vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2024-04-10 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: FL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-04-10 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-10 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank, servicer for PayPal, despite my repeated messages, has not responded to my requests for status of XXXX refunds for the return of merchandise consistent with applicable store policy : ( XXXX ) {$100.00} refund processed by XXXX XXXX and ( XXXX ) XXXX refund processed by Walmart.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Per 15 USC 1681- credit reporting agencies must report fair and current information. There is quite a bit of unfair and not current information on my report. 

Experian credit report shows that I owe {$140.00} to XXXX. It, also, states that the account was a Charge-off. Per the IRS, all " Charge-Off 's '' are considered to be " income ''. 
Credit reporting agencies are not allowed to report " income ''. The same is true for the XXXX and the XXXX XXXX XXXX XXXX files. 
In addition, one of my contracts was with XXXX XXXX. Not XXXX XXXX XXXX XXXX XXXX XXXX the account as a " Charge off ''. The other was a contract with XXXX XXXX. XXXX XXXX closed the account and completed a " charge-off '' for the balance. 
Also, there are several inquiries on my report. None of which are showing an actual reason for the inquiry. Per 15 USC 1681 there must be a legitimate reason for these inquiries for them to fulfill the requests. These are : XXXX XXXX ( XXXX  XXXX I assume ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Unknown who this is ) XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  ( XXXX XXXX XXXX  XXXX ) XX/XX/XXXX XXXX 's XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have not given Esperian any form ( written, verbal or electronic ) permission to release any personal information to anyone. The year of my birth is on this record. Another violation. At my age it might be a XXXX violation, also. 

There are XXXX addresses on my report. 
XXXX XXXX XXXX XXXX, XXXX, XXXX  -- -- - this address is unmailable XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  -- - this address is unmailable ( XXXX yrs ago ) XXXX XXXX XXXX, XXXX, XXXX  -- -- this address is unmailable and should have been removed quite some time ago. Very old information is a violation. 15 USC 1681 states that old outdated information can not be reported. I have not lived in that area since XXXX. I did give Experian my current and correct address. 
Experian, is also, claiming that they can not lock out " soft inquiries '' unless you join their membership for a monthly fee. This is NOT TRUE. The law states that we can lock those and our entire account from being reported by them. This is deceptive practices on their part and bad business all around. 

Esperian reporting false information on my credit report is hurting me. I can not apply for any credit cards or loans, as they use this information negatively to deny 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 non-monetary relief
Consumer complaint received 2024-04-10 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: GA

Complaint narrative:
I looked at my credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts 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 XXXXXXXX, are not complete and accurate . 

And one more thing 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.

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 2024-04-10 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-10 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: AL

Complaint narrative:
I " XXXX XXXX XXXX '' have noticed late payments on my consumer report that must be removed and deleted. Within addition, I request a new update with the credit cards reporting payments on time. According to the law FCRA 15 USC 1681 a 2Ai. ( 2 ) exclusions. - Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The credit bureaus have violated these consumer laws and must be held accountable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
XXXX XX/XX/XXXX I was alerted to a new credit inquiry that was not mine. I called them on XXXX XXXX and they said the application has been reported fraudulent. The issue is the address the fraud used to initiate the application is from a state ID that expired on XXXX XX/XX/XXXX so they shouldnt have been able to use it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XX/XX/2024 I applied for a loan from Santander Bank. The company 's automated system reviewed my credit and I was ultimately denied. I was Appalled, Confused and Determined to ascertain as o why my application had ben denied. 
After reading the denial letter, I began to understand that XXXX 's Bank Algorithm was programmed to include elements of Bias and Prejudice against XXXX, XXXX  and and just lower income people in general. I determined this by their own admission when they state. 
" Your application was processed by a SYSTEM that assigns a numerical value to the various items of information we consider in evaluating an application. 
these numerical values are based upon the results of analyses of REPAYMENT HISTORIES OF LARGE NUMBERS OF CUSTOMERS '' " The information you provided in your application did not score a sufficient number of points for approval of the application. The reasons you did not score well compared with other applicants were : * YOUR CREDIT BUREAU REPORT INDICATES YOU DO NOT MEET OUR MIMINUM CRITERIA ' I was outdone. My credit score is/was at the time of their application submission " XXXX '' So I thought to myself if I dont meet the very minimum requirements, who does? Then it dawned on me that Santander just did not want my business or anyone like me to loan money too. 
Finally I found on their denial letter, them actually admitting to having a Biased Prejudiced programmed algorithm. XXXX of the reasons its states I was denied : " Too many XXXX XXXX XXXX accounts '' This states clearly that they are prejudiced against poor and people of color. simply because they ( Santander ) know this is usually the only place people of color are able to get any loan what so ever. So if as they said they use the history of those companies almost all XXXX people and people of color who ever had to use XXXX of these companies as a stepping stone to better credit. No one in that demographic would ever ever get a loan from Santander Bank.. 
Finally the other reasons they used are suspect at best. My usage is less than 20 %. Please review attachments from XXXX ( whom they used as their reporting agency ). 
This report clearly shows that this company reasoning was flawed. 
Sincerely,. 
l

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 2024-04-10 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX provided me with documentation assuring that they have never reported me late. Equifax has it as I was late the month of XXXX and XXXX. I provided this information to the credit bureau Equifax, and they have done nothing this is unacceptable. They are violating 15 U.S. CODE 1681 ( a ) By reporting in accurate information. the late payment is hindering me from being able to obtain credit or buy a home for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The Fair Credit Reporting Act states that the only permissible purpose for pulling one 's credit report is for : Firm Offer of Credit , Insurance, Employment, Court Order I have not authorized any of these companies to get a copy of my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By allowing this inaccurate information to be reported is a clear VIOLATION of the Fair Credit Reporting Act Section 1681b ( c ) : Transactions Not Initiated by Consumer. If the original creditor can not PRODUCE evidence to contradict my suspicion that FCRA 1681b ( e ) was violated then it will clearly indicate that said creditor was not LEGALLY authorized to view my consumer credit file. I am confident that if METRO 2 COMPLIANT EVIDENCE is not produced, that any court as well as the FTC and CFPB will see this violation a just that, a VIOLATION of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: NY

Complaint narrative:
The Fair Credit Reporting Act states that the only permissible purpose for pulling one 's credit report is for : Firm Offer of Credit , Insurance, Employment, Court Order I have not authorized any of these companies to get a copy of my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By allowing this inaccurate information to be reported is a clear VIOLATION of the Fair Credit Reporting Act Section 1681b ( c ) : Transactions Not Initiated by Consumer. If the original creditor can not PRODUCE evidence to contradict my suspicion that FCRA 1681b ( e ) was violated then it will clearly indicate that said creditor was not LEGALLY authorized to view my consumer credit file. I am confident that if METRO 2 COMPLIANT EVIDENCE is not produced, that any court as well as the FTC and CFPB will see this violation a just that, a VIOLATION of the Fair Credit Reporting Act.

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 2024-04-10 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: FL

Complaint narrative:
I looked at my report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts : XXXX XXXX XXXX Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX All companies violation of many laws with the account, Charged off/ written off accounts can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! Experian is in violation of FCRA 15 USC Code 1681e B. As well as 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FUR-NISHERS OF INFORMATION TO PROVIDE ACCURATE 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 explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I always pay on time and never missed a 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