vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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:
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 XXXX XXXX XXXX. 

XXXX XXXX : XXXX XXXX  : XXXX XXXX XXXX  : XXXX has violated my rights. 


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 2024-04-19 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: Upstart Holdings, Inc.
State: MO

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upstart is the Original Creditor that put this on my consumer reports. Upstart Name is showing on my consumer reports. Upstart reported the ( Trade line ). Upstart CHARGED OFF this account. You can not report this as a charge off and collection at the same time. which one is it? 

XXXX XXXX does not have my account. I can only dispute with the original creditor which is Upstart. Consumer reporting agencies are saying they verify with Upstart. 

Upstart has illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Tradeline Reporting on XXXX, XXXX and XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Upstart it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all above disclosures required by Federal.

On the Consumer Report : XXXX  Account : XXXX  Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: GA

Complaint narrative:
I am writing to express my ongoing frustration and disappointment regarding the unresolved issue of fraudulent items. 

The presence of these fraudulent items not only undermines my financial security but also erodes my trust in your company 's ability to safeguard my interests as a customer. Furthermore, the lack of resolution has caused me significant stress, inconvenience, and potential financial losses. 

Therefore, I demand immediate and effective action to rectify this matter. Specifically, I request the following : A thorough investigation into the root cause of these fraudulent activities and a transparent explanation of the steps being taken to prevent similar occurrences in the future. 
Compensation for any financial losses, damages, or inconvenience incurred as a result of the presence of these fraudulent items on my account. 
Assurance of enhanced security measures and proactive monitoring to prevent future instances of fraud. With this, I am asking for your assistance to remove these accounts fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX Balance : {$2300.00} ; 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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: WI

Complaint narrative:
The consumer protection credit act which incorporates, the fair credit reporting act, the fair collections practice act, as well as other consumer protected statutes, prevents and/or allows me to file an identity theft report based on any debt that is either unrecognized and/or unauthorized. I have several items on my report I did not authorize ; as a matter of fact they were retrieved or obtained from sources who claim they received it from public venues, listing commonly known credit agencies. I emphasize, under the privacy act of 1974, my address, specifically, when associated with my name, and my social security number specifically when associated with my name, are NOT public information, and I have given NO authorization to distribute this information publicly. 

When corporations sell my information to corporations, as such is the case with XXXX XXXX XXXX XXXX XXXX, this is done without authorization, therefore making the information INACCURATE. The law STRICTLY prohibits any inaccurate and/or misinformation being placed on public record such as any credit agency or bureau. The credit agencies can not associate this information with my information without MY permission! 

15 USC 6508 : This section falls under the Gramm-Leach-Bliley Act ( GLBA ) and pertains to the protection of nonpublic personal information. Specifically, it defines the term " financial institution '' as any institution engaged in the business of providing financial services to consumers, including banks, credit unions, securities firms, insurance companies, and certain other entities. 

15 USC 6802-6805 : These sections also stem from the Gramm-Leach-Bliley Act and focus on the privacy of consumer financial information. They outline requirements for financial institutions regarding the treatment of nonpublic personal information and provide guidelines for safeguarding such information against unauthorized access and use.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the failure of TransUnion and XXXX to provide me with notice of a dispute as required by the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I submitted a dispute to TransUnion and XXXX regarding inaccurate information on my credit report. Despite my submission of this dispute, I did not receive any notice from TransUnion and XXXX confirming receipt of the dispute or informing me that an investigation would be conducted, as required by the FCRA. 
This failure to provide notice of the dispute has significantly impacted me, as I have been unable to address the inaccurate information on my credit report and mitigate potential harm to my credit standing. I am concerned that TransUnion and XXXX 's failure to comply with its obligations under the FCRA may have violated my rights as a consumer.

