vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 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: CA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/13 Balance : {$0.00}. Please remove this fraudulent account ASAP.

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 2023-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
all inquiries on my report shall be removed permanently all late payments removed permanently an all credit utilization shall be removed permanently from my report due to the fact i have not given any written instructions to furnish anything on my report Because of this improper reporting they violated 15 usc 168 ( a ) ( 4 ) -Accuracy and fairness of credit report, to which the consumer agency has to respect my rights to privacy. also they have violated 15 usc 1681a ( 2 ) ( i ) -Exclusions, the consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report, reporting payment history an credit utilization violates my consumer rights. they also have violated 15 usc 1681b- Permissible purpose of consumer reports, the consumer reporting agency can only furnish information In accordance with the written instructions of the consumer to whom it relates and i have not given my written instructions. also Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, to which they have not done on my behalf which has caused me great pain an suffering due to the fact i cant obtain a loan for {$30000.00} that i needed for a new home.

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 2023-04-09 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: OH

Complaint narrative:
Hi, I believe it's possible someone has opened accounts in my name without my consent. I believe the credit bureaus has made numerous errors. First thing I am a living human. I have rights section 15 USC 1681 XXXX, XXXX, and Experian is govern by section 15 USC 1681 And they have violated my rights numerous times. I demand these accounts listed in this report to be removed. According to 15 USC 1681 I have a right to privacy, and I did not give Experian, XXXX, and XXXX permission to furnish these accounts. XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, these accounts are hindering me from moving forward with my finances, and should be removed. Most accounts are passed the statute of limitations that's allowed to be reported on credit report. Meaning it has been on my credit report past 7 years. I am at a loss for words on how this can happen to an American tax paying citizen. 

These hard inquiries I did not make, nor did I authorize for these companies to run my credit, 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 non-monetary relief
Consumer complaint received 2023-04-09 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: TX

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 explanation
Consumer complaint received 2023-04-09 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: EdFinancial Services
State: HI

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. 



EdFinancial Services ( Department of Education ) : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 



15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: FL

Complaint narrative:
Hello, I purchased some floor tiles from XXXX XXXX XXXX. To make this purchase I opened a new XXXX XXXX XXXX XXXXredit account which is actually a credit account thru XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Account # XXXX The tiles that I purchased were delivered broken and some were unusable. I contacted the merchant for weeks to attempt to resolve the issue but they refused to provide replacement tiles to me. As such I mailed their company a letter informing them I would not pay any balance due until the matter is resolved. 

I then contacted XXXX XXXX by letter informing them I disputed the entire balance due and that I wanted them to communicate to the merchant that I was refusing to pay the balance because they had not delivered all the tiles as promised. 

This was in XXXXXXXX XXXX XXXXXXXX. I waited three months for a reply from XXXX XXXX only to be told they never received my dispute in the mail and that I needed to start over and send all of my information again. 

In XXXX XXXX XXXX I provided XXXX XXXX all of the documents again including my explanation letter describing my dispute and the bank acknowledged they now posses my dispute. 

It is now XX/XX/XXXX and XXXX XXXX  has still not resolved this matter however XXXX XXXX  has started reporting late payments to the three credit reporting agencies and my credit score is dropping drastically.

It has been over 6 months since I first disputed this issue with the bank and it is totally unfair that they have yet to resolve this matter. I have provided them clear photographic evidence that the tiles were broken, this should be an open and shut case in my favor. 

I need assistance getting XXXX XXXX  to finally act and resolve my dispute. 

I should also mention I have used the tools the credit agencies provide to dispute this account on my credit report but they always just indicate the account information is accurate and do nothing.

The information *is not accurate and I do not actually think any real attempt is being made to rectify this issue by the three credit reporting agencies.

Thank You in advance for any help you can provide me. 

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 2023-04-09 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: FL

Complaint narrative:
Hello, I purchased some floor tiles from XXXX XXXX XXXX. To make this purchase I opened a new XXXX XXXX XXXX credit account which is actually a credit account thru XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Account # XXXX The tiles that I purchased were delivered broken and some were unusable. I contacted the merchant for weeks to attempt to resolve the issue but they refused to provide replacement tiles to me. As such I mailed their company a letter informing them I would not pay any balance due until the matter is resolved. 

I then contacted XXXX XXXX  by letter informing them I disputed the entire balance due and that I wanted them to communicate to the merchant that I was refusing to pay the balance because they had not delivered all the tiles as promised. 

This was in XXXXXXXX XXXX XXXX. I waited three months for a reply from XXXX XXXX  only to be told they never received my dispute in the mail and that I needed to start over and send all of my information again. 

