vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> the company ( s ) were in negligent non-compliance with 15 usc 1681b with XXXX accounts XXXX XXXX and XXXX XXXX XXXX which are actually subsidiaries posing as separate entities both pulling hard inquires without permissible purpose which makes the companies civilly liable under 15 usc 1692k for Monetary relief XXXX per violation

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 2024-01-21 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: General Motors Financial Company, Inc.
State: NM

Complaint narrative:
I am writing to file a formal complaint against the following companies for what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in investigating and addressing this matter. 

Under the FCRA, specifically 15 USC 1681 Section 602, I am entitled to privacy concerning my credit information. I have reason to believe that this creditor has violated this right by disclosing my credit information without proper authorization. 

Furthermore, in accordance with 15 USC 1681 Section 604 ( a ), Section 2, a creditor is prohibited from furnishing information regarding my account without obtaining my written permission. I have not provided written permission to this creditor for the disclosure of my credit information, and I believe they have acted in violation of this provision. 

Additionally, I would like to draw attention to 15 USCS 1666b, which states that a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. This creditor has incorrectly reported a late payment, I request an investigation into this matter. 

I kindly request that the Consumer Financial Protection Bureau investigate this complaint and take appropriate action against them if it is determined that they have violated the FCRA. I also request that any inaccuracies in my credit report resulting from this violation be corrected promptly. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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 am writing you this notice to update the information in my consumer report. See letter attached for my accurate personal 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 non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2023 the company ( s ) were in negligent non-compliance with 15 usc 1681b with XXXX accounts XXXX XXXX and XXXX XXXX XXXX which are actually subsidiaries posing as separate entities both pulling hard inquires without permissible purpose which makes the companies civilly liable under 15 usc 1692k for Monetary relief XXXX per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: 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.

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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: General Motors Financial Company, Inc.
State: NM

Complaint narrative:
I am writing to file a formal complaint against the following companies for what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in investigating and addressing this matter. 

Under the FCRA, specifically 15 USC 1681 Section 602, I am entitled to privacy concerning my credit information. I have reason to believe that this creditor has violated this right by disclosing my credit information without proper authorization.

Furthermore, in accordance with 15 USC 1681 Section 604 ( a ), Section 2, a creditor is prohibited from furnishing information regarding my account without obtaining my written permission. I have not provided written permission to this creditor for the disclosure of my credit information, and I believe they have acted in violation of this provision.

Additionally, I would like to draw attention to 15 USCS 1666b, which states that a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. This creditor has incorrectly reported a late payment, I request an investigation into this matter. 

I kindly request that the Consumer Financial Protection Bureau investigate this complaint and take appropriate action against them if it is determined that they have violated the FCRA. I also request that any inaccuracies in my credit report resulting from this violation be corrected promptly. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: MI

Complaint narrative:
Loancare keeps reporting my balance as {$10000.00} more than its supposed to be. Ive tried fixing this over the past year countless times by disputing it with the credit bureaus. It gets fixed temporarily, but then gets reported wrong again. 

Now, there was an error of {$10000.00} on my XXXX from them : XXXX XXXX XXXX XXXXXXXX {$180000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Another mistake by $ XXXX. The beginning balance was correct, but someone in the company cant do math. I also tried to fix this and the actually added $ XXXX to the beginning balance when it should have been subtracted from the ending balance. uGH! 

I AM SO SICK IF THIS COMPANY

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 2024-01-21 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: FL

Complaint narrative:
I am writing you this notice to update the information in my consumer report. See my letter for my accurate personal 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 2024-01-21 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: TRUIST FINANCIAL CORPORATION
State: NM

Complaint narrative:
I am writing to file a formal complaint against the following companies for what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in investigating and addressing this matter. 

Under the FCRA, specifically 15 USC 1681 Section 602, I am entitled to privacy concerning my credit information. I have reason to believe that this creditor has violated this right by disclosing my credit information without proper authorization. 

Furthermore, in accordance with 15 USC 1681 Section 604 ( a ), Section 2, a creditor is prohibited from furnishing information regarding my account without obtaining my written permission. I have not provided written permission to this creditor for the disclosure of my credit information, and I believe they have acted in violation of this provision. 

Additionally, I would like to draw attention to 15 USCS 1666b, which states that a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. This creditor has incorrectly reported a late payment, I request an investigation into this matter. 

I kindly request that the Consumer Financial Protection Bureau investigate this complaint and take appropriate action against them if it is determined that they have violated the FCRA. I also request that any inaccuracies in my credit report resulting from this violation be corrected promptly. 

Thank you for your prompt attention to this matter.

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 2024-01-21 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 am writi ng to follow up on my previous noti ce sent on 45 days ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; SeeFraudulent Collecti on Account Summary below.

I want to emphasize that I did not authorize anyone to use my name or personal informati on to obtain money, credit, loans, goods, orservices menti oned in this report.

I did not receive any benefi ts, funds, goods, or services associated with the events described in the report.