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 2024-04-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: VA

Complaint narrative:
Im a user of NetSpend prepaid card. I got an email from XXXX at XXXX XXXX on XXXX XXXX. The title is Important Information Regarding Your Account REF # XXXX. I attached this email history in this complaint. The email asked me to call compliance department at XXXX. I called 5 times on Tuesday, 7 times on Wednesday, 2 times on Thursday. Nobody answered my call. I left multiple voice mails with my phone number. However, I didnt get any reply afterwards. I also got another email from XXXX at XXXX XXXX on XXXX XXXX. This email also asked me to contact NetSpend, but at a different number XXXX. I did call this phone number ( NetSpend customer service ) twice on Tuesday, once on Wednesday and twice on Thursday. All representatives confirmed I need to talk with compliance department directly because they have no other information about my case. But there is no direct number. They can not help me and I have to wait for call back from that compliance department. There was a fax number as well. But its not available for all days whenI send fax. Basically I did my best to reach NetSpend but get rejected all the times. I got a email from XXXX on XXXX XXXX on XXXX XXXX with a title Account Issue Resolved. Right after the email, I got another two emails from XXXX on XXXX XXXX on XXXX XXXX with a title Account Issue - Contact Customer Service. It asked me to contact XXXX immediately. I called this phone number on XXXX XXXX on XXXX XXXX. The representative checked my account and told me my account is closed for gambling activity. I deny this accusation but she can do nothing. She can not transfer me to any supervisor or corresponding department. So I got no other option but submit this complaint to CFPB. Obviously, NetSpend make unresponsible requirement and refuse communication at all. I didnt get any chance to talk with anyone indeed. Additionally, I dont get involved with any gambling activity. This is unreasonable and unfair treatment.

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 2024-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XXXX I was pressured at a Sephora store cashier, while making a purchase, to sign up for a store credit card. This card was issued by Comenity Capital Bank, part of Bread Financial. I used the card about twice since then and paid in full each time. In XX/XX/XXXX I paid in full a new bill with a charge I made of about {$290.00}, the company deemed the payment late and charged me penalties and fees totalling about 20 % of the original bill. I noticed this only the following month since I believed that I had paid the amount owed and did not charge anything further, by which time fees upon fees had also begun to be charged. I contacted the company requesting that these fees be reversed, but the company said it was their policy not to fully reverse them. I then protested the company 's business practices, asked that the card be cancelled, and informed the company that I would dispute any negative information reported to credit agencies. The company had begun harassing me with phone calls ( which I was able to stop ), monthly bills with fresh fees and penalties for not having paid the first fee imposed, and no sooner did I cancel the card than it also began reporting monthly delinquency to my credit agencies. All this even as I paid back in XXXX the amount in full that I had charged in the Sephora store. 
I have been notified by a credit monitoring service that this company is also reporting increasing debt owed to it, in addition to delinquency. 
Now my credit score is well on its way to ruin, what was previously near a perfect score ( well over 800 ) has now dropped to XXXX in just a couple of months, solely due to this company 's actions. This will have lasting ramifications on my financial future. 
I am now in a serious bind where, if I do not pay the increasing amounts that this company claims I owe them, my credit will be further ruined and there will be no recourse. I believe that this is highly usurious, that this company is preying on consumers and would like to know if any laws are being violated through this company 's predatory practices. 
In its letter of acknowledgement of the cancellation of the card, this company openly informed me of its intention that they will continue to claim fees and to make regular communications to collect them, including negative credit reporting. As of today the company claims to the credit reporting agency that I have a {$290.00} outstanding debt to it, all of which would comprise fees charged. That represents already 100 % of the original amount I charged to the card. 
Even if I do this to end the harassment, it seems that it will already take me years to recover from this problem. I feel very exposed financially to this company and can not understand how signing up for a store card and making a small purchase can have such a result, and even though I have made full payment of the original charge and have cancelled the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I would like to dispute the following items off my credit report : Equifax : XXXX 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 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 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 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 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 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 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 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 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 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 2024-04-19 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: TX

Complaint narrative:
Kindly update my account and remove the inaccurate late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-04-19 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: VA

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was trying to purchase a home but after checking my credit report i noticed damages on my report from ( TRANSUNION ) These inquiries are unauthorized and they are not related to any transactions by me. 
According to law 15 U.S.C 1681 there shouldn't be any damages on my report this is a defamation of my character. 
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

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 2024-04-19 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: LA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: TX

Complaint narrative:
American Coradius International L.L.C. and XXXX XXXX XXXX are fraudulently trying to collect amounts not owed, as exposed with evidence on the document attached. XXXX XXXX XXXX in addition lied to this government agency, on their previous response. The evidence and petition to sanction XXXX XXXX XXXX by the CFPB has been sent via USPS registered mail.

This document proves how this collector on behalf of XXXX, are realizing fraudulent actions to collect amounts not owed.

Company response to consumer: Closed with explanation