vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-01 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: CA

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. 1. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 2. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 3. XXXX XXXX XXXX- Date of inquiry : XX/XX/2020, has violated my rights. 4. XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 5. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 6. XXXX XXXX XXXX- Date of inquiry : XX/XX/2020, has violated my rights. 7. XXXX XXXXXXXX XXXX Account Number : XXXX, has violated my rights. 8. XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 9. XXXX XXXX Account Number : 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : that 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 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 2022-07-01 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX 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 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
" XXXX XXXX XXXX '' IS MY ONLY TRUE NAME I WOULD LIKE THE FOLLOWING NAME ( S ) LISTED REMOVED FROM MY CREDIT REPORT. 

" XXXX XXXX XXXX '', " XXXX '', '' XXXX '', '' XXXX '', " XXXX XXXX '', XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS MY PHYSICAL ADDRESS, I WOULD LIKE THE FOLLOWING INCORRECT ADDRESSES ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT. 

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 XXXXXXXX THESE ADDRESSES LISTED COULD POTENTIAL REFERRING TO MY FATHER, " XXXX XXXX XXXX XXXX XXXX WHO I INHERITED THE NAME FROM. 

I WOULD LIKE THE FOLLOWING EMPLOYER ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT AS IT IS INCORRECT, WITH NO EXISTING TIN FROM EMPLOYER. 

" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 ( 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. 15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states 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 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
" XXXX XXXX XXXX '' IS MY ONLY TRUE NAME I WOULD LIKE THE FOLLOWING NAME ( S ) LISTED REMOVED FROM MY CREDIT REPORT. 

" XXXX XXXX XXXX '', " XXXX '', '' XXXX '', '' XXXX '', " XXXX XXXX '', " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IS MY PHYSICAL ADDRESS, I WOULD LIKE THE FOLLOWING INCORRECT ADDRESSES ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX 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  THESE ADDRESSES LISTED COULD POTENTIAL REFERRING TO MY FATHER, " XXXX XXXX XXXX XXXX XXXX WHO I INHERITED THE NAME FROM. 

I WOULD LIKE THE FOLLOWING EMPLOYER ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT AS IT IS INCORRECT, WITH NO EXISTING TIN FROM EMPLOYER. 

" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' 15 U.S.C. 1681 ( 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. 15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX 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 2022-07-01 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: CA

Complaint narrative:
The XXXX XXXX XXXX has agreed to delete the account from XXXX XXXXXXXX XXXX XXXX because the account does not belong to me. The XXXX XXXXXXXX XXXX account # XXXX continues to be reflected on my Expirian report.

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 2022-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
My mortgage was transferred to Fay Servicing in XXXX of this year. Fay servicing then sent me an escrow analysis in XXXX letting me know my payment amount would decrease to XXXX starting with the XXXX payment. I have made XXXX and XXXX payments to Fay servicing. The XXXX statement that I was given dated XX/XX/22 also states my payment for XXXX is XXXX. I log on regularly to check so I know that Less then 2 days before XX/XX/XXXX, Fay Servicing has increased the payment amount due for XXXX to XXXX. An increase of XXXX. They have given no explanation and no notice. They have not provided a payment breakdown or a revised escrow analysis. Based on the escrow analysis and the billing statement provided to me in XXXX I have budgeted accordingly and now I am not able to make the new payment. 

I am and have been aware of the mistake Fay Servicing made when completing the escrow analysis and the reasons why the payment is increasing. I have logged on almost every day to see when this error would be corrected and when they would notify me of any changes. I would like Fay servicing to explain the mistake that they made in the response to this complaint and why they changed the payment less then two days before it was due without any notice to me. I would also like a solution given I am not able to make the new payment since Fay servicing has failed in every possible way of doing the one job they are there to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX payment history is INCOMPLETE. Payment for XXXXXXXX XXXX, XX/XX/2016, XX/XX/2016, XX/XX/2016 ' is missing. 

XXXX XXXX account is INCOMPLETE ; it is missing the 'Date of Last Activity '. 

XXXX account is INCOMPLETE ; it is missing the 'Date of Last activity '.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: GA

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2022-07-01 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: GA

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2022-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: AR

Complaint narrative:
I have requested a written notification that was sent by certified mail on XX/XX/2022 disputing debt. I have requested ( I.Q. Data International services ) to provide me with verification of debt. However, I received an alert on XX/XX/2022 from all credit bureaus on a collection account on my credit report. I.Q. Data International has given me a date of XX/XX/2022 to dispute the debt. However, when I called I.Q. Data International and spoke with XXXX XXXX agent ) he was very rude and didn't attempt to research my request. According to XXXX the company does not see a dispute letter on file. However, I have proof that the letter was picked up from the post office on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: TN

Complaint narrative:
The problem with this account is that it was shared without my consent to the credit bureaus not that there is any inaccuracy. XXXX does not have my written consent to share this account and they are continuing to do so. According to the Fair Credit Reporting Act, XXXX is in violation of my rights, this corporation is reporting transactions ( payment history ) on my consumer report. According to 15 U.S.C 1681 2A paragraph 1 states, any report containing information solely as to transactions or experiences between the consumer and the person making the report is EXCLUDED from the consumer report. 15 USC 1681 also states that I have the right to privacy, with this account being shared to the bureaus this violates my privacy rights.

