vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 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: GA

Complaint narrative:
TRANSUNION is illegal reporting charge-off/collection accounts on my credit report. These said accounts are considered a certificate of indebtedness and therefore deemed income, per IRS Publication 4681. Erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and The Privacy Act of 1974. Charge-offs/collections are considered as income per IRS Publication 4681 and should not be included in consumer reports, as explicitly mandated by federal regulations. However, Transunion has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. Despite my attempts to rectify this issue directly with Transunion by disputing the inaccurate information on my consumer report, the erroneous reporting has not been rectified. This continued misreporting has substantially hindered my ability to access credit and financial opportunities. Furthermore, Transunion 's actions violate several federal statutes. Moreover, it directly contravenes federal laws aimed at protecting consumer privacy and ensuring fair and accurate credit reporting. I respectfully request the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Transunion for their egregious violations of federal statutes. Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by above actions. Thank you for your attention to this matter. I eagerly await your prompt response and resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report due to my status as a victim of a recent data breach and identity theft. This incident has led to unauthorized accounts, which have adversely affected my credit standing. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), I am entitled to request the blocking of fraudulent information related to identity theft. Additionally, the re-insertion of any previously deleted fraudulent accounts constitutes a violation of the FCRA.

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 2024-11-17 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: NY

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Bureaus investigate this account for me to ensure accuracy. Here is the ** i am asking you to verify as accurate 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 2024-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
A debt collector reached out to me saying I owe XXXX in collections. It was took into my surprise on why that amount was that high. I was told that I owe past due rent & broken items in the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
Sunday, XX/XX/XXXX my car was repossessed exeter finance never gave me notice or a deadline that a third party was comming to repo my car. There wasnt even a knock at my door Exeter finance never even told me where my car was I still have my baby and all my stuff in my car even my money. Congress even states under consumer law 15 U.S. Code 1692f ( a ) states there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ( c ) the property is exempt by law from such dispossession or disablement. 15 U.S. Code 6802 a financial institution may not disclose no public personal information to a non affiliated third party. Such financial institution clearly and consciously discloses to the consumer, in writing or electronic form or other form permitted by the regulations prescribed that such information may be disclosed to such third party ; the consumer is giving the opportunity, before the time such information is initially disclosed, to direct that such information not to be disclosed to such third party. ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. All of this information is under L.I.I. Legal information institute writing by congress. I really feel violated that Exeter finance use unfair practices on me that was illegal l.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XXXX XXXX & XXXX XXXX several inquiries were put on my credit report that I dont recognize.

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 2024-11-17 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: WA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-11-17 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: WA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Name : XXXX XXXX XXXX XXXX  Date of XXXX SSN : XXXX Type : State Identification ( Texas ) ID Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Early Warning Services , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request.

Thank you for your assistance. 
Sincerely, Name : XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: IN

Complaint narrative:
By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXXXXXX 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 XXXXXXXX, Account XXXX XXXX 15 U.S.C. 1681 Section 602 A :. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an 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 and 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. 1681 1681 s-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 2024-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
on XX/XX/year> I was contacted via messages by a personal friend to borrow money. Her accounts were frozen and she asked me to send it to another person via XXXX thru Citizens Bank. I was told several times that the transactions failed. Trying to help a lifelong friend, I sent $ $ until I had reached the XXXX transaction daily limit. {$3500.00} later XXXX and Citizens verified that the $ $ went thru and the scammer had in fact received the money. Neither Citizens or XXXX would take any action to help me recover. 
my personal friend is devastated and broke. I am a XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Can you help me recover my money? 
Can you find this low life and put her in jail? I have saved the text messages involved, but do not know how to send them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Ive been a loyal Bank of America customer for a few years now, and have received absolutely no help filing my first dispute ever with them. All of the charges added up to be {$6200.00} without me receiving any notifications to my phone being alerted of fraud. These transactions were also international, thats what the person told me when I was filing the dispute online. They told me I would even be issued provisional credit within 10 days and I didnt even receive that. Three weeks later I receive a letter in the mail instead saying my claim has been denied and that according to my account history I made these charges, even though this is my first ever dispute with Bank of America. They wouldnt even give me proof of the merchants evidence for their decision and keep telling me its nothing more they can do. I feel very screwed and betrayed right now because this is a lot of money for me to be losing to random international merchants that compromised my card information and to see my own bank that I have been loyal to not attempt to help me. I have never left the United States in my life and dont even have a passport for all of these international charges from so many different merchants that I have even tried googling and cant find. Some type of scam is being ran on my card and I really need this claim re opened and figured out because I do not deserve this. And I didnt even receive provisional credit an entire month after this claim which makes me think they had no intentions of actually looking into it. My claim number is XXXX. My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>, social security number is XXXX. I beg for your a better resolution. And I have also attached some screenshots from my banking statement of these charges where you can see its being charged international fees.

