vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 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: NY

Complaint narrative:
Statement Regarding Unauthorized Sharing of Personal Information To Whom It May Concern, I am writing to address a concerning issue regarding the unauthorized sharing of my personal information by XXXXXXXX XXXX on my consumer report. This unauthorized sharing of information has come to my attention and raises serious concerns regarding the protection of my privacy rights and compliance with applicable laws and regulations. 

XXXX XXXX XXXX  actions in sharing my personal information on my consumer report without my authorization are in direct violation of several laws and regulations designed to safeguard consumer privacy and ensure fair credit reporting practices. Specifically, these actions may contravene the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), Consumer Financial Protection Bureau ( CFPB ) regulations, and potentially state privacy laws. 

The FCRA mandates the accuracy, fairness, and privacy of consumer credit reports, including the permissible purposes for accessing and sharing consumer information. The unauthorized sharing of my personal information by XXXXXXXX XXXX may violate the FCRA 's provisions related to permissible purposes and the accuracy of consumer reports. 

Similarly, the XXXX requires financial institutions to protect the privacy and security of customers ' nonpublic personal information. XXXXXXXX XXXX XXXX unauthorized sharing of my information may breach the XXXX 's privacy requirements and regulatory standards set forth by the CFPB. 

Additionally, state privacy laws may provide further protections for consumer privacy rights and impose additional requirements on the collection, use, and sharing of personal information. 

I demand immediate action to address this unauthorized sharing of my personal information by XXXX XXXX and to rectify any inaccuracies or violations of my privacy rights on my consumer report. Furthermore, I expect XXXXXXXX XXXX  to implement measures to prevent similar unauthorized sharing of personal information in the future and to comply fully with all applicable laws and regulations governing consumer privacy and fair credit reporting practices. 

Please provide confirmation once the necessary actions have been taken to address this matter and ensure the accuracy and privacy of my consumer report. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: NY

Complaint narrative:
Statement Regarding Unauthorized Sharing of Personal Information To Whom It May Concern, I am writing to address a concerning issue regarding the unauthorized sharing of my personal information by XXXXXXXX XXXX  on my consumer report. This unauthorized sharing of information has come to my attention and raises serious concerns regarding the protection of my privacy rights and compliance with applicable laws and regulations. 

XXXX XXXX XXXX actions in sharing my personal information on my consumer report without my authorization are in direct violation of several laws and regulations designed to safeguard consumer privacy and ensure fair credit reporting practices. Specifically, these actions may contravene the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), Consumer Financial Protection Bureau ( CFPB ) regulations, and potentially state privacy laws. 

The FCRA mandates the accuracy, fairness, and privacy of consumer credit reports, including the permissible purposes for accessing and sharing consumer information. The unauthorized sharing of my personal information by XXXXXXXX XXXX  may violate the FCRA 's provisions related to permissible purposes and the accuracy of consumer reports. 

Similarly, the XXXX requires financial institutions to protect the privacy and security of customers ' nonpublic personal information. XXXX XXXX XXXX unauthorized sharing of my information may breach the XXXX 's privacy requirements and regulatory standards set forth by the CFPB. 

Additionally, state privacy laws may provide further protections for consumer privacy rights and impose additional requirements on the collection, use, and sharing of personal information. 

I demand immediate action to address this unauthorized sharing of my personal information by XXXX XXXX and to rectify any inaccuracies or violations of my privacy rights on my consumer report. Furthermore, I expect XXXX XXXX to implement measures to prevent similar unauthorized sharing of personal information in the future and to comply fully with all applicable laws and regulations governing consumer privacy and fair credit reporting practices. 

Please provide confirmation once the necessary actions have been taken to address this matter and ensure the accuracy and privacy of my consumer report. 

