vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: NY

Complaint narrative:
I started the process of repairing my credit as it is important to me. I settled and closed the accounts that were listed on all XXXX credit reports. I also disputed any inaccurate information on all XXXX credit reports. I followed all instruction given to me by all XXXX credit bureaus. I called all XXXX credit bureaus to confirm that all information and payments were received, they sent me letters confirming that the paid/settled accounts were closed. I lowered the balance on all active credits cards and made sure they were all in good standing. I also registered with XXXX XXXX to make sure I monitor my credit report daily as instructed to do so. However, there has been XXXX change in my credit score, all XXXX credit bureaus are providing completely different information as well as credit karma. 
Example : XXXX site is stating my XXXX XXXX is XXXX, but Experian site is saying my transunion XXXX XXXX is XXXX. I pay a monthly fee to monitor these XXXX reports and I feel like no matter what I do or what instruction I follow or what monthly fee I pay, I am being scammed because I have yet to see any significant changes in my credit report & score. I am being given the run around and non of my questions answered, and if I want " more access '' its a different fee added. Now that I am complaining to them, all of a sudden I have no access to my accounts. This is exhausting and discouraging. I am trying to make things right with my credit and I am getting no where. I truly need assistance with this matter as I feel I am being scammed by all XXXX credit bureaus and 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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-10-04 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: IL

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

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 2024-10-04 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 believe that I am entitled to relief, for each XXXX ( XXXX XXXX XXXX ), minimum of { {$1000.00} } per violation and because their action caused adverse action as it pertains to employment and my way of life, I am punitive damages due to gross negligence. I have spoken to a number of Executive Office Case Specialists. This is also Breach of their privacy policy as the incorrect information was reported to XXXX XXXX XXXX XXXX XXXX ) consumer reporting agency and caused adverse effects. I would also like to file a complaint to EWS ( Early Warning Services ) for reporting incorrect information within my public profile. I have attached both adverse effect letters from the creditor. I ask that the CFPB XXXX a substantial fine against XXXX XXXX XXXX XXXX XXXX ) for having violated my rights- In accordance with the Fair Credit Reporting Act, have violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Penalties : Under the FCRA, there are potential penalties for violations, which can include : Actual Damages : Compensation for any actual damages suffered due to the unauthorized reporting. 

Statutory Damages : Under the FCRA, I may be entitled to statutory damages ranging from {$1000.00} for each unauthorized reporting instance.

Punitive Damages : If it is determined that the violation was willful, I may seek punitive damages, which are intended to deter such conduct in the future. 

I have attached all of the information that you all have been providing and this has caused loss of job opportunities and banking relationships due to your company 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: NY

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint to address an ongoing issue with rental screenings that has led to inaccurate rental scores, adversely impacting my ability to secure housing. I have faced repeated denials for rental applications, with repeated branding as a " risky renter '' due to these erroneous scores. 

The primary problem stems from third-party rental screening companies that use their own FICO Scores instead of the more relevant FICO Score XXXX, which is widely accepted by landlords in the evaluation process. This misrepresentation has unjustly impacted my perceived creditworthiness and has hindered my chances of obtaining suitable rental properties. 

Additionally, the situation has been exacerbated by tenant screening services such as XXXX and XXXX, both of which depend on their own flawed screening information. This reliance on inaccurate data further negatively impacts my rental applications. 

Furthermore, the combination of diminished rental scores reported by these screening companies, along with lower credit scores from XXXX, TransUnion, and XXXX as reported by XXXX and XXXX, has resulted in an overall decline in my credit standing. This situation has intensified the challenges I face in securing rental housing. 

I urge the CFPB to investigate this matter and take necessary actions to ensure more accurate rental screening practices are adopted, allowing fair access to housing for all renters. Thank you for your attention to this serious issue.

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 2024-10-04 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: World Acceptance Corporation
State: TX

Complaint narrative:
Subject : Request for Removal of Information from Credit Reports Account Number : N/A Dear WORLD FINANCE, I am writing to formally request the removal of my information from all credit reporting agencies in accordance with 15 U.S.C. 6801 and 15 U.S.C. 6802, which pertain to the protection of nonpublic personal information and its unauthorized dissemination.

Under 15 U.S.C. 6801, financial institutions such as WORLD FINANCE are obligated to safeguard the privacy of nonpublic personal information and to implement measures to protect such data. Furthermore, 15 U.S.C. 6802 requires financial institutions to provide customers with the ability to opt out of the sharing of their nonpublic personal information with non-affiliated third parties, such as credit reporting agencies.