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 2024-11-17 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: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING ......

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hi my name is XXXX XXXX. 

I am writing to formally request the removal of a duplicate credit inquiry from my credit history. Upon reviewing my credit report, I noticed that a credit inquiry was made twice in error by company Synchrony Financial. This duplication is negatively impacting my credit score. 

I believe this was a mistake, and I kindly ask that you investigate this matter and have the second, duplicate inquiry removed from my credit history. This action would help ensure that my credit report reflects accurate and fair information. 

Below are the details of the inquiries : Bank Synchrony Financial Hard Inquiry XXXX : XX/XX/year> Hard Inquiry XXXX : XX/XX/year> Hard Inquiry XXXX XX/XX/year>XXXX XXXX XXXX XXXX Hard Inquiry XXXX XX/XX/year> Hard Inquiry XXXX XX/XX/year> Hard Inquiry XXXX XX/XX/year> My full name : XXXX XXXX My date XXXX XXXX : XXXX The last four digits of my XXXX XXXX I appreciate your prompt attention to this matter and look forward to hearing from you soon. Please let me know if you require any further information or documentation to resolve this issue. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: NC

Complaint narrative:
This complaint is against the credit bureau company 's ; Transunion, XXXX and XXXX. The information they give for your credit scores is ridiculous and contradicting. One will say my score is this, then the other we show a different score. I've been working on my credit for a year and can't get anywhere. One shows that my score dropped over XXXX points because my credit usage went up 2 %, how is that even legal. Seems as if they pick and choose who they want to have good and bad credit. The whole system is a money scandal and a fraud.

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 2024-11-17 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: TN

Complaint narrative:
Company was previously contacted under 2 separate CFPB reports. Company is again reporting inaccurate information. Payment due date was XX/XX/XXXX, payment was linked XX/XX/XXXX and taken by company XX/XX/XXXX. Their action continues to effect my credit score and not allowing me to establish and build my credit accurately. 

last CFPB reports 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 2024-11-17 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: TN

Complaint narrative:
Company was previously contacted under 2 separate CFPB reports. Company is again reporting inaccurate information. Payment due date was XX/XX/XXXX, payment was linked XX/XX/XXXX and taken by company XX/XX/XXXX. Their action continues to effect my credit score and not allowing me to establish and build my credit accurately. 

last CFPB reports XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: TN

Complaint narrative:
Company was previously contacted under 2 separate CFPB reports. Company is again reporting inaccurate information. Payment due date was XX/XX/XXXX, payment was linked XX/XX/XXXX and taken by company XX/XX/XXXX. Their action continues to effect my credit score and not allowing me to establish and build my credit accurately. 

last CFPB reports 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 2024-11-17 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Summary of Request for Deletion of Accounts Nos. XXXX and XXXX and Compensation for Violations I am requesting the immediate deletion of accounts XXXX and XXXX from my credit reports due to violations of several federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and the Privacy Act of 1974. These violations have caused significant harm, and I am seeking compensation for the damages incurred. Specifically : XXXX. Insufficient Debt Validation : The debt collector has failed to provide the necessary documentation as required under the FDCPA, including original signed contracts. This failure to validate the debt appropriately has caused significant stress and harm to my credit.

2. FCRA Violations and Willful Non-Compliance : Reporting time-barred debts and failing to correct inaccuracies as required under the FCRA constitutes willful non-compliance, which could lead to statutory damages for each instance of non-compliance.

3. Breach of Privacy Protections : The continued reporting of my personal information despite my opt-out request under the GLBA and Privacy Act is a breach of my privacy rights, further damaging my financial standing.

4. FTC Compliance : Non-compliance with FTC regulations governing accurate reporting and consumer privacy exposes the debt collector to regulatory scrutiny and potential penalties.

Company response to consumer: Closed with explanation