vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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: Fidelity National Information Services, Inc. (FNIS)
State: AL

Complaint narrative:
On XX/XX/year> I requested a consumer report and ask for deletion of all derogatory incorrect accounts in my name that is not correct. Also I am requested to update my personal information. In accordance with The Fair Credit Reporting act the list of accounts below are violating my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 my rights have been violated.

15 USC 1681 section 602a. I have a right to privacy.

15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681-C- A -5 Section States no consumer reporting agency may make any consumer reporting 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 7 years.

15 USC 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 any reasonable doubt causes 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 2024-09-30 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: LEXISNEXIS
State: WA

Complaint narrative:
I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I had a year leased that ended XX/XX/XXXX then I renewed the lease to XX/XX/XXXX and I moved out on XX/XX/XXXX but the apartment complex was sold to different owners they lost or couldnt locate my first lease and claimed I moved 1 month before

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: MS

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-30 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: EQUIFAX, INC.
State: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
TransUnion 's Violation of the Fair Credit Reporting Act - Urgent Assistance Needed Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing an ongoing issue with TransUnion, who I believe has repeatedly violated my rights under the Fair Credit Reporting Act ( FCRA ). 

On three separate occasions, I have disputed incorrect bankruptcy information listed on my credit report, and each time, TransUnion has failed to conduct a proper investigation. 

The details are as follows : - XX/XX/year> : I submitted my first dispute regarding the incorrect bankruptcy information. TransUnion claimed to have investigated the issue, but the record remained unchanged. 

- XX/XX/year> : I filed another dispute, and on - XXXXless than 12 hours laterI received an email stating that they had again investigated the matter and the record remained unchanged. 

Given the rapid response, it is clear to me that they simply reused the results from the previous dispute without performing a legitimate investigation. 

- XX/XX/year> : I made a third attempt to dispute the bankruptcy record. 

On XX/XX/year> at XXXX XXXX, I received yet another email indicating that TransUnion investigated the public record and found no changes. 

I requested in writing that TransUnion provide me with their method and procedures for investigating the dispute, but they have failed to respond appropriately. As of now, they have not provided any proof of proper investigation or compliance with the law. I am left with an incorrect bankruptcy record on my credit report that is not mine, and TransUnion is continuing to disregard my rights. 

The bankruptcy record in question belongs to my father, who has a similar Social Security number and previously lived at my address. I have never filed for bankruptcy, yet TransUnion refuses to correct this mistake. 

I am seeking your help in documenting this neglect and holding TransUnion accountable for their failure to comply with FCRA. If they do not remove this incorrect public record, I plan to take legal action. 

Please help me get the relief I am entitled to. TransUnion 's actions are not only irresponsible but deeply distressing, as they are profiting at the expense of consumers like me. 

Thank you for your time and attention to this matter. I look forward to your guidance and support. 

Sincerely, 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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
We have our home mortgage with Chase, and our home insurance with XXXX. Mechanically, we make payments to Chase for our mortgage, together with our home insurance and our property taxes- in a typical escrow set up. 

This summer we received a notice from XXXX that our house insurance had not been paid, and that it would - as a result - be cancelled. I called XXXX on the date that we received the letter, and confirmed that XXXX had not received payment from Chase. I then called Chase and confirmed that we were up to date on our mortgage payments. 

Chase 's explanation was that a " batch cheque '' was sent to XXXX which included our payment along with a huge number of other people 's payments and that there must have been a delay in that process. Chase confirmed that they would make a direct payment for our home insurance, that XXXX would receive it within XXXX business days and that there was a grace period such that there would be no gap in our home insurance coverage. 

I thought it was resolved. 

Then, XXXX days ago I received another letter from XXXX with a refund cheque confirming that our policy had been cancelled and that the refund was in respect of a payment that was received after our policy had been cancelled. 

I spoke to XXXX, and they are cancelling the refund cheque and re-instating our policy. However, I had to confirm that nothing had happened at the house that would give rise to a claim in the period of no insurance ( XX/XX/scrub>XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and confirm that I understood that I could not make a claim for anything that happened in that period. 

So there was a XXXX month period where if something had happened to our house, it would not have been insured- even though we've never missed a payment and I called to correct the problem ( created by Chase ) on the day I received the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-30 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
on XX/XX/scrub>XXXX I received a call from Target regarding a credit application that I did NOT submit. They confirmed the information and I confirmed this was not me. 

