vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Both XXXX and Transunion do NOT accurately report my student loan information on my credit report. XXXX is reporting the account accurately as the student loan is in perfect standing. This loan information in good standing with perfect payment information should be reported accurately on both XXXX and Transunion as it is reflected on XXXX. I have disputed this point many times with both agencies and called XXXX to make sure they are reporting- XXXX has assured me that they are accurately reporting my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

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

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 2022-06-04 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:
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. 
XXXX account # XXXX XXXX XXXX XXXX Account # XXXX Has Violated my rights XXXXXXXX XXXX XXXX Account # XXXX Has Violated my rights XXXX Account # XXXX Has Violated my rights XXXX XXXX XXXX Account # XXXX Has Violated my rights Account Status, Date open last reported date, payment status, date last active date of last payment here are just a few ways I was taken advantage of but id you will read the list below are even more violations that effect Me the Consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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

15 U.S.C 1861 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any 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. 1681s2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has reasonable cause to believe that the information is inaccurate Prompt notice of dispute to furnisher of information ( A
) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

All of which has been Violated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: Experian Information Solutions Inc.
State: FL

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. 
XXXX account # XXXXXXXX XXXX XXXX XXXX Account # XXXX Has Violated my rights XXXX XXXX XXXX  Account # XXXX Has Violated my rights XXXX  Account # XXXX Has Violated my rights XXXX XXXX XXXX Account # XXXX Has Violated my rights Account Status, Date open last reported date, payment status, date last active date of last payment here are just a few ways I was taken advantage of but id you will read the list below are even more violations that effect Me the Consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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

15 U.S.C 1861 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any 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. 1681s2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has reasonable cause to believe that the information is inaccurate Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

All of which has been Violated

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 2022-06-04 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
After reviewing my consumer report I noticed that two new accounts were reporting negatively on my report. I have no knowledge regarding any of these accounts. This negative reporting is problematic because now I'm unable to apply for any type of credit and what adds insult to injury I did not open these accounts. I have made all reporting agencies aware of this identity theft issue and they irresponsibly reported this harmful information. I have tried address this matter but nothing was resolved. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX ), XXXX  XXXX XXXX ( Account # XXXX ) has violated my rights. 
15 U.S.C 1681 SECTION 602 A states I have a right to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2 also states a consumer reporting agency can not furnish any account without my written instructions.

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 2022-06-04 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: MI

Complaint narrative:
The credit bureaus stated my account was properly investigation but how is that possible if there are several inaccuracies including last active dates, last reported dates, high balances and payment histories. This is grounds for removal. They also violated my rights under these laws : 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 an account without my written instructions.

Attached below is a copy of my drivers license and social security card as well as a copy of my tri-report credit report identifying incorrect discrepancies via highlighted sections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The credit bureaus stated my account was properly investigation but how is that possible if there are several inaccuracies including last active dates, last reported dates, high balances and payment histories. This is grounds for removal. They also violated my rights under these laws : 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 an account without my written instructions. 

Attached below is a copy of my drivers license and social security card as well as a copy of my XXXX credit report identifying incorrect discrepancies via highlighted sections.

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 2022-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i tried to access my personal credit report at transunion but was denied access also i have a credit freeze on my transunion account and also am being denied acces to lift the freeze i need access to my reports because i am being denied credit and employment opportunities due to the freeze i contacted transunion on multiple occasions at XXXX also at XXXX XXXX all these contact numbers i spoke to the agents and none of them have helped me resolve my issue i keep being told i will get a call bak from a another agent in 72 hours so i feel my life is on hold and my faur credit rights are being violated and i demand justice or to be allowed acces to my information being reported by transunion