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 2022-07-01 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: TN

Complaint narrative:
The problem with this account is that it was shared without my consent to the credit bureaus not that there is any inaccuracy. XXXX does not have my written consent to share this account and they are continuing to do so. According to the Fair Credit Reporting Act, XXXX is in violation of my rights, this corporation is reporting transactions ( payment history ) on my consumer report. According to 15 U.S.C 1681 2A paragraph 1 states, any report containing information solely as to transactions or experiences between the consumer and the person making the report is EXCLUDED from the consumer report. 15 USC 1681 also states that I have the right to privacy, with this account being shared to the bureaus this violates my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: TN

Complaint narrative:
The problem with this account is that it was shared without my consent to the credit bureaus not that there is any inaccuracy. XXXX does not have my written consent to share this account and they are continuing to do so. According to the Fair Credit Reporting Act, XXXX is in violation of my rights, this corporation is reporting transactions ( payment history ) on my consumer report. According to 15 U.S.C 1681 2A paragraph 1 states, any report containing information solely as to transactions or experiences between the consumer and the person making the report is EXCLUDED from the consumer report. 15 USC 1681 also states that I have the right to privacy, with this account being shared to the bureaus this violates my privacy rights.

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 2022-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2022 CFPB complaint # XXXX, XXXX and certified mail was sent to Transuion disputing the following accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2, XXXX Inquiry date XX/XX/2022, XXXX Inquiry date XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/2022, XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/2022, XXXX Inquiry date XX/XX/2022, XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX, Inquiry date XXXX XXXX, XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022, XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX  Inquiry date, XXXX XXXX, XXXX XXXX Inquiry date XX/XX/2022, XXXX Inquiry date XX/XX/2022, XXXX Inquiry date XXXX XXXX, 2022. 
TRANSUNION failed to respond and investigate said accounts within the 30 day time period. I demand for the said accounts to be remove immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
Hello, I'd like to update a file about XXXX XXXX XXXX and XXXX XXXX XXXX For XXXX : File # XXXX For XXXX : File # XXXX They sent a Wire Transfer Form to XXXX XXXX ( Law Firm XXXX XXXX ) to verify and ask me to pay a {$700.00} Processing fee again I run out of cash due to one fee after the other from them, I am a XXXX person who receives an XXXX XXXX XXXX XXXX XXXX XXXX  ) $ XXXX Check per month how can I afford to pay so please help to address this matter. 
I'd like to know why do I have to pay fee of $ XXXX for TD Bank to wire an amout of $ XXXX to my XXXX XXXX  XXXX XXXX Account XXXX 
Yours Sincerely, XXXX XXXX XXXX XXXX : the funds is $ XXXX ready to deposit in my Bank Account XXXX But I'm in financial Crisis they won't be liable for their misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
Company called at XXXX am on XX/XX/2022

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 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was victim of identity theft in XXXX of XXXX, due to a security breach at work so we were provide with internet and credit monitoring. the perpetrators that got a hold of my info started making charges to my various accounts opening up accounts and making fraudulent charges at XXXX XXXX, XXXX, XXXX, Synchrony bank, XXXX XXXX  and so on. They even tried or change my address to receive the credit cards to their homes. s with out my authorization or consent. 

I place a freeze on my credit in about XXXX of XXXX. 
but now I'm still getting notifications and collection notices from XXXX XXXX XXXX XXXX / /Syncrony Bank XXXX XXXX.These charges were made in XX/XX/XXXX. After the freeze order was placed through XXXX, XXXX, XXXX. 

I did open an account to finance a new heat and air system for my home but we payed that amount in full {$10000.00}. Banking check # XXXX Back in XX/XX/XXXX and it cleared on XX/XX/XXXX According to my bank statement.But those charges of {$9400.00} We done on different account number. I ' have been sending them proof that Idid not authorized the opening of new accounts. 

I currently disputing these charges.

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 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MA

Complaint narrative:
I authorized a credit freeze on the Lexus Nexus with my name on it and my social security number, which they are using without my permission. Lexus Nexus acknowledged the freeze and sent me written documentation. 

They have since unfroze my account without my authorization or permission or lied about freezing my account as I am getting denied home owners insurances as a result of their negligence.

Company response to consumer: Closed with explanation