vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX aXXXX XXXX account # XXXX Unknown Furnisher account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, The XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, and XXXX XXXX # XXXX have violated my rights. 

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 an 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 explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
While reviewing my credit report, I notice a few discrepancies and inaccurate information being reported on my XXXX XXXX 1. The account type on XXXX and XXXX shows an Auto Loan but on Equifax it appears to be blank. 
2. The open date for XXXX and Equifax shows XX/XX/XXXX but XXXX shows XX/XX/XXXX. 
3. The balance on XXXX and Equifax shows {$9.00} but XXXX show {$0.00} XXXX. The day active date for XXXX was XX/XX/XXXX, Equifax XX/XX/XXXX, and XXXX XX/XX/XXXX. 
5. The last payment date for XXXX shows XX/XX/XXXX, XXXX XX/XX/XXXX and Equifax- XX/XX/XXXX. 
6. The report date for XXXX is XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. 

You are furnishing inaccurate information to my consumer report. 


You are in clear violation under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
While reviewing my credit report, I notice a few discrepancies and inaccurate information being reported on my XXXX XXXX 1. The account type on XXXX and Experian shows an Auto Loan but on XXXX it appears to be blank. 
2. The open date for Experian and XXXX shows XX/XX/XXXX but XXXX shows XX/XX/XXXX. 
3. The balance on Experian and XXXX shows {$9.00} but XXXX show {$0.00} 4. The day active date for Experian was XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. 
5. The last payment date for XXXX shows XX/XX/XXXX, XXXX XX/XX/XXXX and Equifax- XX/XX/XXXX. 
6. The report date for XXXX is XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX. 

You are furnishing inaccurate information to my consumer report. 


You are in clear violation under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian, XXXX are still reporting XXXX XXXX account. As original creditor that I owe them. {$860.00}, when this account was sent to XXXX  XXXX XXXX XXXX. These XXXX credit reporting agencies. Are allowing fraudulent information to be seen by possible companies. For loans, credit cards, etc Per FCRA & FDRCA, original creditor cant report and outstanding balance due or past balance. In the amount more than XXXX. Accounts in collections cant report a past due balance or balance due either. Ive tried on several occasions. To contact XXXX XXXX about. Them reporting a balance above XXXX. Experian & XXXX reporting this account. Makes my debt amount higher. Than should be reported.

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has erroneous/ false payment records they claim i was a customer of XXXX XXXX XXXX  from XXXX. 
however the record only reflects XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like Equifax to provide me with the documents I requested, it's all indicated in the attachment. I want them to also do their job fairly and legally, as per the FCRA Section 611 they are required to delete or update any information that they can not legally verify. They need to be held responsible for not following the laws. They are not above the law. I wish for any accounts they failed to verify to be removed from my credit report, they had more than enough time to investigate, even more than what's indicated in 15 U.S.C. 1681i which is 30 days upon the receipt of my letter. It's impossible for them not to receive any of my letters because I've written them multiple times. Additionally, as per 15 U.S.C. 1681c their reporting should have Indication of dispute by consumer AND UP UNTIL THIS DATE THERE IS NONE DESPITE BEING DISPUTED FOR MONTHS NOW! If possible, I also want to receive monetary compensation for all the distress and XXXX they have caused me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I did a forbearance with XXXXXXXX XXXX XXXXXXXX and was completely mislead. 
Per XXXX, I could do a forbearance and this would not harm my credit in any way. I explained ; I would not be able to pay the amount at the end of the forbearance, they said not a problem. I could put amount that was owned on the end of my loan and do a modification, I said that works. Well, I did the modification but did not know my credit would be affected. I have been trying to get the negatives taken off my credit report and XXXX refuses, they stated letters were sent to me. I explained that my XXXX year old mom XXXX had a XXXX XXXX in XXXX, then another one in XXXX, so I never read any letters, I trusted what they were saying to me : GOD WHAT A MISTAKE. You can understand the stress that I was under and financial problem due to COVID-19. The worst part is I sold my house, and XXXX knew I was selling the house. I now can not get a mortgage company to give me a loan. I am XXXX and have worked my whole life for good credit. My credit has gone from in the XXXX hundreds down to the XXXX hundreds. I will be XXXX. I am a registeXXXX XXXX XXXX XXXX. I am sick over this. I don't know where to turn for guidance, please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, 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: AR