Furthermore, I have no knowledge or informati on about the individual ( s ) who uti lized my personal informati on or identi fi cati ondocuments without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 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: FL

Complaint narrative:
I am writing you this notice to update the information in my consumer report. See letter for my accurate personal 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 2024-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
When using bill pay in a Wells Fargo checking account, WF displays a statement that checks sent out can be delayed by the post office, but it is my belief that WF takes their time sending out those checks also and may even " forget '' to send some. I have had checks to local contractors take more than two weeks to arrive. In XXXX, I authorized a pair of checks to be created and sent to XXXX XXXX for an expedition payment that totaled $ XXXX. Those checks never arrived - it is my belief that Wells Fargo " forgot '' to send them out so that WF could get the float on the funds already deducted from my account. When I went into a branch to complain and put a stop payment on the checks, they opened an inquiry and a week later informed me that they had done everything right in the check generation - but the stop payments were not processed - so WF got the float for another week.

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 2024-01-21 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: DE

Complaint narrative:
I have rights to ensure that your private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and Experian to exercise fairness, impartiality, and respect for my privacy These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed you of my right to exercise your nondisclosure option. Additionally, they are reporting adverse information about my account without my permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.

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 2024-01-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Auto Lease Account # XXXX During the first week of XX/XX/2023 I received a notice from First Bank dated XX/XX/2023 ( attached ) stating that the car I am leasing from them has been left without insurance coverage and that an insurance policy would be purchased by the Bank XXXX The notice also stated that if I was not interested in this insurance policy that I had to provide a double interest policy with the same terms and conditions as the previous one and a payment certification issued by the insurance company. The payment certification must show that the premium was paid in full. The information had to be provided within 30 days from the date the insurance policy becomes active. I called the Bank and was asked to provide all the information via email. I sent an email on XX/XX/2023 with all the requested information. I have sent XXXX additional emails requesting the policy information to be updated but instead I have received XXXX additional notices stating that the Bank purchased the insurance and that I would be charged {$5000.00} for this. 

The insurance policy 's renewal date was on XX/XX/2023. I made the payment to the insurance company on XX/XX/2023. The new insurance coverage started on XX/XX/2023 and I sent all of the information the Bank requested on XX/XX/2023, that is within the 30 days from the date the insurance policy became active. I have provided all the information requested in a timely fashion and still the Bank has failed to update the information and now is charging me for another insurance policy/

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: MD

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.

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 seven 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 2024-01-21 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: VA

Complaint narrative:
This company reported a late payment on my credit report and i wasn't XXXXdays past due i have always kept up with payments and ive tried to speak with them on this matter and the results where not successful.

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 2024-01-21 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: VA

Complaint narrative:
This company reported a late payment on my credit report and i wasn't XXXXdays past due i have always kept up with payments and ive tried to speak with them on this matter and the results where not successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 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: VA

Complaint narrative:
This company reported a late payment on my credit report and i wasn't XXXXdays past due i have always kept up with payments and ive tried to speak with them on this matter and the results where not successful.

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 2024-01-21 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: FL

Complaint narrative:
I am writi ng to follow up on my previous noti ce sent on 45 days ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; SeeFraudulent Inquiry Summary below.

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 2024-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I logged into the TD Bank online portal to access my Raymour and Flanigan credit card account. On that date, I scheduled two payments : one for {$100.00} due on XX/XX/XXXX, and another for {$100.00} on XX/XX/XXXX. 

However, on XX/XX/XXXX, upon receiving my physical credit card invoice, I noticed a {$29.00} late fee on the account. Upon logging into my account, I observed that the payment I had set up on XX/XX/XXXX, to cover my XX/XX/XXXX, payment had been canceled. Surprisingly, the payment for XX/XX/XXXX, was still pending on XX/XX/XXXX. In response to the late fee, I contacted customer service. 

The representative acknowledged that I had scheduled two payments on XX/XX/XXXX, but explained that the system does not allow for two payments to be simultaneously in a " pending '' status. When I set up the payment for XX/XX/XXXX, it automatically canceled my XX/XX/XXXX, payment, leading to a missed payment. Fortunately, the representative was able to reverse the {$29.00} fee. 

Unfortunately, the situation worsened as TD Bank decided to cut my credit line by XXXX  due to this system mishap. Upon inquiry, another department explained that the credit line reduction was a consequence of a late payment on the account. Despite having never made a late payment before, the system 's automatic cancellation led to this unfavorable outcome. 

To restore my credit line back to {$9000.00}, the representative informed me that they would need to pull my credit again. I find this request unreasonable, considering it stems from a system glitch and involves an individual with a clean payment history on this card and all other credit cards. 

I have attached a snapshot of the payment status page from their website for your reference. Please review the dates and times of the requests. On XX/XX/XXXX, at XXXX XXXX, I set up a {$100.00} payment. One minute later on the same date, I established another {$100.00} payment scheduled for XX/XX/XXXX. To test my cancellation theory, on XX/XX/XXXX, at XXXX XXXX, I set a payment as a " pay now '' option for {$150.00}. Upon accessing my online account on XX/XX/XXXX, the status of this payment was processed. Subsequently, I made an " on this date payment '' for {$160.00}, dated for XX/XX/XXXX. This set up canceled the previously processed " pay now '' payment. I find this situation deceptive and seek resolution.

Company response to consumer: Closed with monetary relief