vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 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: ID Analytics, Inc.
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Furnisher of information to credit agencies, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time At this time i would like to continue to

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: NY

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 non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OK

Complaint narrative:
I have submitted disputes to Mohela, XXXX, and XXXX on how my student loans have been discharged as of XX/XX/XXXX. However, Mohela, XXXX, and XXXX are still reporting balances on my student loans to XXXX and XXXX. As of XX/XX/XXXX, balances are still showing on my XXXX and XXXX credit reports. In addition, my credit report shows a comment that the creditor ( Mohela ) has been reporting the information correctly ; however, they are still reporting balances to XXXX and XXXX. Only XXXX reports my student loan balances correctly. 

Also, I have duplicate trade lines on my XXXX credit report : one line reflecting a balance ( still showing that it's serviced by XXXX ) and another line showing no balance. The duplicate trade line showing a balance needs to be deleted from my credit report. 

Mohela has been difficult to reach, and when I do reach them, they don't seem to be looking at the details ; rather they are sending general responses to my complaints. 

This is my second CFPB complaint against Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: TX

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 three 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 2024-05-10 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: TX

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 three 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 non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, Dispute XXXX I have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts owed are no longer outstanding for the following items : Party owed : XXXX XXXX Amount : XXXX past due Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX owed Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I am disputing this claim due to : I have no knowledge of these accounts. It is fraudulent and I am requesting that it be removed immediately. This is my official request to have the aforementioned items to be deleted off my credit report. My social is 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 2024-05-10 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: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, Dispute XXXX I have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts owed are no longer outstanding for the following items : Party owed : XXXX XXXX Amount : XXXX past due Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX owed Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I am disputing this claim due to : I have no knowledge of these accounts. It is fraudulent and I am requesting that it be removed immediately. This is my official request to have the aforementioned items to be deleted off my credit report. My social is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX I submitted an application for a Capital One Savor card and was denied credit and asked for the reason over the phone. I was told that I had to wait for a letter in writing. Usually the reasons can be given to you over the phone so I decided to follow up the next day. XX/XX/XXXX I called in and asked for the reason again that I was denied. I was told to wait for a letter in the mail and an agent went so far as to tell me I should know the reasons I was denied. XX/XX/XXXX I called the company to let them know I haven't received a letter and would like to know the reasons I was denied credit. I escalated this concern to a supervisor and asked to speak with underwriting if they didn't have access to the information I needed. They stated I couldn't speak with underwriting. XX/XX/XXXX I called and explained I still haven't received a letter and an agent stated they would use a back end system to generate a letter and maybe the other agents were using my application instead to generate this information and that's why it's not going through. XX/XX/XXXX I called in to report more of the same and an agent offered to generate another letter. It is now XX/XX/XXXX and I have called Capital One and spoken to an agent and supervisors more than 7 times and I have yet to receive an adverse action letter or any letter detailing the reason for the denial. I have also asked for this information to be emailed to me, and was told that wasn't possible by a supervisor. I've asked for help in taking a deeper dive into why the letters aren't being sent instead of using their system to generate more letters. Capital one has told me it is the US mail and that's the reason I am not receiving these letters. I live in an HOA community and am a work from home employee. There isn't a problem with my mail system. Surely an organization such as this would have some sort of tracking number associated with the letters they generate or someone that can look further into why the letters aren't being sent. I have opened an official complaint within the organization and have asked the supervisor to publish what they're in violation of. I've also asked an agent to report on my complaint they are violating Regulation B Act as I have a right to receive this letter within 30 days from the date of application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Had I not been incorrectly advised, and had I been properly informed of the companys policies, I would not have closed my American Express XXXX XXXX account. I believe that the incorrect statements by the representative from American Express will now cause harm and negatively impact my credit score should I reapply for the American Express XXXX card and available sign up offers. 