In XXXXXXXX XXXX XXXX I provided XXXX XXXX  all of the documents again including my explanation letter describing my dispute and the bank acknowledged they now posses my dispute. 

It is now XX/XX/XXXX and XXXX XXXX  has still not resolved this matter however XXXX XXXX  has started reporting late payments to the three credit reporting agencies and my credit score is dropping drastically.

It has been over 6 months since I first disputed this issue with the bank and it is totally unfair that they have yet to resolve this matter. I have provided them clear photographic evidence that the tiles were broken, this should be an open and shut case in my favor. 

I need assistance getting XXXX XXXX  to finally act and resolve my dispute. 

I should also mention I have used the tools the credit agencies provide to dispute this account on my credit report but they always just indicate the account information is accurate and do nothing. 

The information *is not accurate and I do not actually think any real attempt is being made to rectify this issue by the three credit reporting agencies. 

Thank You in advance for any help you can provide me. 

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 2023-04-09 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: TX

Complaint narrative:
Transunion is choosing to update my credit balance with XXXXXXXX XXXX to reflect the {$0.00} dollar balance and then changing it back to the old balance. They corrected the balance last week. They also changed the balance to {$4100.00} which is not accurate. I reached out to XXXX XXXX  and they provided me with a {$0.00} balance letter to give to the credit reporting agencies. 

Transunion is also reporting the wrong information for XXXX XXXX. My balance with XXXX XXXX  is {$3700.00} and my credit limit is {$8000.00}. Transunion is reporting that my credit limit is {$5000.00} when it is {$8000.00}. 

So, XXXXXXXX XXXX  nor XXXX XXXX is not the problem. I have never had a problem with them. It is the tactics of Transunion switching the balance every other day which is the problem.

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 2023-04-09 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: NJ

Complaint narrative:
I, XXXX XXXX, am a natural human being and I have rights under 15 USC 1681. Experian is govern by 15 USC 1681. And they have violated my consumer rights multiple times. I demand the accounts listed here are modified and updated to Paid as Agreed : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX, XXXX, XXXX The credit bureaus are not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission According to 15 USC 1681 I have the right to privacy According to 15 USCs-2 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.

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 2023-04-10 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: NY

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX  Balance {$8100.00}

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 2023-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I called regions on XX/XX/2023. I called to apply for a XXXX personal loan, I was denied the loan because my credit score. 12 CFR 1002 says you cant not discriminate against me for any reason including my credit report. I called to talk to fraud about the situation at hand but no one was helpful in the situation.

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 2023-04-10 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: FL

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 non-monetary relief
Consumer complaint received 2023-04-10 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: FL

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
This is regarding a charge for a purchase that the shipping carrier returned to the sender, the merchant, and the merchant ( XXXX ) has signed for the delivery indicating it has received the returned package that correlates to my original order tracking number, charged to my Chase credit card ending in XXXX. 

I purchased 2 items from XXXX on XX/XX/2023 and was charged {$5800.00}. XXXX shipped me this order ( Order Number XXXX ) using XXXX ( XXXX  tracking XXXX ). I disputed the charge because the XXXX  tracking clearly shows that the items were returned to sender using the XXXX carrier the merchant chose to ship the item with, and was delivered back to XXXX warehouse signed by XXXX on XX/XX/XXXX. Chase decided in favor of the merchant XXXX because they supposedly provided an XXXX  proof of delivery on stating the items were delivered on XX/XX/XXXX. But I provided XXXX  proof of delivery for the same tracking number showing it was returned to sender and delivered ( signed and received by XXXX ) at their warehouse of shipment origin on XX/XX/XXXX. The XXXX  proof of delivery showing the items are returned to the sender showing delivery back at the merchants warehouse AFTER the proof of delivery XXXX provided should trump what XXXX provided becusee XX/XX/XXXX is AFTER XX/XX/XXXX, and the tracking shows the items were being returned to sender on XX/XX/XXXX, so obviously I as the consumer should not be responsible for any error on the part of the merchant or their shipment carrier where they returned the items back to the merchant and received them. I as the consumer should not be held responsible to pay any order where the items were returned to sender and XXXX clearly received them back after XX/XX/XXXX, because the XXXX  tracking clearly shows XXXX received the items returned to sender on XX/XX/XXXX. XXXX tracking XXXX. I am owed my money back and XXXX promised to send me replacements but then canceled that and refused to refund me for the items that were returned to sender. Chase somehow is neglecting basic carrier tracking information showing it was delivered returned to sender signed by XXXX on XX/XX/XXXX. I no longer have the items and the merchant has them. The consumer should not be held responsible for any items that were returned to sender, the merchant XXXX.

Company response to consumer: Closed with explanation