vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 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: GA

Complaint narrative:
Transunion, XXXX, & XXXX are continuing to report incorrect information. There are several name variations and address that are not mine. These are adversely affecting my ability to get credit and this is a violation of FCRA which is the enactment that govern reporting agencies. I would like the documents that each credit bureau used to validate this information in order to report it. 

These names and addresses need to be immediately removed and update to show accurate information which is XXXX XXXX with no other variations because it would be considered identity theft and my only address is XXXX XXXX XXXX XXXX, GA XXXX any other address should be removed immediately. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
As an active credit user, I currently have several accounts on my credit report, most of which are positive. However, XXXX are negatives. Overall, I have a total of XXXX  accounts that are active and XXXX  are in good standing while XXXX are not. I make all payments on time and as of the XXXX  of this month, the information offered was still accurate. The problem is my credit score and despite the outweighs of positive accounts vs negative accounts, plus an account history that dates back to XXXX years, my credit score is relatively low. My current credit score as reported on XXXX XXXX is XXXX for XXXX and XXXX for Equifax while XXXX is reported as XXXX on XXXX credit journey. In my perception a score that fails to display my actual credit standing and one that robs me of lower interest rates or better credit deals. Ideally, a process that forces me to accept prime credit cards and high-interest rates despite my excellent credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
As an active credit user, I currently have several accounts on my credit report, most of which are positive. However, XXXX are negatives. Overall, I have a total of fifty-one accounts that are active and forty-eight are in good standing while XXXX are not. I make all payments on time and as of the third of this month, the information offered was still accurate. The problem is my credit score and despite the outweighs of positive accounts vs negative accounts, plus an account history that dates back to twenty-three years, my credit score is relatively low. My current credit score as reported on XXXX XXXX is XXXX for XXXX and XXXX for XXXX while Experian is reported as XXXX on XXXX credit journey. In my perception a score that fails to display my actual credit standing and one that robs me of lower interest rates or better credit deals. Ideally, a process that forces me to accept prime credit cards and high-interest rates despite my excellent credit history.

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 2024-04-14 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: CT

Complaint narrative:
I am the victim of identity XXXX  I disputed seven fraudulent accounts with Trans Union and included a police report and I identity affidavit Trans Union has failed to block the fraudulent accounts and verified that was accurate.

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 2024-04-14 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: GA

Complaint narrative:
XXXX, XXXX, & Equifax are continuing to report incorrect information. There are several name variations and address that are not mine. These are adversely affecting my ability to get credit and this is a violation of FCRA which is the enactment that govern reporting agencies. I would like the documents that each credit bureau used to validate this information in order to report it. 

These names and addresses need to be immediately removed and update to show accurate information which is XXXX XXXX with no other variations because it would be considered identity theft and my only address is XXXX XXXX XXXX XXXX, GA XXXX any other address should be removed immediately. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: GA

Complaint narrative:
XXXX, Experian, & XXXX are continuing to report incorrect information. There are several name variations and address that are not mine. These are adversely affecting my ability to get credit and this is a violation of FCRA which is the enactment that govern reporting agencies. I would like the documents that each credit bureau used to validate this information in order to report it. 

These names and addresses need to be immediately removed and update to show accurate information which is XXXX XXXX with no other variations because it would be considered identity theft and my only address is XXXX XXXX XXXX XXXX, GA XXXX any other address should be removed immediately. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputa
tion of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-04-14 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
( See Attached ) I have reached out to this company numerous times over the course of the past 2 months to remove this accurate account from my credit file to no avail. 

This company has sent out numerous stall tactics to avoid a proper investigation on the matter, despite me sending the information they have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis XXXX XXXX are reporting incorrect information on my consumer report. They have several name variations and address that do not belong to me. I did not receive any solicitation from LexisNexis to dispute this information before they released it and caused me to be denied credit that is my right. Under whose authority is LexisNexis working because federal law states they are required to report accurate information. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX, GA XXXX any other address is incorrect. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: TN

Complaint narrative:
I recently reviewed a copy of my credit report and found fraudulent accounts on my credit report. Please remove these accounts from my report, they're hurting my ability to obtain access to my credit. There are companies reflecting on my credit report that stole my identity. Identity theft is the fraudulent acquisition and use of a person 's private identifying information, usually for financial gain. These companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX are NOT licensed in the STATE OF TENNESSEE TO COLLECT ANY DEBT. The Debt collectors are Illegally attempting to collect a debt. The debt collector has already BOUGHT the DEBT, and is attempting to collect on a debt that is considered income and most likely taxable. I'm requesting XXXX, XXXX, and Transunion to remove these fraudulent accounts from my credit report. considering the fact that I received NO correspondence from the debt collectors letting me know they will report to my credit report which is a violation of my rights as a consumer under the FCRA. I HAVE NO CONTRACT WITH THESE COMPANIES! I'm not talking about the ORGINIAL CREDITOR. Once the debt is bought the original creditor is taken out of the equation. No proper validation of debt has been provided. 