Sincerely, 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Highline Automotive Inc.
State: PA

Complaint narrative:
I purchased a car on XXXX XXXX, XXXX the down payment was {$2500.00} which included the taxes and fees for the vehicle. I recently recieved a tax bill for the vehicle from the state and threatening to suspend my registration. the company has not paid the taxes regarding my purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX XXXX 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 2024-03-19 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: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
After XXXX XXXX in XXXX, Carrington Mortgage Company offered a forbearance for 90 days. I took advantage of this forbearance, allowing me to skip XX/XX/XXXX & XX/XX/XXXX payment, with the total amount of the forbearance due in XXXX of XXXX - and was paid in full by the due date. 

I have learned that those 3 months have been reported to the credit bureaus as late. I called Carrington today ( XX/XX/XXXX at XXXX XXXX EST. I asked them why it was reported as late when Carrington made the offer to me and I made all payments as agreed. Carrington confirmed that the information reported ( that my payments were late ) is accurate and they would not update the reporting. 

This is quite unfair- I was without power after XXXX for 17 days, and agreed to this over the telephone- I saw that they were held accountable for charging fees to make payments, so I'm hoping that Someone will hold them accountable for reporting late payments when they were all paid as agreed. 
Thank you for your help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: FL

Complaint narrative:
I am filing this complaint against Experian for the unwarranted removal of a positive credit account from my credit report. The account in question is my XXXX XXXX  XXXX account, which was paid in full. Despite its positive standing and full payment, Experian has mistakenly removed this account from my credit report, adversely affecting my credit score and financial profile. 

Here are the specifics of the situation : Account Name : XXXX XXXX XXXXXXXX ACCOUNT ENDING IN XXXX Status : Paid in Full Date of Removal : XX/XX/2024 I have concrete evidence, including official documentation from XXXX XXXX XXXXXXXX, confirming that this account was paid in full and should continue to be reported positively on my credit report. This documentation explicitly states that the account 's positive information should be accurately reflected in my credit history. 

The removal of this account by Experian is a significant error and a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). It has unjustifiably damaged my credit standing, potentially impacting my ability to obtain credit in the future. 

I have already disputed this action directly with Experian, requesting that they reinstate the account on my credit report to reflect its true and positive status. However, to ensure that this matter is resolved appropriately and to prevent similar issues in the future, I am bringing this to the attention of the Consumer Financial Protection Bureau. 

I am seeking the CFPBs assistance to compel Experian to : Immediately reinstate the XXXX XXXXXXXX XXXX account on my credit report as paid in full. 
Provide written confirmation of the reinstatement and any corrections made. 
Review and improve their processes for handling credit information to prevent such errors. 
The unwarranted removal of a positive, paid-in-full account from my credit report by Experian is a serious concern, and I believe it warrants prompt and thorough investigation by the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: IL

Complaint narrative:
National Service Bureau has called myself, my mom, my college roommate, my sister 's college roommate and my sister concerning a car jacking that my sister was the victim of back in XX/XX/year>. I believe it's a subrogation claim that they are seeking to recover from my sister for - although she was the victim. I have not called them back. However, they should not be phoning any family members, including our mother, for any claims or any sort, as my sister would be the target and not anyone else. We all received the exact same pre-recorded voicemail yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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 am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX. THD/CBNA ( Credit Grantor ) : Failure to update the status of the account following its transfer or sale to the debt collector. 
Persistently reporting a charged-off account without reflecting its transfer or sale. 
XXXX. XXXX XXXX XXXXXXXX XXXX. ( XXXX XXXX XXXX ) : Neglecting to report the debt on the credit file despite being actively engaged in collection endeavors. 
Unauthorized disclosure and use of personal information, potentially constituting fraudulent practices. 

Considering these violations, there are at least XXXX potential violations in total, XXXX attributed to THD/CBNA and XXXX attributed to XXXXXXXX XXXX XXXXXXXX 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My Bank sends me a Alert it says Credit & Identity Alerts View your alerts for credit report changes, use of your SSN with a different name or address, or dark web activity associated with your identity. 
Someone is using my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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