vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: WA

Complaint narrative:
Union Bank Credit Card Fraud Department is 100 % in violation of Federal Banking Regulations to delay Fraud Claim filing process and REFUNDS up to over 30 days or XXXX months delays, as they have merged newly with XXXXXXXX XXXX 

Because of their merge, they fell behind on Claims. I worked with XXXX XXXX bank and I am fully trained and aware of Federal Banking Regulations. I had to call daily XXXX  times a day for over XXXX weeks BEFORE they would even finally not drop calls. Not XXXX call was returned by Fraud department in over 27 days. I also note that I worked under a STATE LICENSED INVESTIGATOR, XXXX XXXX for over 7 years in an Apprenticeship and worked with DA/Attorney and our specialty is FRAUD. 

XXXX have an Online Auction website and there is a PHONY COPYCAT website that is online and I did not notice till too late as it looks exactly like the XXXX website. I received an EMAIL to confirm from the XXXXpartner that is it a phony fraud website and it is not their website and many have contacted them about the phony site. 

UNION BANK CREDIT CARD DIVISION IS NEGLIGENT UNDER FEDERAL LAWS TO REFUSE TO PROPERLY PROCESS REFUNDS FROM FELONY FRAUD CASES. 

Phone Number : XXXX Dept Head : XXXX - refuses to process/no call backs Fraud Dept - no calls backs - will not take evidence emails Agents stated it will be over 30 days or more before funds from Felony Fraud are refunded if not more as " the Fraud Department is too far behind '' ....

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 monetary relief
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my Equifax consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
According to the CFPB In XX/XX/XXXX, the bureau ( Consumer Financial Protection Bureau ) found that between XX/XX/XXXX and XX/XX/XXXX Santander violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to CRAs that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete ; failing to provide the date of first delinquency on certain delinquent or charged-off accounts ; and failing to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to CRAs. 

I have disputed the information on my consumer report with XXXX, XXXX, and XXXX on multiple occasions : XX/XX/XXXX, XXXX XXXXDuring those disputes, I pointed out inaccurate information along with the variation of reporting across the CRAs. The information has continuously been verified or falsely updated by Santander. 

My most recently dispute in XX/XX/XXXX was accompanied with physical proof that was provided by XXXX XXXX ( who brought the account after being charged off ) along with highlighting of FCRA ( Duty of Furnishers ) violations being committed but still the information was updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
my current mortgage servicer XXXX XXXX XXXX XXXX XXXX reported misinformation on my credit report. they reported on my credit report that i was 90 days late on my mortgage payments, while they fail to accurately specify which month i was late. Ive spoken with them on the phone XXXX, even tried to fix the issue with their dispute department to no avail. 
XXXX XXXX have ruined my credit score, making impossible to me to acquire a mortgage at this time or get credit. any resolution in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
2nd Complaint For Filing a Lawsuit against TransUnion! There is a XXXXDay late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. TransUnion and XXXX XXXX XXXX XXXX, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are repeatedly reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer Report. Thanking you in advance for your cooperation.

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
2nd Complaint For Filing a XXXX against TransUnion! There is a XXXX late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. TransUnion and XXXX XXXX XXXX XXXX, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are repeatedly reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the XXXX XXXX XXXX XXXX XXXX of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my XXXX Report. Thanking you in advance for your cooperation.

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Back in XX/XX/XXXX, I disputed an account from XXXX ( Account XXXX XXXX ) who are reporting to TransUnion, XXXX, and XXXX. I claimed the account was being reported as inaccurate and incomplete and after 30 TransUnion, XXXX, and XXXX sent a reply back stating they investigated and claimed the account is verified. Over a few months I received credit reports from the original creditor, annual credit report, and XXXX. Each of them shows that this account is still being reported as inaccurate, incomplete, and mismatching information between the three Credit Bureaus. Ive listed all the inaccuracies and mismatches TransUnion continues to report. I've also attached supporting documents. 

Reports account closed on XX/XX/XXXX on lender and disclosure credit report o XXXX reports XX/XX/XXXX o XXXX Missing info Reports Charged off date before account closed date o Reported Charged off date XX/XX/XXXX o Reported Date Closed XX/XX/XXXX Charge off date doesnt match with XXXX o Reported Charged off date XX/XX/XXXX o XXXX reports Charge off date on XX/XX/XXXX Payment history for XX/XX/XXXX XXXX match with XXXX o Reports 60 days late o XXXX reports Charged off Payment history for XX/XX/XXXX doesnt match with XXXX o Reports 30 days late o XXXX reports 60 days late Date of last activity does not match XXXX and XXXX o Reports XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX From the evidence above, TransUnion, XXXX , and XXXX can not be verified as accurate therefore TransUnion is in violation of 15 U.S. Code 1681e ( b ), which they are not assuring maximum possible accuracy of the information.