Complaint narrative:
In accordance with the fair credit reporting act, the XXXX XXXX has violated my federal consumer rights to privacy and confidentiality under 15 U. S. C 1681 XXXX XXXX account number XXXX 15 U. S. C 1681 ( a ) ( 4 ) I have the right to privacy 15 U. S. C 1681b ( 2 ) it also states a consumer reporting agency can not furnish a account without my written instructions I provided certified mail tracking which came back XX/XX/2022 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 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I opened an account with Wells Fargo. I transferred {$25.00} from another bank and deposited a {$200.00} check in person on XX/XX/XXXX, transaction # XXXX XXXX. Unfortunately, I am not able to access my account online through the app, or by phone rep. I have also not received my Welcome Packet. This makes it impossible to make a direct deposit in time to qualify for the {$300.00} promo offered online at the time that I opened the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My name is copy written and in violation of my consumer rights. Under 15 U.S.C. 1681 Section 604 A Section 2. This is in violation because I did not give written permission. Enclosed was my copyright sent to the bureas and I have a national UCC-1 attached to my name as private. 
Delete the following negative accounts -- XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. Certified mail was sent out on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: OH

Complaint narrative:
Filed an application for personal loan on XX/XX/XXXX. They required paystubs and ONLY paystubs as proof of income and employment on their application. I am paid from a government grant and submitted my tax documentation and offered my W-2 in order to verify my employment. The customer service agent told me I needed to get additional documentation from my work outside of a W-2 to verify employment for which I decided to withdraw my application on XX/XX/XXXX as they insinuated they could not verify my app. with a W-2. As I was now unable to get approved by other bureaus due to a recent unsecured loan which *I* withdrew, I reconversed with SoFi customer support who indicated that they actually COULD verify my employment with a W-2, contrary to what I was told before withdrawing my original application. When I opened a new application on XX/XX/XXXX for 1. the same loan amount, and 2. without a new credit check as they store credit info for 30 days my interest rate had increased 15 % from the original loan offer. When I asked what warrants an increase of 15 % in 1 day, for the same amount, and with no change in credit I was told that rates are based on credit check ( which remained from the original application ) and the application amount requested/income ( which had not changed ). When I requested further information or someone to talk to regarding this extreme increase they claimed to not have access or know what the rate was based on. A 15 % increase in one day for the exact same application seems extremely predatory? and based entirely on the whims of the company and not the actual market or application. I would like a response from the company which outlines *specifically* the basis for the 15 % increase in set interest rate between my two applications and I would like the inquiry on my credit from this company removed as 1. I withdrew on the basis of receiving incorrect information, 2. they refuse to provide a fair rate, and 3. render me unable to secure a fair loan from another company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Attempting to collect on an alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 would like Experian to provide me with the documents I requested, it's all indicated in the attachment. I want them to also do their job fairly and legally, as per the FCRA Section 611 they are required to delete or update any information that they can not legally verify. They need to be held responsible for not following the laws. They are not above the law. I wish for any accounts they failed to verify to be removed from my credit report, they had more than enough time to investigate, even more than what's indicated in 15 U.S.C. 1681i which is 30 days upon the receipt of my letter. It's impossible for them not to receive any of my letters because I've written them multiple times. Additionally, as per 15 U.S.C. 1681c their reporting should have Indication of dispute by consumer AND UP UNTIL THIS DATE THERE IS NONE DESPITE BEING DISPUTED FOR MONTHS NOW! If possible, I also want to receive monetary compensation for all the distress and XXXX  they have caused me and my family.

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the following accounts repeatedly for the a few years now with no result. ( XXXX most recent date of dispute for inaccurate reporting ) US Dept. of ED and XXXX XXXX ( past the 6year statue of limitations for reporting student loans ) I have 4 of these accounts reporting to Equifax alone. Two of the schools I attended were closed due to fraud ( misleading students ) I have already submitted my Borrowers Defense paperwork for both schools ( XXXX XXXX and XXXX ). Three additional accounts are big balance XXXX  XXXX transfer accounts ONLY being reported to Equifax .Four accounts are reporting ( Collections /Charge off ) status and they are showing a balance due. Also I have a new accounts that are not reporting to Equifax with is negatively affecting my credit score. ( XXXX XXXXXXXX Account ).

Company response to consumer: Closed with explanation