I asked that they flag it as fraud and report to the bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-30 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off : 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 explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE HELP ME, EVERYTIME I AM SEEING THIS ACCOUNT IN MY REPORT, THESE REALLY ARE GIVING ME SO MUCH STRESS OM HOW AND WHY THESE ARE REFLECTING IN 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 2024-09-30 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: MS

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: First Bancorp North Carolina
State: NC

Complaint narrative:
I am writing to formally file a complaint regarding the discriminatory and unfair treatment I received during my recent loan application process with First Bank. I first reached out to XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX to discuss my plans for applying for a business loan. XXXX XXXX directed me to an online application, but I encountered difficulties completing it. On XX/XX/XXXX, I visited the main branch in downtown XXXXXXXX XXXX where I was referred to XXXX XXXX XXXX. Despite explicitly mentioning numerous times that I was seeking a business loan to grow my business, XXXX XXXX insisted that I apply for a personal loan instead. I was also told to remove my vehicle as collateral, as this would classify it as a title loan, and to exclude my part-time income because it wasnt related to my business, despite that income being part of my financial support. After following XXXX XXXX instructions, my loan application was denied. I was told by XXXX XXXX that she didnt know I couldnt apply for a personal loan for business purposes. Furthermore, XXXX XXXX stated that I was technically eligible for the loan, but the bank was too conservative to approve it. This comment, along with the guidance to apply for a personal loan despite my clear need for a business loan, suggests I was not given proper consideration or respect during the process. After my denial, I spoke again with XXXX XXXX, who reaffirmed XXXX XXXX remarks, stating that I was eligible, but that First Bank was too conservative to release the funds. XXXX XXXX also recommended that I pursue a title loan or another form of loan elsewhere instead of continuing with First Bank. What is particularly concerning is that First Bank has a XXXX XXXX XXXX ( XXXX ) chapter, yet I was not directed to anyone specializing in small business loans. This, along with the evasive guidance and insistence on pursuing a personal loan, strongly suggests I was not given a fair opportunity. I firmly believe that my race played a role in the treatment I received during this application process. I felt as though I was judged based on stereotypes, and my business was not afforded the same consideration as others. I was not only treated unfairly but discriminated against based on the color of my skin. The lack of respect, misleading advice, and discriminatory undertones throughout this process have been unacceptable. This type of behavior is both unethical and unlawful, and I expect appropriate action to be taken. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TIDEWATER FINANCE COMPANY, INC.
State: NC

Complaint narrative:
Tidewater Motor Credit charged off loan in XXXX. There has been no activity on this account since XX/XX/XXXX. No contact has been made since XXXX. In XX/XX/XXXX they noted my account at being 90 days past due from XX/XX/XXXX to XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, the noted the account as not report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: MS

Complaint narrative:
I need to re-document and refile this complaint to TRANSUNION. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.

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 2024-09-30 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
On XX/XX/year>, I went to XXXX XXXX  XXXX in XXXX XXXX XXXX, NH and made some purchase. The store employee endorsed the XXXX 's XXXX XXXX. When I asked about the application process, I was told that it would be a soft inquiry on my credit account. Now my credit report shows that an hard inquiry was made on my account. 

I called Barclay 's on XX/XX/year> and they told me to contact the XXXX & the credit bureaus.

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 2024-09-30 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: AL

Complaint narrative:
Upon reviewing my credit report, I discovered information that I believe is inaccurate, as outlined by 15 USC 16c-2. This erroneous data is damaging my credit standing, and the inquiries were not authorized by me.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Alliant Cooperative Data Solutions
State: MI

Complaint narrative:
I'm seeing something suspicious and unknown being placed on my credit report from a shady and unknown, well hidden entity purporting to be a secondary credit agency showing up on my XXXX  credit report. 

The phone number listed doesn't work The phone number on their website doesn't work Their contact us form doesn't work Their option to request a report copy doesn't work Nobody in their posted company leadership answers the calls or returns voicemails There is already case precident demonstrating multiple judgements for federal law violations, and it appears I'm experiencing exactly that. The intentional complexity in requesting a report or disputing what's on it is itself an impediment upon FCRA rights

Company response to consumer: Closed with explanation