vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
XX/XX/year>. I noticed on my bank statement that they continue to take automatic payments out multiple times a month tried to ask for information when I called and they just want all my information again my Social Security number, my address everything that they supposedly already had to be able to do the transaction. I cant talk to nobody to get any other information because they want all my information to talk to somebody and Im not giving that out again because Im already having issues they have taken out Monthly payments 23 times month

Company response to consumer: Untimely response
Consumer complaint received 2024-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Reinsertion Request Due to FCRA Violation Dear TransUnion, I am writing to bring to your attention a matter regarding a recent reinsertion of negative information on my credit report, which I believe violates the provisions of the Fair Credit Reporting Act ( FCRA ). This letter serves as a formal request for investigation and correction of this issue. 

On XXXX XXXX.I noticed that [ description of the negative information, XXXX XXXX such as a previously removed account or derogatory remark ] was reinserted into my credit report. However, upon thorough review, I have reason to believe that this reinsertion violates the FCRA, specifically [ cite the relevant section of the FCRA, if applicable ]. 

According to the FCRA, consumer reporting agencies like TransUnion are required to follow strict procedures when reinserting previously deleted information onto a consumer 's credit report. These procedures include providing written notice to the consumer within five business days of the reinsertion, along with the name, address, and phone number of the furnisher of the information. Furthermore, the consumer must be given a description of the procedure to dispute the accuracy or completeness of the reinserted information. 

Unfortunately, I did not receive any such notice regarding the reinsertion of the aforementioned information. As a result, I was deprived of the opportunity to verify the accuracy of this information and to exercise my rights under the FCRA to dispute any inaccuracies. 

Therefore, I am requesting that TransUnion promptly investigate this matter and provide me with a written explanation of the reinsertion, including the date it occurred, the identity of the furnisher of the information, and the procedure to dispute the accuracy of the reinserted information. Additionally, I request that TransUnion remove the reinserted information from my credit report until such time as it can be verified as accurate and compliant with the FCRA. 

I expect your prompt attention to this matter and request that all communication regarding this issue be conducted in writing. You may contact me at the above address or via email to provide updates on the status of the investigation. 

Thank you for your prompt attention to this matter.

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 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Paypal Credit, literally charged an unexpected separate interest for {$8.00} on XX/XX/XXXX, for purchases. And never purchased anything this month. Furthermore, interest is combined in the monthly payment and not charged separately on the account. This is charging me interest twice over for next month payment in XXXX, and never had this issue before. My balance was at {$310.00} and this unexpected fraudulent interest has bumped my balance up to {$320.00}.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I got a copy of my TransUnion Credit Report just recently, and I noticed that an inquiry was made on XX/XX/2023 on the basis of " employment '' from a Company called : XXXX XXXX via XXXX XXXX XXXX ( address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). However, I did not authorize them to do this. I don't even know who this company is. I never gave any written permission for this company to access my credit report. Furthermore, I'm XXXX and haven't worked for over the last couple of years. So, for them to gain access to my credit report based on employment is completely false.

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 2024-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is NOT reporting my credit information. XXXX and XXXX is reporting all of my credit accounts as normal but TransUnion is the only bureau not doing so. I have attached a copy of my XXXX report as proof. I spoke with TransUnion earlier this week and they had an old address which I updated with them. The representative advised me that a supervisor would call me within XXXX hrs to fix my credit report but I never received a call. I was given a case # which is XXXX. The TransUnion rep said that my report had a error code : XXXX which he could not explain to me what that was. I need TransUnion to fix my credit reporting asap.

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 2024-03-21 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: LA

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 : Account XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I contacted Early Warning and requested to opt out and they denied my request stating that they do not fall under the FCRA rules and regulations. They would not provide a written denial to my request only a verbal denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
I did a balance transfer with Discover Financial Services. When I did the transfer, Discover approved same. A week later, Discover reported me to the credit ratings companies as being past my credit limit and my score dropped XXXX points to " poor ''. 
I called and XXXX XXXX From Ohio explained that when the transfer was approved, it was within my limit, but XXXX weeks later, Discover tacked on interest charges which put me past my limit without me knowing, being warned, nothing. 

Discover should extend credit that later on goes beyond the limit, and then report the customer and damage their credit. This will affect my interest rates and is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: OR

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2024 I got an email from XXXX XXXX  around XXXX about a $ XXXX transfer that was in process. I attempted to call them, but my phone did not have a dial tone, I assumed due to the XXXX XXXX XXXX. I used my fiancs phone, only to find out over $ XXXX was in the process of being transferred out of my account. I was able to visit my branch to stop the transactions, close the accounts, and I switched banks. I visited XXXX and found out I was a victim of a sim-card scam. I changed carriers, got a new telephone number, and phone. I attempted to check my Experian credit file and the individual changed my email address, my secret answer to the street I grew up on to " XXXX  '', opened a " XXXX Checking account on Experian, was issued a debit card in my name, put my XXXX XXXX  account XXXX on the fraudulent account to use for transfers, and had applied to over XXXX credit cards that were approved. I visited the local police dept to get a police report and supplied this to the Bank, Experian, and XXXX to supposedly launch an investigation. When they finally let me into my account, I called all the credit card companies to let them know the applications were fraud and they were closed. Since XX/XX/2024, I've made many calls to Experian and keep being transferred to different departments. A rep in the fraud department was able to assist me with changing my email address and password to my Experian account but said they will not allow me to update my telephone number or security question without talking to " membership ''. Membership said I have to wait 90 days to change my telephone number because I just closed their XXXX XXXX Account, the fraudulent account. Now, when I open the Experian account the two-factor code system sends a code to the telephone number that was hacked. Because of this, I am not able to turn the hacked telephone off and am paying two carriers. I called Experian today and was transferred to 5 different departments and all are saying I cant change the number for 90 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 2024-03-21 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: OR

Complaint narrative:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

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 2024-03-21 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: OR

Complaint narrative:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TomoCredit Inc.
State: PA

Complaint narrative:
Was charged XXXX a month for a credit builder membership since XXXX of XXXX, receiving notice from credit bureau that tomoboost account had been closed, my credit score dropped significantly yet I am still being charged and they keep beating around the XXXX and will not cancel my membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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 urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-03-21 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: EQUIFAX, INC.
State: MI

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 XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : 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 response to consumer: Closed with non-monetary relief