Providing me with the contract that I have with the debt collectors. IF this item is unable to be provided in a timely matter I request that XXXX, XXXX, Transunion removes the fraudulent accounts from my credit report. {$1000.00} per violation, I would like a check mailed to me at the address XXXX, XXXX, and Transunion has on file In the event that XXXX, XXXX, Transunion fails to remove these fraudulent accounts and sends me a check for the violations. I will be forced to file a lawsuit against XXXX for violating my rights as a consumer under the FCRA.

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 2024-04-14 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: TN

Complaint narrative:
I recently reviewed a copy of my credit report and found fraudulent accounts on my credit report. Please remove these accounts from my report, they're hurting my ability to obtain access to my credit. There are companies reflecting on my credit report that stole my identity. Identity theft is the fraudulent acquisition and use of a person 's private identifying information, usually for financial gain. These companies XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are NOT licensed in the STATE OF TENNESSEE TO COLLECT ANY DEBT. The XXXX XXXX are Illegally attempting to collect a debt. The debt collector has already BOUGHT the DEBT, and is attempting to collect on a debt that is considered income and most likely taxable. I'm requesting XXXX, Equifax, and XXXX to remove these fraudulent accounts from my credit report. considering the fact that I received NO correspondence from the debt collectors letting me know they will report to my credit report which is a violation of my rights as a consumer under the FCRA. I HAVE NO CONTRACT WITH THESE COMPANIES! I'm not talking about the ORGINIAL CREDITOR. Once the debt is bought the original creditor is taken out of the equation. No proper validation of debt has been provided. 



Providing me with the contract that I have with the debt collectors. IF this item is unable to be provided in a timely matter I request that XXXX, Equifax, XXXX removes the fraudulent accounts from my credit report. {$1000.00} per violation, I would like a check mailed to me at the address XXXX, Equifax, and XXXX has on file In the event that XXXX, Equifax, XXXX fails to remove these fraudulent accounts and sends me a check for the violations. I will be forced to file a lawsuit against XXXX for violating my rights as a consumer under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: FIRST NATIONAL BANK OF OMAHA
State: KS

Complaint narrative:
I applied for a checking account online with first national bank of Omaha on XXXX XXXX. Within 24hrs my account was open. I went into the branch to ask questions on the new account and to get a instant printed debit card, I was told I must wait for one to be mailed to me since the account was open online, fair and I under stood. I called the next day, XXXX, to see if/ when my debit card will be mailed off. I was told it hasnt been mailed and there was a block placed on my account and that I needed to visit a branch to identify myself and show my ID/ Driver license. I went to the XXXX, KS branch on XXXX and presented my Drivers license to the male teller/banker named, XXXX. XXXX approved that I had ID myself and sent a email to Fruad prevention department stating that customer can in and presented ID as requested and hold-block can now be removed. XXXX stated he would call me back later once he heard back from the Fruad Prevention department. XXXX called me at XXXX, XXXX, and stated the Fruad prevention department approved to left the hold on there end but a branch manager would have to do it, at that time, a manager was not available and he would follow-up with me on Monday, XXXX. I got a called from XXXX on Monday, XXXX, XXXX stating that his manager would not remove the hold. No reason was given, and I requested to have to manager call me. I was told the branch XXXX, XXXX, would call me as soon as he was done with a customer. The manager never called me so I had to call him several times. After talking to the manager it was discovered what he telling me was misleading info and discrimination opening the account. I following direction on what I do to ID myself, and they chose to lie because of who I was. 

I was told by the branch manager, XXXX, that the bank is no longer taking applications online. As of today, XX/XX/2024, I see the bank is in face taking and opening new account online. Another lie told my the bank!!

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 2024-04-14 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: AL

Complaint narrative:
RE : Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) 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.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer report or i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
U.S. XXXX Public filed

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 2024-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
the account should be closed. it saying it still open

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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 filed a complaint disputing several inaccuracies and after the complaint was filed, other inaccuracies were added. Which included improper use of my credit, while violating the privacy 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 explanation