vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was in the process of freezing all my credit bureau accounts due to the XXXX XXXX XXXX breech. This process went smoothly thanks to a XXXX account one of my credit cards gave me. XXXX and XXXX were easy to freeze, with online accounts to set up and monitor. Then came XXXX, which I am still quite unable to believe. They require you to mail in a letter with photos of your drivers license, utility bill, and social security number in full. I was thinking this looks like a scam in itself. Surely in XXXX  this major credit reporting company can not be dependent on people mailing in sensitive information to control their credit files. Please order Experian to update their credit monitoring consumer control system to the internet age or shut down! Thanks!

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: AL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Did not do an investigation at all. My social security number was breached. All the negative items need to be removed immediately. How can an account keep reporting charged off for XXXX, XXXX, etc? An account can only be charged off one time. This is clearly a violation.

Consumer Reporting Agencies said they get their bankruptcy from the court. I have proof stating the courts doesn't provide this information so this is fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Called Ally Bank on Friday, XX/XX/XXXX to attempt to merge my savings account with my fiance XXXX XXXX 's savings account. The Ally representative told us that we could not merge accounts ; however, we could add each other to one another 's accounts. We went with this solution. I also deposited a paper check from XXXX XXXX. 

On Monday. my fiance and I received separate calls from Ally 's Fraud Department concerning the activity over the last week. We both answered the questions and hoped everything would be resolved. 

My account has now been locked all week " pending '' investigation, and I have not been able to access any of my funds. I have groceries to buy, bills to pay, and a credit card payment has already failed to go through. 

When I reached out on Thursday, XX/XX/XXXX, I was informed that most everything is resolved but they were tying up some loose ends on the check that I deposited. When I asked for a timeline on when this would be resolved and I could receive access to my account again, the bank agent said that there was no timeline but it " should be soon. ''

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 2024-08-22 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: GA

Complaint narrative:
I never Authorize these inquiries to be pulled from my credit report and have asked all three credit bureaus to removed them, but they haven't. I requested it be removed XX/XX/XXXX. I dont recognize these lenders and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX  on XX/XX/XXXX Inquiry from XXXX  XXXXXXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on 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 non-monetary relief
Consumer complaint received 2024-08-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. The FTC Identity theft report was not made in error and is not of a material misrepresentation the mentioned accounts in the report fraudulent and due to identity theft.

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 2024-08-22 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: GA

Complaint narrative:
XXXX - XXXX - Opened XX/XX/XXXX - Shows 1 late payment for XX/XX/XXXX on all three credit bureaus - Dispute is regarding inaccurate information being reported for this tradeline. For each report, they each report a different closed date. XXXX confirms it was closed XX/XX/XXXX, when XXXX shows XX/XX/XXXX. They were each updated on different dates. Experian shows XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. Experian and XXXX report the same last payment date as XX/XX/XXXX when XXXX shows XX/XX/XXXX. XXXX reports the worst payment date as XXXX days when XXXX shows No Info. Inaccurate information request that the account be deleted but I request for the accounts to be updated and the late payment for XX/XX/XXXX as paid. I have never been late for this account. It also reports as a credit card, when it was in fact, a secured 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 non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was charged a {$29.00} late fee by XXXX XXXX for statement from XX/XX/year> to XX/XX/year>. The {$29.00} late fee charge was posted XX/XX/year>. This {$29.00} late fee charge is unreasonable and a scam because XXXX XXXX was doing an upgrade/maintenance where I was unable to log into my account that weekend from XX/XX/year> to XX/XX/year>. I tried paying through their automated phone system, but it kept prompting there was an error and to try back again. Finally, I was able to get through the automated phone system on XX/XX/year> and pay. However, I was already late because my due date was on XX/XX/year>. I tried calling their customer service line on XX/XX/year> and XX/XX/year>, both times I waited on the phone for over an XXXX XXXX XXXX minutes without answer or an option for them to call me back. I should not be charged a late fee when the company failed to provide adequate, reliable means for customers to pay their bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Several occasions, spanning between XX/XX/year>, I entered into consumer credit transactions with CHASE Auto, submitting credit applications with my social security number and autograph, creating value and a security interest as collateral security for the vehicle I desired and is my right to have. They accepted my security interest, but then discriminatorily denied me access to the account, due to a freeze on third party reporting agency websites that I have no contract or business with. The account was created and I have been denied consideration, due to unfair and unlawful use of a third party credit scoring system. They are in direct violation of the Federal Reserve Act, section 16:1-2, which states all notes are obligations of the United States and shall be receivable by ALL national and member banks and Federal reserve banks . They shall be redeemable in lawful money on demand at the Treasury Department of the United States. Any Federal Reserve Bank may make application to the local Federal Reserve for such amount of the Federal Reserve Notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender, to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve Notes thus applied for and ISSUED PURSUANT TO APPLICATION. The collateral thus offered shall be notes, drafts, etcThere is NO law REQUIRING me to be subject to or defined by a credit scoring system, nor a consumer report, to be able to access my own securities through any Federal Reserve Bank, National or Member Bank. 
CHASE BANK is actively committing securities fraud and are intentionally and knowingly keeping me from trading, although I have prepaid for the vehicle, thus says Federal Law and congress. I am extremely stressed about this whole experience. I have no way to make a living because of restriction of transportation. This has been very stressful and I have lost out on revenue due to this fraudulent activity on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: AL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
While I am ensuring my credit reports are reporting accurate information. I am seeing some inquiries that I do not recognize or have not made. I believe someone used my information to try to obtain credit. I was receiving many notifications about my information entering into many data breaches.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: EQUIFAX, INC.
State: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: MN

