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 a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 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 non-monetary relief
Consumer complaint received 2024-08-21 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: TN

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-08-21 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: TN

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681section 6 o 2 states I have the right to privacy 15. USC1681section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 uscs 1666ba creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and Fcra 605 B 15 U.S.C. 1681 c-2 violations are being imposed on me. I have no knowledge about these accounts some are reporting same account with different account numbers and different name which is attached, also attach is FTC Identiy Theft report and all the false, fraudulent, and inaccuracies showing after so called verification and reinvestigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate and where removed from my creditreportby XXXX and XXXX due to attach proof of double accounts reported and inaccuracies. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; ( which reinvestigation has been done and still show several inaccuracies after so called being updated ) and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-08-22 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: FL

Complaint narrative:
Problem Description : XXXX XXXX has improperly reported or utilized my credit card utilization data in a way that negatively impacts my credit score, without proper notice or adherence to federal privacy regulations.

Legal Basis : 1. 16 CFR Part 313 ( Regulation P ) : Under 16 CFR Part 313, XXXX XXXX is required to protect the privacy of my financial information and must provide notice and an opportunity to opt out of sharing my information with third parties. I believe that XXXX XXXX has failed to comply with these privacy requirements in the handling and reporting of my credit card utilization data. 
2. 16 CFR 443.2 - Improper Use of Consumer Reports : According to 16 CFR 443.2, consumer reports must be used only for purposes allowed by law. If XXXX XXXX has used or reported my credit utilization data in ways that are not legally permissible or without my consent, this constitutes a violation of this regulation. 

Impact on You : The improper handling and reporting of my credit utilization data by XXXX XXXX has caused significant harm to my credit score, which has affected my ability to obtain new credit or favorable terms on existing 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 2024-08-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Problem Description : XXXX XXXX has improperly reported or utilized my credit card utilization data in a way that negatively impacts my credit score, without proper notice or adherence to federal privacy regulations. 

Legal Basis : 1. 16 CFR Part 313 ( Regulation P ) : Under 16 CFR Part 313, XXXX XXXX is required to protect the privacy of my financial information and must provide notice and an opportunity to opt out of sharing my information with third parties. I believe that XXXX XXXX has failed to comply with these privacy requirements in the handling and reporting of my credit card utilization data. 
2. 16 CFR 443.2 - Improper Use of Consumer Reports : According to 16 CFR 443.2, consumer reports must be used only for purposes allowed by law. If XXXX XXXX has used or reported my credit utilization data in ways that are not legally permissible or without my consent, this constitutes a violation of this regulation. 

Impact on You : The improper handling and reporting of my credit utilization data by XXXX XXXX has caused significant harm to my credit score, which has affected my ability to obtain new credit or favorable terms on existing credit.

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: FL

Complaint narrative:
Problem Description : XXXX XXXX has improperly reported or utilized my credit card utilization data in a way that negatively impacts my credit score, without proper notice or adherence to federal privacy regulations.

Legal Basis : 1. 16 CFR Part 313 ( Regulation P ) : Under 16 CFR Part 313, XXXX XXXX is required to protect the privacy of my financial information and must provide notice and an opportunity to opt out of sharing my information with third parties. I believe that XXXX XXXX has failed to comply with these privacy requirements in the handling and reporting of my credit card utilization data. 
2. 16 CFR 443.2 - Improper Use of Consumer Reports : According to 16 CFR 443.2, consumer reports must be used only for purposes allowed by law. If XXXX XXXX has used or reported my credit utilization data in ways that are not legally permissible or without my consent, this constitutes a violation of this regulation. 

