vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: NC

Complaint narrative:
My XXXX XXXX credit card balance was reported prematurely either by XXXX XXXX, or by the CRAs doing self-reporting. The banks have no valid reason to prematurely report credit card balances out of their normal [ once a month ] cycle. Therefore, I am very suspicious of the involvement of the CRAs. 
This complaint is to give XXXX XXXX an opportunity to respond appropriately to the matter with any evidence it can provide to clear itself, as I do not believe it was responsible. If it was they will need to deal with my attorney amicably in the matter. 

On the other hand, if the diligent investigation of my attorny finds any of the CRAs utilized their position to retrieve an out-of-cycle balance and then self-report it, there will be severe legal consequences and regulatory provisions. 

I currently do not know who acted to afrfect my balance out of cycle - my score has dropped at all 3 CRAs as a result. This is unacceptable, as I have a habit of paying my balances down to XXXX or near XXXX, prior to them being reported. 
I urge the CFPB to work with me to ferrit out the culprit, as either XXXX XXXX or Equifax is being dishonest in the matter. I hope it is not XXXX XXXXXXXX, as I only recently started a relationship with them that I was tending to grow. 

I am asking the CFPB, when you read this to identify any patterns of banks or CRAs prematurely reporting balances out of cycle, - as a new consumer advocate I plan to agressuvely pursue such behavior, given the impact it can have on a consumer for their score to be impacted unexpectedly. Today consumers are taking advantage of the credit game, acting swiftly to acquire XXXX percfent interest credit and unique offers while they last. Consumer like me do not have the time or inclination to constantly battle with the CRAs as to how they report information. I currently have numerous dispuets open at all 3 CRAs, as I'm acting very rpoactively and ensuring they follw governing law, complying with it, and more expediently instead of utilizing the 60-day window to respond when it suits them. The clock is ticking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My XXXX  XXXX credit card balance was reported prematurely either by XXXX XXXX, or by the CRAs doing self-reporting. The banks have no valid reason to prematurely report credit card balances out of their normal [ once a month ] cycle. Therefore, I am very suspicious of the involvement of the CRAs. 
This complaint is to give XXXX XXXX an opportunity to respond appropriately to the matter with any evidence it can provide to clear itself, as I do not believe it was responsible. If it was they will need to deal with my attorney amicably in the matter. 

On the other hand, if the diligent investigation of my attorny finds any of the CRAs utilized their position to retrieve an out-of-cycle balance and then self-report it, there will be severe legal consequences and regulatory provisions. 

I currently do not know who acted to afrfect my balance out of cycle - my score has dropped at all 3 CRAs as a result. This is unacceptable, as I have a habit of paying my balances down to XXXX or near XXXX, prior to them being reported. 
I urge the CFPB to work with me to ferrit out the culprit, as either XXXX XXXX or XXXX is being dishonest in the matter. I hope it is not XXXX XXXXXXXX, as I only recently started a relationship with them that I was tending to grow. 

I am asking the CFPB, when you read this to identify any patterns of banks or CRAs prematurely reporting balances out of cycle, - as a new consumer advocate I plan to agressuvely pursue such behavior, given the impact it can have on a consumer for their score to be impacted unexpectedly. Today consumers are taking advantage of the credit game, acting swiftly to acquire XXXX percfent interest credit and unique offers while they last. Consumer like me do not have the time or inclination to constantly battle with the CRAs as to how they report information. I currently have numerous dispuets open at all 3 CRAs, as I'm acting very rpoactively and ensuring they follw governing law, complying with it, and more expediently instead of utilizing the 60-day window to respond when it suits them. The clock is ticking.

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 2024-07-10 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: CT

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX -- -INQUIRIES -- XXXX - XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/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 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 2024-07-10 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: CT

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX -- -INQUIRIES -- 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-10 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: GA

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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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
Consumer complaint received 2024-07-10 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: WV