Complaint narrative:
I am filing a complaint against XXXX, XXXX, and TransUnion for violating my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Despite FERPAs protections under 20 USC 1232g ( b ), my student loans have been included in my credit report without my consent. Additionally, all charged-off accounts should be marked as " paid as agreed, '' as a charge-off is considered a certificate of indebtedness and should not be reported as an owed debt. The agencies have failed to comply with 15 USC 1681e, which mandates the maintenance of reasonable procedures for accuracy and privacy, as well as 15 USC 1681 section 602 ( a ), which emphasizes fairness, impartiality, and respect for consumer privacy. Furthermore, 15 USC 6801 reinforces this right by mandating that financial institutions respect the privacy of their customers. My Chapter 7 bankruptcy was reported without my authorization, in violation of 15 USC 1681 section 604 ( a ) ( 2 ) and 15 USC 6802 ( b ) ( c ), which require consumer consent and proper notification of nondisclosure options. I did not grant consent to any reporting by these agencies or the creditors mentioned, and I was not informed of my right to opt-out. I am formally opting out of all reporting services that disclose information to nonaffiliated third parties without my consent. Moving forward, I expect a privacy notice before any additional information is furnished on my consumer report. Immediate action is required : ( 1 ) cease and desist from reporting any information regarding my student loans or bankruptcy to any credit reporting agency, ( 2 ) correct all inaccuracies in my credit report and ensure that all charged-off accounts are marked as " paid as agreed, '' and ( 3 ) provide written confirmation of compliance with these demands within 15 days.

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 2024-08-22 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: MN

Complaint narrative:
I am filing a complaint against XXXX, Experian, and XXXX for violating my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Despite FERPAs protections under 20 USC 1232g ( b ), my student loans have been included in my credit report without my consent. Additionally, all charged-off accounts should be marked as " paid as agreed, '' as a charge-off is considered a certificate of indebtedness and should not be reported as an owed debt. The agencies have failed to comply with 15 USC 1681e, which mandates the maintenance of reasonable procedures for accuracy and privacy, as well as 15 USC 1681 section 602 ( a ), which emphasizes fairness, impartiality, and respect for consumer privacy. Furthermore, 15 USC 6801 reinforces this right by mandating that financial institutions respect the privacy of their customers. My Chapter 7 bankruptcy was reported without my authorization, in violation of 15 USC 1681 section 604 ( a ) ( 2 ) and 15 USC 6802 ( b ) ( c ), which require consumer consent and proper notification of nondisclosure options. I did not grant consent to any reporting by these agencies or the creditors mentioned, and I was not informed of my right to opt-out. I am formally opting out of all reporting services that disclose information to nonaffiliated third parties without my consent. Moving forward, I expect a privacy notice before any additional information is furnished on my consumer report. Immediate action is required : ( 1 ) cease and desist from reporting any information regarding my student loans or bankruptcy to any credit reporting agency, ( 2 ) correct all inaccuracies in my credit report and ensure that all charged-off accounts are marked as " paid as agreed, '' and ( 3 ) provide written confirmation of compliance with these demands within 15 days.

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 2024-08-22 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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/updated.

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.

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!

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 2024-08-22 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:
Im requesting your help with this incorrect account reflected on my credit report. Ive flagged this issue because its been detrimental to my reputation, and I need your assistance. The poor handling of my credit report has severely affected me, as this incorrect information has harmed my reputation. You must correct these mistakes so I can live peacefully with my family.

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