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I have XXXX payment late on my citi bank account but it is marked inaccurate for the month of XX/XX/2022. The different companies are reporting different outcomes for that month can you investigate this discrepancy thank you 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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
They the person known as Experian is willfully and deliberately reporting an account as charged off when they are fully aware that the account was paid in full back in XXXX of this year. I have asked them to correct this fraudulent and inaccurate status and they have refused to. They are also reporting XXXX different dates of last payment.

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DynaGen Lending, LLC
State: CO

Complaint narrative:
I'm trying to sell my house and buy a new house to move. I've been looking for lenders for mortgage. Once I did hard pull with one lender, I've got to hear from this broker, XXXX XXXX ( aka XXXX XXXX ) from XXXX XXXX. He presented himself as a broker and I've got the estimate loan from him with the company called, XXXX XXXX under name with XXXX XXXX. 

XXXX and I have been communicating for getting lower rate, and since other lender was telling me that they can match the rate with XXXX 's once XXXX can lock the rate. 

I've checked with many lenders about estimates. I made sure they only do soft pull my credit and they always asked me before they proceed it. I denied when I didn't want to. 

XXXX gave me estimate loan as pre approval. And I asked him I only want soft pull for now. and he said it wasn't hard pulled for this pre approval. 

I bought a house once with my husband which I'm in process to sell. But mostly my husband proceed process with the realtor at that time so I would say this the first time I'm buying for myself and first experience buying a house because we are divorcing after this. 

Since I was notified from all other lenders for hard inquiry, I expected XXXX will let me know before he does. I asked XXXX if we can lock the rate since the other lender was asking if we can do. He only said yes!! He didn't inform me AT ALL!! about from now on XXXX needs to hard pull my credit or else. I already spoke with him that I'm not ready for hard pull inquiry until I make my mind. 

XX/XX/23, In the morning I realized my credit was pulled, XXXX credit report. When I spoke with XXXX afternoon, He did not tell me he did hard pull until I asked. He ONLY said, I asked for lock in rate and that means I gave him a permission to hard pull my credit. I said, I did NOT know locking in rate means I'm automatically giving you my permission to do so, and I already told you I'm being careful about being pulled! and XXXX accepted he didn't ask for my permission, and ASSUMED I asked for hard pulled. 

ALL LENDER MUST INFORM ALL OTHER BORROWERS BEFORE THEY PROCEED HARD INQUIRY, and I wasn't asked for my permission and I DID NOT GIVE XXXX PERMISSION and I even found out myself and had to ask if XXXX did!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the CFPB In XX/XX/XXXX, the bureau ( Consumer Financial Protection Bureau ) found that between XX/XX/XXXX and XX/XX/XXXX XXXX violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to XXXX that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete ; failing to provide the date of first delinquency on certain delinquent or charged-off accounts ; and failing to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to XXXX. 

I have disputed the information on my consumer report with XXXX, XXXX, and Transunion on multiple occasions : XX/XX/XXXX, XXXX XXXXDuring those disputes, I pointed out inaccurate information along with the variation of reporting across the CRAs. The information has continuously been verified or falsely updated by XXXX. 

My most recently dispute in XX/XX/XXXX was accompanied with physical proof that was provided by XXXX XXXX ( who brought the account after being charged off ) along with highlighting of FCRA ( XXXX XXXX XXXX ) violations being committed but still the information was updated.

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the CFPB In XX/XX/XXXX, the bureau ( Consumer Financial Protection Bureau ) found that between XX/XX/XXXX and XX/XX/XXXX XXXX violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to XXXX that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete ; failing to provide the date of first delinquency on certain delinquent or charged-off accounts ; and failing to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to XXXX. 

I have disputed the information on my consumer report with XXXX, Equifax, and XXXX on multiple occasions : XX/XX/XXXX, XXXX XXXX those disputes, I pointed out inaccurate information along with the variation of reporting across the CRAs. The information has continuously been verified or falsely updated by XXXX. 

My most recently dispute in XX/XX/XXXX was accompanied with physical proof that was provided by XXXX XXXX ( who brought the account after being charged off ) along with highlighting of FCRA ( Duty of Furnishers ) violations being committed but still the information was updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
was at the XXXX  looking to buy a new card when i was made notice of XXXX accounts i never applied for on my credit report

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
was at the XXXX looking to buy a new card when i was made notice of XXXX accounts i never applied for on my credit report

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
2nd Complaint For Filing a Lawsuit against TransUnion! There is a XXXXDay late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. TransUnion and XXXX XXXX XXXX XXXX, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are repeatedly reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer Report. Thanking you in advance for your cooperation.

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