vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-03 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: CT

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. 

Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 2023-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; total accounts, open accounts, closed accounts, balances, payments, and inquiries were properly investigated but how is that possible if the last activity date for each account is different? This is clearly inaccurate which means it is grounds for removal, update information, for claims of up to {$1000.00} per violation. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law also states that if a credit bureau places information on a report it knows to be inaccurate, a consumer can claim up to {$1000.00} for each willful violation. I have not made late payments to companies XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX This in inaccurate reporting and needs to be removed from my credit report immediately or furher action will be in pursuit per the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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: NY

Complaint narrative:
AS XX/XX/XXXX I HAVE NOTICE FRAUDULENT INQUIRES IT IS NOW XX/XX/XXXX THE 3 CREDIT BUREAS AND THE COMPANIES LOSTED BELOW TOOK MORE THAN 45 days to respond according to the " FAIR CARES ACT '' ALL COMPANIES INVOLVED ARE NOW VIOLATING THE LAW! 
REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY BEFORE I HAVE TO MAKE LAW SUIT!!!! 

Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type All Banks Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Phone number By mail only ( tel : MAIL % XXXX ) XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX ( XXXX ) XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX ( XXXX ) CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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:
AS XX/XX/XXXX I HAVE NOTICE FRAUDULENT INQUIRES IT IS NOW XX/XX/XXXX THE 3 CREDIT BUREAS AND THE COMPANIES LOSTED BELOW TOOK MORE THAN 45 days to respond according to the " FAIR CARES ACT '' ALL COMPANIES INVOLVED ARE NOW VIOLATING THE LAW! 
REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY BEFORE I HAVE TO MAKE LAW SUIT!!!! 

Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type All Banks Contact info Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Phone number By mail only ( tel : XXXX XXXX XXXXXXXX ) XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXXXXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX, XXXX Phone number ( XXXX ) XXXX ( XXXX ) XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX  XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX ( XXXX ) CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 2023-07-03 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2023-07-03 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: FL

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.

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 non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Western Mercantile Agency, Inc
State: OR

Complaint narrative:
I sold a vehicle to an individual approximately XXXX year ago and the buyer never registered the vehicle into his name. The trailer park were said individual lived had the vehicle towed from the property by XXXX XXXX XXXX western mercantile insists the debt is mine, however I have a Bill of sale from the transaction. I sent an email of the bill of sale to western Mercantile agency And they said that the signatures do not match which is not true, the buyer and seller signed the bill in front of XXXX another and the buyer will attest to the transaction. This is not my bill and I provided proof to no avail. The owner of the towed vehicle is responsible for this debt, not myself. I do not live at the address it was towed from not have I ever lived at said address.

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 2023-07-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; total accounts, open accounts, closed accounts, balances, payments, and inquiries were properly investigated but how is that possible if the last activity date for each account is different? This is clearly inaccurate which means it is grounds for removal, update information, for claims of up to {$1000.00} per violation. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law also states that if a credit bureau places information on a report it knows to be inaccurate, a consumer can claim up to {$1000.00} for each willful violation. I have not made late payments to companies XXXX XXXX XXXX Date XXXX XX/XX/2019 XXXX XXXX  Date : XX/XX/2019 XXXX This in inaccurate reporting and needs to be removed from my credit report immediately or furher action will be in pursuit per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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 Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$6300.00}, XXXX XXXX, ACCOUNT NUMBER:XXXX, BALANCE : {$4600.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$2300.00}, XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX, BALANCE {$5200.00}, XXXX XXXX XXXX ACCOUNT NUMBER : XXXX , BALANCE {$20000.00}, XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX , BALANCE : {$4900.00}, XXXX XXXX ACCOUNT NUMBER : XXXX, BALANCE {$1100.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$1100.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$22000.00}, INQUIRIES : 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 

15 U.S.C 1681 section 602 A. States I have 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 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 2023-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: MO

Complaint narrative:
My grown son, XXXX XXXX, opened an account with XXXX XXXX. He was estranged from us ( I am his dad ) and he passed away of a drug overdose on XX/XX/2023. A representative contacted me a couple of months back asking for XXXX to recover the amount of {$120.00}. I informed the rep of his death and she said not to concern myself with the debt, and that XXXX would cancel the debt. Then we got a letter for collection from Diversified Adjustment Service in XXXX, MN. The representative there said to contact your bureau and to submit his death certificate. It is attached with the letter that Diversified Adjustment Service sent to us. We are not liable for this debt as XXXX was out of our home, homeless and addicted to drugs when he opened an account with XXXX. Please reference the attached documents for further action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For the last month I have tried to log into Transunions website to view my credit report. I receive an error message saying Im unable to retrieve online and to call or mail my request. On today, XX/XX/2023 I spoke with XXXX different agents XXXX, XXXX being a supervisor by the name of XXXX XXXX hung up in my face but not before XXXX XXXX being unprofessional because he hung up in my face told me that the reason Im unable to view my report online is because my social security number was mixed up with another number therefore creating an error. Which I feel could leave the possibility of incorrect information being placed on my report. I have not been able to resolve this issue and I feel there has been a breach on Transunions part. I want to resolve this amicably before I consult an attorney.

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 2023-07-03 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:
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. 

Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC
State: FL

Complaint narrative:
I dont have an account with this company. The name of the company is explore credit. When I received a charge through my checking account in the amount of {$280.00} I began to research who this company was to find a phone number to call them and let them know that this charge to my checking account was fraudulent. I had spoke to someone by the name of XXXX who advised me that I had applied for a loan and received {$900.00} and they were debiting my account. I explained to the customer service rep that I did not apply for a loan and I didnt even know anything about them. I explained that they should not be taking out any funds from my account. He then put me on hold, asked me for my Social Security number, which I was reluctant to have to give him to get the any where with the situation. 

He advised me that there was an error and that it would take 3 to 5 business days for the funds to go back into my account. I explain to him that I didnt have an account with him. Why is it taking so long for the funds to end up back into my account, he stated that thats just how Banking works. I said to him do you just go around just taking money out of peoples accounts that dont even have an account with you I mean how did you get my information anyways, he couldnt answer that question. I explain to him that he had put me in a horrible bind as I have XXXX XXXX XXXX XXXX and a holiday tomorrow. He couldve cared less but I find it kind of strange that this gentleman had my information including my checking account information as well as my Social Security number and I did not have an account with his company nor did I ever apply for a loan with them, they now have my money and are telling me that I have to wait. He told me I could contact my bank and they could put a request in to reverse the funds. I explain to him that it should not be up to me to have to deal with any of this Since I didnt have dealings with his company that they have put me in a horrible bind he gave me an empty gesture and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: NC

Complaint narrative:
incorrect information on my credit 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