vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX 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 explanation
Consumer complaint received 2022-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-26 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: GA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX. 
Account XXXX XXXX Account # XXXX XXXX XXXX XXXX # 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 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 2022-09-26 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: GA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX. 
Account XXXX XXXX Account # XXXX XXXX XXXX XXXX # 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 consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to delete any items recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX XXXX XXXXXX/XX/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 2022-09-26 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: PA

Complaint narrative:
I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX*Balance : {$560.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXXXXXX XXXX XXXXXXXXBalance : {$180.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance : {$1200.00} XXXX XXXXXXXXBalance : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: PA

Complaint narrative:
I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXBalance : {$560.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX*Balance : {$180.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance : {$1200.00} XXXX XXXXXXXXBalance : {$2500.00}

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 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These items are inaccurate and are injurious to my credit rating. 
The following inquires were never authorized : EQUIFAX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX SERVICE Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX This is inaccurate reporting and damaging my credit report. 

within the Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act. my privacy and confidentiality is at stake because of this false reporting.

under 15 U.S.C 1681 section 602 A.

according to this section my rights of privacy are recognized.

under 15 U.S.C 1681 Section 604 A Section XXXX : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. 
None of those agencies mentioned within this complaint never had any instructions from me nor Equifax or XXXX. 

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization form the agency to provide such report. 
I never authorized None of those agencies mentioned within this complaint nor Equifax or XXXX to make such reports. 


15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported by agencies mentioned within this complaint and Equifax and XXXX. 


I NEED THESE INQURIES REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FILED FTC IDENTITY THEFT REPORT # XXXX BECAUSE XXXX, XXXX AND XXXX HAS INQUIRES ON MY CREDIT REPORT THATS NOT MINE ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2022 XXXX XXXX XXXX Date of inquiry XX/XX/2022 XXXX XXXX XXXX Date of inquiry XX/XX/202XXXX XXXX XXXXXXXX // Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX  Date of inquiry XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX // Date of inquiry XX/XX/XXXX XXXX XXXX XXXX // Date of inquiry XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Date of inquiry XX/XX/2022 XXXXXXXX XXXX XXXX // Date of inquiry XX/XX/2022 XXXX XXXX XXXX XXXX // Date of inquiry XX/XX/2022 XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2022 Date of inquiry XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX // XX/XX/2022 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX has five accounts in my name the first one was opened in XX/XX/XXXX the second one was XX/XX/XXXX the third one was XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX my phone has been hacked 6 times I has to replace my phone twice one amount for XXXX XXXX was XXXX and the other one is XXXX the other on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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 explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I went to dealership to get funded for a car and they ran my credit too often. I was wondering if you can remove these inquiries.

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 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: EAST WEST BANK

Complaint narrative:
Bank : East West Bank APP name : XXXX I would like to write you about service fees which the bank charged from my account. It is unfair and unreasonable. And I am kindly asking back this service fee back which were charged from my account. From XX/XX/XXXX to XX/XX/XXXX, full service fees are XXXX Dollars. 

One of the most important reasons is : there is no clear Clarification and Notification from bank official website about how to calculate the average monthly account balance, which misleads customers. I put XXXX Dollars on the account, but still charge the service fee every month XXXX Dollars with 13 months. 

What people on bank website could find is only " XXXX XXXX monthly account management fee. The monthly account administration fee is waived for meeting the {$2500.00} average monthly account balance or the {$10000.00} combined monthly average balance of all deposit accounts. 

There is no other related information about how to calculate the average monthly account balance, even without any NOTIFICATION. This confuses and misleads customers. 

Here I would like to explain why the NOTIFICATION is necessary, and why this misleads customers. 
After chatting with your customer service online. The way to calculate the average balance is really complicated. 
I asked customer service : HOW TO ACHIEVE XXXX SERVICE FEE THIS MONTH. The answer is : Now my average balance is {$2200.00} .If I want to achieve XXXX service fee this month, in XXXX XXXX I should deposit {$3900.00}, or in XXXX XXXX I should deposit {$4400.00} and keep it in my account till end of the month. 
We could see that every day deposit amount is so different. Therefore, it is NECESSARY to write a detailed calculation method on bank website. 

Because of the lack of necessary explanation, clarification and notification of such complicated calculation methods of average balance, which misleads and even cheats customers. The bank charged from me XXXX Dollars. It is unfair and unacceptable. I kindly ask to pay me back about these mentioned fees. 

As a customer, we do not exactly understand how the rule works. And only understand there will be no service fee when account balance is {$2500.00}. And I put in XX/XX/XXXX {$6600.00} in this account, and in XX/XX/XXXX still XXXX Dollars in the account until today. But still your bank charges the service fees, every month {$25.00}. And this cost all because of the lack of any notification of such complicated average balance. How to explain the AVERAGE BALANCE there is always no explanation on your website. 

Here is the web page which the customer servicer sent me. 

XXXX XXXX XXXX No clarification and notification about how to achieve the XXXX service fee. I put XXXX Dollars on that account still charged the fee every month, and now it is 13 months already. It was XXXX Dollars. 

Kindly ask help from ConsumerFinance. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
I made a final lump sum payment of {$11000.00} to edfinancial on XX/XX/2022 to end my outstanding loans on file with them. Shortly later in the month XXXX XXXX announces the loan forgiveness program which I would like to take advantage of, however I would like a refund of the payments I just made. I was told it would take 150 days from XX/XX/XXXX in order to receive the money back which is absolutely absurd and not fair treatment I would like to have the refund in a respectable amount of time not in 150 days. On top of that I have been hearing conflicting reports from multiple employees they need more staffing to handle the influx of requests. 

EdFinancial is giving ranges of 150 business days to a year while other service providers are processing within 4-6 weeks and sometimes within 2 weeks. No confirmation of request for X amount. You need the balance reinstated and refund ASAP for forgiveness eligibility. fined for misleading consumers and their latest data breach too

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-09-26 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

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 2022-09-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This was not sent in error i am a consumer by law and my information is miss used and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.

Company response to consumer: Closed with explanation