my family! I can't get approve for a home.

I demand you delete payments reported in ( Months reporting late ) to be removed.

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

15 USC 160 B time to make payment a creditor may not treat a payment on a credit card account under an open and consumer credit plan as a late payment for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by the section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( credit name ) 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 to rule 1002 and it was never provided. 

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

Delete payments from my consumer reports.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These errors you are reporting on my credit report is making my life miserable, I had sleepless nights, frustration and unnecessary stress it's taking a toll on my mental health, not just that but it negatively impacted my credit score which resulted to my new credit applications being denied when needed most.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC
State: GA

Complaint narrative:
I took out a loan for a XXXX XXXX XXXX XXXX XXXX. The loan amount was for 60 payments 5 years. I have paid the amount of the loan and interest. The company has added 19 more payments. In addition of paying 60 months worth of payments the company is still charging me and refuse to give me their Ein despite me asking each year for tax purposes. I am requesting that all payments be considered fair and good consideration under the provisions of the CARES ACT and that anything over 60 payments including an additional {$1000.00} be credited back to my XXXX XXXX Account and the title be sent to me immediately. FlagShip action are illegal in the extent of Violation of CARES, extortion, fraud and treason which all are punishable by law.

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 2024-09-09 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.
State: TX

Complaint narrative:
I have no relationship with the creditors shown and these inquiries do not belong to me.

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 2024-09-09 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: OK

Complaint narrative:
Hello, I recently tried to prequalify for the XXXX Care Credit card through synchrony bank. I filled out my information and got to the last part to submit it, next minute I knew it impacted my credit causing a hard inquiry.. I go back to synchrony to ensure I was on the prequalification application but I was stunned to notice that the prequalify link takes you to the actual application causing the had inquiry on my credit report. Clearly this is a mistake by the bank, and I ask them to remove the hard inquiry as it was meant to be prequalification. I have the video to prove the link is broken for that credit card, and that it works for another credit card on their webpage. This is highly unacceptable. I shouldn't need to be cautious of the links I press to ensure that they aren't going to run my credit.

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 2024-09-09 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:
XXXX XXXX  has been requesting my credit report from Trans Union 4 times a year for the past 3-4 years without my approval. There is no need for the bank to be doing this since I havent been a customer in about 4 years. I dont know what fraudulent information they are doing with my credit report but XXXX and Trans Union both were not able to help me and I want this stopped.

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 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Self Financial Inc.
State: MN

Complaint narrative:
While on a medical leave from my employer, someone used my credit card and debit card for well over {$4800.00}. There has been multiple attempts to resolve this however the company, Self Inc, would not reverse thus actions. Spoke to someone who calls himself XXXX, would not allow me to speak to a Leader to escalate this issue. This individual then asked me to send in documentation in regards to my medical leave and a list of all medications. This is concerning and violates HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The XXXX account was opened in XX/XX/scrub> 2024. I assumed it was for a line of credit. The company charged my checking account {$35.00}. The next payment will become due XXXX, XXXX, 2024. After further investigations into the company and found out that it was a credit building account, it was cancelled by me on XX/XX/scrub> 2024. The agreement was XXXX. As a result of this action : all associated or linked payment methods, and autopay will be turned off for this account. My account will be reported to the credit bureaus as closed during the next reporting cycle where applicable, I do not owe XXXX any further payments on this account and once an account has been closed, they will not be able to resume it at a later date. My account number was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The XXXX account was opened in XX/XX/year>2024. I assumed it was for a line of credit. The company charged my checking account {$35.00}. The next payment will become due XXXX, XXXX, 2024. After further investigations into the company and found out that it was a credit building account, it was cancelled by me on XX/XX/year>2024. The agreement was XXXX. As a result of this action : all associated or linked payment methods, and autopay will be turned off for this account. My account will be reported to the credit bureaus as closed during the next reporting cycle where applicable, I do not owe XXXX any further payments on this account and once an account has been closed, they will not be able to resume it at a later date. My account number was 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 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: PA

Complaint narrative:
1. Inaccurate Reporting The bank has reported inaccurate information regarding my account to credit reporting agencies. This misinformation has adversely affected my credit score and financial standing.

2. Misuse of Federal Reserve Loans I am concerned that [ Bank ] may be abusing loans obtained from the Federal Reserve. It appears that these funds are not being utilized in a manner consistent w ethical banking practices, particularly in relation to my account.

3. Abuse of Insurance Policy : The bank charged me while collecting on the insurance policy that was supposed to insure the alleged loan.

This practice appears to be an abuse of the insurance coverage and has resulted in additional financial burden on my part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is very frustrating. There are a lot of errors on my credit report, some even has missing information- my requests to correct these remain unaddressed which had detrimental effects on both my life and credit. My XXXX XXXX is really important to me and having incorrect information on it causes me stress and being rejected on my new credit applications.

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 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC
State: TX

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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.
State: FL

Complaint narrative:
I am writing to formally address serious concerns regarding the handling of my identity theft dispute with TransUnion. On XX/XX/scrub> 2024, I submitted a dispute to TransUnion, providing all required documentation, including a government-issued ID, proof of address, and an identity theft report, as outlined under the Fair Credit Reporting Act ( FCRA ). However, on XX/XX/year>2024, I received a response denying my request to block the fraudulent information on my credit report, claiming a lack of sufficient documentation.

This denial is not only unfounded but also constitutes a clear violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2, which establish the permissible purposes for the inclusion of information in consumer reports and mandate the blocking of information resulting from identity theft.

Specifically : 15 U.S. Code 1681b ( 2 ) prohibits the furnishing of consumer reports without a permissible purpose, and there is no permissible purpose for retaining fraudulent accounts on my report.

15 U.S. Code 1681c-2 explicitly requires credit reporting agencies to block information related to identity theft when proper documentation is provided, which I have already done.

Your failure to comply with these provisions opens the way for civil liability for both negligent and willful noncompliance under 15 U.S. Code 1681n. Under this statute, a victim of noncompliance is entitled to {$1000.00} per violation. The continued reporting of accounts that were fraudulently opened without my express written consent constitutes multiple violations, as these accounts remain on my report without my authorization.

This lack of action on TransUnions part has resulted in further damage to my financial well-being, and I am prepared to pursue all legal remedies available to me under the FCRA if this issue is not resolved promptly.

I am requesting the following immediate actions : Immediate blocking of the disputed items on my credit report, as they resulted from identity theft.

A written explanation as to why my request was denied despite my submission of all required documentation.

Compensation for the damages incurred as a result of TransUnions negligent and willful noncompliance with 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