Impact on You : The improper handling and reporting of my credit utilization data by XXXX XXXX has caused significant harm to my credit score, which has affected my ability to obtain new credit or favorable terms on existing 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 2024-08-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
'm still having an issue with other cards that were never activated. I've already filed a complaint with the www.bbb.gov claim id XXXX I purchased XXXX gift cards on XXXX, XXXX XXXX, from XXXX located at XXXX XXXX XXXX XXXX XXXX  XXXX each gift card was supposed to contain {$500.00}. I checked the balance on XX/XX/XXXX via the website and no balance is showing on any of my cards, the cashier assured me that each card loaded correctly, the cashier told me that they don't have any receipt paper and that no receipt was available. the cashier also had a problem scanning and loading the card, the cashier then went to the back to grab XXXX other cards and told me that the XXXX new cards are now active and ready for use. I was trying to pay my rent online with the XXXX gift cards that total {$4000.00}. I feel I was scammed by either the company vanillaa gift or incomm. the cards not even active after the cashier assured me. I need my cards loaded as of right now I am out of {$4000.00}. I live update New York and the location is in New Jersey about XXXX hours from me. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX at this point is tampering with the cards and the only thing I can think of is the cashier at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had a personal loan approved but the loan was never dispersed and now they charge interest and expect payments.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, this violated my rights under 15 USC 1681section 6 o 2 states I have the right to privacy 15. USC1681section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 uscs 1666ba creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, this violated my rights under 15 USC 1681section 6 o 2 states I have the right to privacy 15. USC1681section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 uscs 1666ba creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

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 2024-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint and Cease and Desist Request Equifaxs Continued Reporting and Third-Party Harassment Dear Consumer, Financial XXXX XXXX XXXX XXXX am writing to formally lodge a complaint against XXXX for their continued reporting of inaccurate information on my consumer report and their participation in unauthorized third-party communications. Despite my previous disputes and requests for them to cease, XXXX continues to report negative information related to an account with Chrysler Capital, which has been charged off and is under dispute. 

Details of the Issue : Date of First Delinquency : XX/XX/XXXX Account Comments : Charged Off Account Creditor : Chrysler Capital Credit Bureau XXXX XXXX XXXX : Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX 's ongoing reporting of this account constitutes harassment and unauthorized third-party communication. This behavior violates my rights as a consumer and is causing significant damage to my XXXX XXXX and financial standing. 

XXXX Requested : XXXX XXXX of XXXX : I request that XXXX be instructed to immediately cease all reporting related to this account on my consumer report across all media. This includes removing any negative marks associated with the account and ensuring no further information is reported until the dispute is fully resolved. 

XXXX of Further Communications : I request that the CFPB ensures no further communications occur concerning this account, either directly from the creditor or from XXXX. This includes phone calls, letters, emails, or any other form of communication. 

Correction of Credit Report : I request confirmation that the disputed account is marked correctly on my credit report, reflecting its disputed status. Additionally, I request that any inaccurate or unauthorized information be promptly corrected or removed. 

Written Confirmation of Actions Taken : I request written confirmation that XXXX has ceased all reporting and communication related to this account and that my credit report has been updated accordingly. 

Please consider this a formal complaint and request for immediate action to protect my rights and ensure compliance with all relevant laws. I trust that the CFPB will take the necessary steps to resolve this matter promptly. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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 need your support to address an incorrect account on my credit report. This issue has negatively impacted my reputation, and I require your help immediately. Your improper reporting has caused immense XXXX, and I need these mistakes corrected to ensure peace for 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
Consumer complaint received 2024-08-21 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: IL

Complaint narrative:
My account with this XXXX XXXX XXXX  with Account Number : XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE to be removed 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.

This company 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 rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: EdFinancial Services
State: SC

Complaint narrative:
XX/XX/XXXX they called me, I have received SEVERAL hard letters and emails telling me to pay a loan I DO NOT OWE! EdFinancial is making up the fact I owe a student loan. XXXX stated I am paid in full! Federal Student Aid said as of XX/XX/2007 I am PAID IN FULL! US Dept of Education stated I am PAID IN FULL! As of 2007. I have FILED SEVERAL complaints against EdFinancial yet they continue ye to harass me! PLEASE help me get rid of these people!

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been a victim of identity theft. My personal information has been used to obtain goods and services. I contacted Transuinon and told them that this inquirires are fradulent and provided proof, even though they told me that this inquirires were verifed Please dispute and remove this fradulent inquiries from my credit report XXXXXXXX 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 2024-08-22 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: GA

Complaint narrative:
XXXX XXXX XXXX violated 15 U.S. Code 1637b. It requires the creditor to provide a statement in the mail following the rules of 15 USC 1637b and I never received a statement with everything in that article of the 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 2024-08-22 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: GA

Complaint narrative:
XXXX XXXX XXXX violated 15 U.S. Code 1637b. It requires the creditor to provide a statement in the mail following the rules of 15 USC 1637b and I never received a statement with everything in that article of the 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