vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX  is not reporting accurate information, Transactions or experience are excluded from the information on consumer reports accordsing to Congress. Please remove this late payment to prevent future litigation. XXXX XXXX University accounts needs to be deleted immediately this account do not belong to me. According to the FCRA all information must be 100 % accurate. XXXX XXXX needs to be deleted this account is not reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: CA

Complaint narrative:
I called Equifax and spoke to the manager XXXX, Employee Number ( XXXX ), who said to file a report with the FTC to remove my inquiries. The employee was very rude and unprofessional. Gave them the law 16 CFR 313.1 and 15 USC 1681b and still wouldnt remove the inquiries after being notified. These laws which the CFPB has to enforce under 15 USC 6805 need to be handled. They are violating the law and getting away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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 2024-07-22 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: VA

Complaint narrative:
I contacted the 3 credit bureaus providing information of inaccurate information and asked them to provide me proof of the decision, which I never received I sent the certified letter on XX/XX/year>, and on XX/XX/year> it came back accurate again, this is very functioning I reached out to both credit companies asking for the ledger history and I was disrespected, XXXX XXXX Int expressed to me that they weren't sending me anything else out and if the move out wasn't to my liking that's my problem, and Rent debt express that they weren't going to dispute the account anymore and they don't have to provide a payment ledger and I can't afford to live and pay my rent which was very unacceptable, and by law, I can request a full payment history leger,15 USC 1692 ( c ) This is affecting my life mentally,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: PA

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' No financial Institutions, or Consumer reporting agencies XXXX, Transunion and XXXX, do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX XXXX Transunion, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, Transunion and XXXX, have never informed me of my right to exercise my nondisclosure option. XXXX, Transunion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-07-22 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: PA

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' No financial Institutions, or Consumer reporting agencies XXXX, XXXX and Experian, do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX and Experian, have never informed me of my right to exercise my nondisclosure option. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
I am fortunate to be a survivor of debt bondage, a form of XXXX XXXX XXXXhat coerced me into accumulating debts. Unfortunately, this has resulted in derogatory marks on my credit report. I am currently receiving invaluable assistance from a representative at the XXXX XXXX, an organization devoted to aiding XXXX  XXXX  survivors. Together, we are utilizing Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to remove adverse information related to XXXX  upon the filing of an official claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
The bank is reporting one late payment ( XXXX XXXX ) to all three major credit bureaus ; however, I'm trying to verify this information though their website and can not be possible due to the account is payoff/closed. The customer service phone number ( XXXX ) XXXX always has a waiting time of XXXX minutes or more to someone answer the phone and when someone finally answer the phone the response is that I will receive the information through email but I'm still waiting the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-22 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: CA

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: CBC Companies, Inc.
State: PA

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' No financial Institutions, or Consumer reporting agency, XXXX XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX, has never informed me of my right to exercise my nondisclosure option. XXXX XXXX has not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: IL

Complaint narrative:
In accordance with the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a bill, and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking as outlined in the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I respectfully request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have supplied my identification and the required documents from the list of acceptable items, as mandated by law. Additionally, I have included a victim determination letter as per 1022.142 ( b ) ( 6 ).

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 2024-07-22 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposited a check from my former employer XX/XX/year> through the ATM located at XXXX XXXX XXXX XXXX XXXX. I received notification that the funds would be " available XX/XX/year>. I then received another notification the funds would be available. I have made several call since Monday XX/XX/year> to receive the correct information on the available funds. I continued to receive transferring to various suspected fraud persons and or departments asking for my ATM PIN XX/XX/XXXX. I discontinued each call after each request for my ATM PIN. I did not receive help from XXXX who when transferred to, began reciting a scripted reply and did not want to hear the reason for my call but assumed I was calling regarding the " Shutdown '' of XXXX and various other entities. My employers heard me begging to be heard by XXXX as that was not the reason for my call. My issue was long before the " Shutdown. '' I decided to come in the Bank. In doing so I met with XXXX XXXX who showed me his computer which had a XXXX date of expired for the hold on said check from former employer. However, XXXX XXXX told me to, " Check before the XXXX as the funds might be there before the XXXX as I made a call to our back office but funds would definitely be available XX/XX/XXXX at XXXX. XXXX has come and gone, I have spoken again to XXXX XXXX and he stated, XXXX. XXXX has come and gone. The funds have not been available. I told XXXX XXXX could I receive accurate information as I feel I am being purposely misled. H did not dispute or refute my statement. It has become apparent that I may be targeted by The Bank of America due to reviews posted of previous experiences and would like a complaint to be taken and addressed without bias and or prejudice. To date and time the funds on my deposit have NOT been made available in any portion.