I have not given my express consent for the sharing of my nonpublic personal information with credit reporting agencies, nor do I wish for this information to continue being shared. As such, I am exercising my right to opt out of any further information sharing under the provisions of 15 U.S.C. 6802. 

Please take the following actions immediately : Remove all instances of my personal and financial information from any and all credit reporting agencies to which you may have provided my data.

Cease any future sharing of my nonpublic personal information with credit reporting agencies or any other third-party entities without my express consent.

I expect confirmation that my request has been processed within 30 days of receipt of this letter. Failure to comply may result in further action, including filing a formal complaint with the Federal Trade Commission and/or pursuing legal remedies under the XXXX XXXX. 

Please send written confirmation of the removal of my information to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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:
Upon examining my credit report, I discovered a billing error. The late payment does not correspond with my typical payment behavior.

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 2024-10-04 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: MO

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX XXXX XXXX, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-10-04 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 on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX XXXX XXXX I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One Quicksilver is advertised as XXXX % cash back. However, when a promotional credit posted to my account for {$5.00} the amount of rewards deducted was {$0.00} which is XXXX %. This is greater than the rate that I earned rewards and is an unfair practice, likely due to rounding up which is in the company 's favor, not the consumer. 

Additionally, the {$5.00} promotional credit was from a merchant funded offer through the Capital One shopping offer page. It feels wrong that earning a reward for spending money at a sponsored merchant, which posts as a statement credit instead of a credit to my reward balance, results in my reward balance decreasing. These promotional credits should be applied in such a way that they do not negatively impact the overall reward balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
In XXXX, I was reached by individuals, acting on the behalf of and/or through the Internet-platform XXXX he individuals contacted me, explained to me and made me believe that their platform and its operator are completely licensed and qualified to trade regulated financial products and to provide financial advices for the benefit of an unlimited number of individuals. Being extremely pushy and aggressive in their approach towards me and exploiting the lack of special knowledge and skills on my side, these persons persuaded me that they are completely legitimate, which influenced also my decision to invest substantial amounts on their platform. At a later stage, my research shows that there have been published numerous warnings against said platform that clear evidence that the platform XXXX does not have a license to trade regulated financial products such as they advertise on their site. Deceiving me and promising substantial and rapid return of my investment, the unlicensed financial broker demanded from me to initiate series of payments within short period of time. I was deceived that these payments are for funding my segregated financial investment account, but no part of these transactions was ever used for financial trades. In consideration of the beneficiaries and the lack of financial brokerage license of XXXX it is impossible that the unlicensed brokers maintained segregated financial investment accounts of their clients. Therefore, we assume that all payments were laundered by the Merchant and I was put in deceit that I can really place trades and participate on regulated financial markets. For a certain period of time after an imaginary investment account, I had access to my account with XXXX After a while, my personal profile was closed without my consent, and all my attempts to get my funds back into my " investment '' account were unsuccessful. As a result of the interaction with the aggressive Merchant, I lost USD XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) paid in multiple transactions. The payments were initiated through my account with U.S. BANK. U.S. BANK never warned me about potential risks associated with those payments. I have tried to resolve the issue with U.S. BANK. On XXXX, a Letter of Demand claiming compensation was sent to the bank. As of today, the bank has not offered a compensation for the losses I have suffered. In the meantime, a complaint was filled to the XXXX XXXX  XXXX on 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 2024-10-04 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks 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 explanation
Consumer complaint received 2024-10-04 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: TX

Complaint narrative:
I have submitted XXXX separate requests to investigate discrepancies in my credit report, but I have not received any responses. Each request has involved expenses for time and postage, yet there has been no resolution or acknowledgment from the reporting agencies. This ongoing issue has caused significant inconvenience and financial burden without any progress towards a resolution. I urge the CFPB to look into these unaddressed requests and the lack of communication from the agencies involved.

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 2024-10-04 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 have submitted XXXX separate requests to investigate discrepancies in my credit report, but I have not received any responses. Each request has involved expenses for time and postage, yet there has been no resolution or acknowledgment from the reporting agencies. This ongoing issue has caused significant inconvenience and financial burden without any progress towards a resolution. I urge the CFPB to look into these unaddressed requests and the lack of communication from the agencies involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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