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-10 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: CO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
They are calling me three times a day almost everyday, they use different phone numbers it is insane, 15-21 times a week, I have talked to them and told them when I can pay they still do not stop calling with same XXXX and nothing has changed, they claim they are calling to help they not, this is a loan given to me at XXXX percent years ago when I didn't even have a job, I should have never qualified for it, but the calling is insufferable, I have mentioned to them this is the definition of harassment, being they are calling well over 7 times a week and today they started texting me, keep ion mind this is a collateral loan they could just come get the car but instead non stop calling, I can not even see my full payment history online for this loan but I am sure I have more than paid for it, but XXXX at XXXX percent sky rockets back up when payments gets missed, the calling needs to stop I would like to see this loan dismissed I have even brought this up with the women who calls her name is XXXX and told her she is calling to much and it is harassment she claims, " not its not because we are trying to help '' excuse my language but that's a crock of XXXX and fantastic legalese use to justify what is nothing more than harassing behavior I've told them they will get paid it will just take time for me to get another job and that just does not satisfy them, 3 times a day everyday like clockwork and sometimes on weekends, I more than deserve to have this dismissed for this absolutely abhorrible behavior. This is through one main financial they have been in trouble in the past for ripping people off I believe there was a settlement a few years back this place should not be in business

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent disputes for my inquires and names but nothing has been fixed. I have the letters and sent them XXXX of this year.

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 2024-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In sum, dismissal on the stated ground that XXXX had failed to comply with a XX/XX/XXXX order to amend his complaint is unsupportable because the order referred to did not in fact order XXXX to file a new complaint. Dismissal with prejudice was inappropriate because the amended complaint stated nonfrivolous claims and sufficed to give defendants notice of the substance, and many of the details, of XXXX 's claims. Further clarification of his claims may properly be gained through discovery. We conclude that the district court 's dismissal of the amended complaint was an abuse of discretion. 

We have considered all of defendants ' arguments in support of the dismissal and have found them to be without merit. The judgment of the district court is vacated, and the matter is remanded for further proceedings not inconsistent with this opinion. 

Costs are awarded to plaintiff against those defendants who have been served. 

Simmons v. Abruzzo, 49 F.3d 83, 88 ( 2d Cir. 1995 ) When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

SEC v. Jarkesy, 603 U.S. ___ ( 2024 ) 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof.

( June 25, 1948, ch. 646, 62 Stat. 945. ) Writ of XXXX XXXX XXXX never served by clerks and Writs never signed and sealed

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 2024-07-10 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In sum, dismissal on the stated ground that XXXX had failed to comply with a XX/XX/XXXX order to amend his complaint is unsupportable because the order referred to did not in fact order XXXX to file a new complaint. Dismissal with prejudice was inappropriate because the amended complaint stated nonfrivolous claims and sufficed to give defendants notice of the substance, and many of the details, of XXXX 's claims. Further clarification of his claims may properly be gained through discovery. We conclude that the district court 's dismissal of the amended complaint was an abuse of discretion. 

We have considered all of defendants ' arguments in support of the dismissal and have found them to be without merit. The judgment of the district court is vacated, and the matter is remanded for further proceedings not inconsistent with this opinion. 

Costs are awarded to plaintiff against those defendants who have been served. 

Simmons v. Abruzzo, 49 F.3d 83, 88 ( 2d Cir. 1995 ) When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial.

SEC v. Jarkesy, 603 U.S. ___ ( 2024 ) 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof.

( June 25, 1948, ch. 646, 62 Stat. 945. ) Writ of XXXX XXXX XXXX never served by clerks and Writs never signed and sealed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: GA

Complaint narrative:
On or about XX/XX/year>, I sent Transunion and XXXX certified disputes that I attached to this complaint. Both agencies failed to thoroughly investigate the errors on my account : XXXX XXXX {$710.00} and XXXX XXXX {$7900.00}. So, on or about XX/XX/year>, I sent both agencies certified letters requesting a copy of their procedures used to investigate my disputes on XX/XX/year>, including the name, title, and contact information of the person at the creditor with whom you did the investigation. Both companies ignored my requests and did not send me a copy of their investigation procedures within 30 days. They left the two errors on my credit reports which has effected me financially and emotionally.

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 2024-07-10 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Acco8nt name : XXXX Date of inquiry XXXX XX/XX/year> Acco8nt name : XXXX XXXX Date of inquiry : XX/XX/year>

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 2024-07-10 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Acco8nt name : XXXX Date of inquiry XXXX XX/XX/2024 Acco8nt name : XXXX XXXX Date of inquiry : XX/XX/2024

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 2024-07-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
RE : XX/XX/XXXX REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX INQUIRY - XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER XX/XX/XXXXIN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XX/XX/XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XX/XX/XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXXXX/XX/XXXXXXXX [ XX/XX/XXXXO. XXXX ] XX/XX/XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XX/XX/XXXX( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

Company response to consumer: Closed with explanation