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 2024-07-22 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: TX

Complaint narrative:
I do not recognize the negative account appearing on 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 explanation
Consumer complaint received 2024-07-22 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:
Recently, I reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortgage and overall credit. From my understand that you will investigate the following account to ensure its accuracy. Here is the account that I am asking you to verify and validate : Account name : XXXX XXXXXXXX XXXX XXXX XXXX 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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
My information was disclosed/Shared to a third party without my permissible purpose or written/verbal consent! As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization that I, XXXX XXXX XXXX, XXXX have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY! 

My Financial information was shared with XXXX XXXX XXXX without My Consent. 
I do not want any of my financial information about my checking account shared with XXXX XXXX XXXX in anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX my account was placed on a hold and was set to be closed on XX/XX/XXXX. I spoke with a representative from my branch at US bank and they told me that they contacted the back office and they werent able to provide them with any information. I had a tax return deposited into my account in between XX/XX/XXXX - XX/XX/XXXX in the amount of {$4900.00}. They told me they couldnt release my funds to me because of the hold. I was told by the representative of my bank that it was a type XXXX hold and I should have access to my funds through a cashiers check but that never happened.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion Website is completely un-usable to get information or process information relating to my credit report and score. Unable to Free Credit Report. When trying to access Credit Report the page just spins and spins. Attempted to connect from multipe locations and multiple machines with no change. 

There is a high number of errors present on this credit report that do not exist on any other report. Including 30 Day late charges on accounts that had XXXX balances. Attempting to work with their support did not lead to any resolution.

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 2024-07-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, I recently looked at my credit report on Experian on XX/XX/XXXX. I saw some inquires that did not have permissible purpose. I also attached evidence below. 

1. ) XXXX XXXX XXXX- XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 usc 1681b. 
2. ) XXXX XXXX XXXX - XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 usc 1681b. 
3. ) XXXX XXXX XXXX - XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 usc 1681b. 
4. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) - XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 usc 1681b.

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 2024-07-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
Since XX/XX/year> i enrolled by mistake in the big Scammer company as i ever see in my life Freedom Debt Relief ( XXXX ), and they call me every single day to offer me consolidated my debts to save about a 50 %. Now when i revised my dedicated account after XXXX moths and made a deposit of {$15000.00}, and the remain balance of my debt enrolled of {$17000.00} in XXXX enrolled debts, and XXXX resolved for {$11000.00} with XXXX upcoming of {$4800.00} the number are different from the beginning offer with {$21.00} fees, then increased at {$31.00} but they hide to me the scam and charge me every settlement with a fees biggest of the amount they said as reduction to date of {$6200.00}. i m feel very upset how this delinquent and thief company cheat the people and stole very easy the fund to delay the process and XXXX the credit of the clients because of their deceive practices. the number are clear on the attached documents i want they close my dedicated account and reimburse to me all the marked settlement fees stolen total {$2100.00}, they cheat on me like a fool and never advised me about this scam, now my debt is bigger from the beginning so i want the government help me to resolve this fraud. Now i start receive collection letters from account since XXXX this company was not paid due to the funds they illegally stole from me. this company advertised as a federal program endorsed to catch and fish the people to scam them and XXXX up peoples credit. 
please need your assistant in this matter Thank you

Company response to consumer: Closed with explanation