Having called the service line, I expected and trusted that the information provided to be accurate as the information shared by representatives could have adverse impacts in decisions cardholders make. In my situation, I was provided inaccurate statement when I called to speak to a representative regarding my decision to close my American Express XXXX account earlier this year and was NOT made aware of the once per lifetime rule barring previous customers to become eligible for future signup bonus offers. I only learned of this rule based on a separate conversation with another service representative around XXXX XXXX,2024, and had to search online to confirm this rule ( example : XXXX XXXX XXXX ). Had I been properly advised of this rule, then I would not have closed my account because I would have known that the representative provided inaccurate statement on being eligible to requalify for a bonus after two ( 2 ) years ( was advised of this on my call around XX/XX/scrub> 2024 ). Fast forward to now, if I would like to reacquire an American Express XXXX card, I will potentially be subject to adverse credit impacts with another pull against my credit with no guarantee that I could qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The end of XXXX  I file a complaint against this same company reporting falsely and inaccurate information to my credit report as I look to my report I still find inaccurate information on my report XXXX of XXXX  I came to in agreement with this financial company. Company close this account and we t me an confirm email of the account being closed as of XXXX XXXX XXXX and XXXX of XXXX one of the three biggest credit reporting companies have still been reporting that payments have been being made the dates of last reporting are wrong in all three credit agency all this inaccurate information has left me in bad terms with other lenders this has been hurting my way of life and demand that this negative item be removed from my credit report immediately

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 2024-05-10 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: NY

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Please be advised that as of XX/XX/year> as listed on my most recently reviewed on my XXXX XXXX report, there are several frauds/ or unauthorized information that needs to be Inquiries -clarity services a part of experience -fin wise bank XXXX XXXX XXXX - XXXX XXXX -today cash -factor trust -eagle lending -WLCC Lending FHC DBA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX -pay XXXX credit -credit cube -cascade springs red-INF-INSIGHT -cash Advance now -green arrow solutions -green line loans/eagle/intera -evergreen services/ insight/riuo -bison green lending -TCDS for Mobiloans Please remove it from my credit report. 
I am hereby notifying you that neither of those accounts are correct, I have not given XXXX systems permission to furnish this information. understanding that this is a violation of XXXX XXXX XXXX ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to XXXX systems resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX has reported that Account ending in XXXX has a 30-day late payment in which they agreed to correct XX/XX/2024. This information was updated with all 3 credit bureaus, only for XXXX to continue to report false information on my TransUnion credit report. On XX/XX/XXXX XXXX reported this false information and again on XX/XX/2024, they have reported this false information after initially fixing the issue. XXXX needs to update their system and stop reporting this false information. This account was never late as stated in attached document!

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX has reported that Account ending in XXXX has a 30-day late payment in which they agreed to correct XX/XX/year>. This information was updated with all 3 credit bureaus, only for XXXX to continue to report false information on my XXXX credit report. On XX/XX/XXXX XXXX reported this false information and again on XX/XX/year>, they have reported this false information after initially fixing the issue. XXXX needs to update their system and stop reporting this false information. This account was never late as stated in attached document!

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 XXXX XXXX XXXX is 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 non-monetary relief
Consumer complaint received 2024-05-10 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: OH

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account nameXXXX XXXX # XXXX, Account name XXXX XXXX XXXX  # XXXX, Account name XXXX # XXXX, has violated my rights. 

I looked at my XXXX 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
Since XXXX of this XXXX, Ive had medical hardships due to XXXX and XXXX XXXX  at my XXXX XXXX I requested a forbearance while I been recovering from my temporary medical condition. Ive had no progress dealing with South State Banks  XXXX XXXX department. Im currently appealing the denial of my forbearance request for the XXXX  time. I am still going to physical therapy XXXX XXXX  a XXXX  and have not been released by my XXXX  doctor to return to work. During the forbearance request, I have been hounded relentlessly with calls from South State Bank wanting me to make my XXXX payments while I have been out of work and recovering from my medical hardships. During this whole process to get a forbearance, being denied, and going through the appeal process South State Bank has been ruining my credit by reporting XXXX  mortgage payments for XXXX XXXX  to the credit bureau. My XXXX  payments are XXXX

Company response to consumer: Closed with explanation