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 2022-06-04 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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
Cardinal Financial loan officer was bothering me non stop for months, finally spoke with her on the phone to get an idea of purchasing my first home and next thing i know i see an inquiry notification while on the phone with them first off i never gave written or verbal consent to pull my credit and now the loan officer will not return my calls and the company i cant get ahold of either, im pretty sure they have fake reviews all over the place because im finding many complaints about real clients who have the same situation they pull credit without authorization and will not return calls this is adhering me from getting a home loan approved now they dinged my credit with a hard inquiry which i have to wait 2 years to apply again this is fraud and nothing but fraud I NEVER GAVE CONEST WRITTEN OR VERBAL FOR THEM TO PULL MY CREDIT REPORT, please help me get this off i need a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/2022 - received a notice from Synchrony Bank that they had decreased my credit limit on my XXXX  XXXX XXXX account ending in XXXX although my account is current on payments. I have not had an issue paying on this account or the account I had previous to this one. The letter states that the decision is due to a delinquent or derogatory real-estate account which is CURRENT and has absolutely nothing to do with paying XXXX  XXXX XXXX. I have not asked for an increase on this account therefore Synchrony should not be running my credit report in the XXXX place. 
Like many during the pandemic, I ensured that all my bills stayed current and paid my bills even if the minimum was all I had to pay. By decreasing my credit limit not once but twice, Synchrony is causing my credit score and my credit card utilization to decrease due to the account being at the limit and not where it should be within the original credit limit of XXXX. There was absolutely no reason to decrease my original limit the XXXX time, yet I made no complaint ( I forgot and missed my due date once but paid immediately as soon as I realized what I had done ), but to decrease my limit again especially for an account holder who is paying on time and with a current account status is outrageous! The main concern should be that my account status is and has been current since I opened this account and there should be no reason to view my credit report unless I request a credit increase therefore giving Synchrony permission to do so. My account with Synchrony Bank is not past due, has never been delinquent and all credit criteria should be based on this status and no other

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 2022-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with 2 accounts ans inquiries I did not authorize

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 2022-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act : XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX  account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX has violated my rights.

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

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 2022-06-04 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:
In accordance with the fair credit reporting act : XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: Chime Financial Inc
State: NJ

Complaint narrative:
On XXXX Of XX/XX/XXXXi was XXXX XX/XX/XXXXand XX/XX/XXXX by a individual staying at a hotel in XXXX XXXX NJ, with that being said my wallet was stolen and my computer and phone. i had reported to the police and there's a large investigation going on regarding this matter. 

I was and still am mentally not okay and been trying to recover from this the best way i could.but a couple of days or weeks using my online debit card to make purchases I began seeing charges on my card and I started to report them to Chime which is well was my banking institution. the first charge was at a XXXX XXXX. the charge was for XXXX and then a couple of more for the same prices but only one was clear at the moment. i filed a dispute on that one which is what the bank told me to do and it got approved. and i received my funds back. 

A couple of days later i filed the rest of the dispute which added up to XXXX all form the same merchant XXXX XXXX. but this time around i was denied for a dispute i filed a week before and was approved for, so i put in the dispute again and again denied. I have submitted a police report, i sent a letter from the merchant themselves saying i am not the one that set the charge. that my card and id was used by someone else. as well i gave hospital records sayin i was in the hospital during the time of the charges recovering from the attack. and still denied i been submitting this rebuttal more than 15 times in the past year and continue to get denied with as much documentations given. all my other financial banks had repaid me for any unauthorized charges but chime does not get it was not me using my card and they are stating i was using my card around the area of the location of the charge, and that's because i lived 4 blocks away form the motel, the motel is known for drug addicts and illegal conduct. which is where they found my attacker after the attack and i was using my account it wasnt with the card but my online wallet on my XXXX account i had no money or cards after my attack so i had to use my ewallet to get money.. i have not use chime since because i can't believe after all that documation given they cont. to deny me. it sickens me because they making me fall like i am lying about my attack my complaint is with CHIME BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
Truist Bank refuses to remove the PMI on my conventional home loan. I have followed their directions, and they returned my {$150.00} check. According to XXXX XXXX ( the servicer of my loan ), my current LTV is under 60 %. All conventional loans should have PMI removed if the payment history is perfect and the Loan to value is below 78 %. Truist Bank wants a list of " improvements that are substantial in value '' without any definition of what they consider substantial. This is a subjective term that was never presented during my loan terms, and closing documents of my original loan. 

I sent my check for " XXXX '' of {$150.00} on XX/XX/2022. I just opened the mail today coming back from a vacation to see that returned my check and refuse to consider dropping my PMI.

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 2022-06-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account number XXXX  XXXX XXXX XXXX Account number XXXX have violated my rights 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account number XXXX XXXXXXXX XXXX XXXX Account number XXXX have violated my rights 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

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 2022-06-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with 2 accounts and inquiries I did not authorize

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