vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 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:
Accordance with the Fair Credit Reporting Act.List of accounts below has viollated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. section 602A 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 instruction 1.XXXX/XXXX  XXXX  ACCOUNT # XXXX 2.XXXX  XXXX  ACCOUNT # XXXX 3.XXXX  XXXX ACCOUNT # XXXX 4.XXXX/XXXX  ACCOUNT # XXXX 5.XXXX  XXXX  ACCOUNT # XXXX 6.XXXX XXXX  XXXX  .ACCOUNT # XXXX 7XXXX XXXX XXXX ACCOUNT # XXXX 8.XXXX  XXXX  XXXX  ACCOUNT # XXXX 9.XXXX  ACCOUNT # XXXX 10.XXXX XXXX XXXXXXXX # XXXX ALSO # XXXX ALSO XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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:
Accordance with the Fair Credit Reporting Act.List of accounts below has viollated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. section 602A 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 instruction 1.XXXXXXXX XXXX  ACCOUNT # XXXX 2.XXXX  XXXX  ACCOUNT # XXXX 3.XXXX  XXXX ACCOUNT # XXXX 4.XXXX ACCOUNT # XXXX 5.XXXX  XXXX ACCOUNT # XXXX 6.XXXX  XXXX XXXX  .ACCOUNT # XXXX 7XXXX XXXX XXXX ACCOUNT # XXXX 8.XXXX XXXX XXXX  ACCOUNT # XXXX 9.XXXX ACCOUNT # XXXX 10.XXXX  XXXX  XXXX # XXXX ALSO # XXXX ALSO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: VW Credit
State: MN

Complaint narrative:
COMPLAINT RESPONSE- I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

VW CREDIT ( This Collection Is Not My Account ) ID theft ACCOUNT NUMBER XXXX Date XXXX Balance {$32000.00} XXXX XXXX ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$4400.00} Date XX/XX/2021 ( SEE ATTACHMENTS - POLICE REPORT-ID THEFT- FRAUD ALERT )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

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.

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 2022-05-24 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. 

XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX  Account # XXXX, has violated my rights. 

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.

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 2022-05-24 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: MD

Complaint narrative:
Experian, XXXX and XXXX are reporting false information on my credit report. Addresses, accounts and names that aren't mine. One of the addresses was in XXXX and I've never lived in XXXX or visited the state. I've tried multiple times with each credit bureau to resolve the matter but nothing has happened. These companies are violating my rights and privacy to personal information 15 USC Section 604 A Section 2. These institutions are falsely reporting XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX 's XXXX, Bankruptcy, XXXX XXXX, XXXX inquires XXXX This needs to be resolved.

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 2022-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Downloaded Venmo App, loaded 2 credit cards, XXXX XXXX XXXX. I have made NO payments nor has there been any activity on the Venmo account. Venmo sent me an email stating my account was frozen & I was in violation of the user agreement. Called the company & they would not disclose why. Emailed the company & have not received a response. Account is still frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Caine & Weiner is mistakenly reporting on my credit. My obligation with the original creditor XXXX was fullfilled. There should be nothing in collections. Please delete. See attached as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: MA

Complaint narrative:
I submitted my complaint, police report and identity theft report from the FTC XXXX Federal Trade Commission ). Today I'm submitting a new complaint specifically because I made an FTC ( Federal Trade Commission ) Identify Theft Report today XX/XX/2021. I've mailed a copy of the identity theft report to Equifax and XXXX today along with a copy of my passport and social security card. I had mailed a copy pf the police report last week so I figured I didnt need to re-upload it to this new complaint. I figured it would be efficient to also notify CPB ( Consumer Protection Bureau ) of my FTC Identify Theft Report. I've attached a copy of my Identity Theft Report to this complaint. There is an account called DEPT OF EDXXXX that is being reported under my name to the credit bureaus and the balance appears to be {$41000.00}. What makes this account very suspicious is that it is being reported as Pay as agreed even though I do not pay this account and I do not even know what it is. This account should be removed from my credit report because that isnt my loan. Also why is it being reported as pay as agreed If I dont pay that account or know what it is?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: HW Holding, Inc
State: MN

Complaint narrative:
COMPLAINT RESPONSE- I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX ( This Collection Is Not My Account ) ID theft ACCOUNT NUMBER XXXX Date XXXX Balance {$32000.00} XXXX XXXX XXXX XXXX - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$4400.00} Date XX/XX/2021 ( SEE ATTACHMENTS - POLICE REPORT-ID THEFT- FRAUD ALERT )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: MN

Complaint narrative:
COMPLAINT RESPONSE- I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX ( This Collection Is Not My Account ) ID theft ACCOUNT NUMBER XXXX Date XXXX Balance {$32000.00} XXXX XXXX ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$4400.00} Date XX/XX/2021 ( SEE ATTACHMENTS - POLICE REPORT-ID THEFT- FRAUD ALERT )

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 2022-05-24 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:
In XXXX, I had a grant overpayment assigned to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX began reporting the item to Experian in XX/XX/XXXX. The consumer reporting laws state that a negative item can only be reported for seven years. In XX/XX/XXXX, I paid the debt in full and my credit report reflects that. However, the month and year that the item went into collections is incorrect. Experian continues to report that the only month the item was in collections, is the month I settled the debt, instead of what is accurate. The account should be reported as a collection account from XX/XX/XXXX through XXXX XXXX, not XXXX XXXX is long past the amount of time the item can legally be reported. Despite my disputing the item for correction at least a couple dozen times, Experian continues to report this. Experian continues to report that this item entered into collections on the same day that I paid it off, which has restarted the seven year time clock on an item that's actually XXXX years old now. XXXX and XXXX were reporting this same item correctly and as a result, the item fell off without my involvement. Experian responded to my most recent complaint filed with CFPB, by lying, stating that the item is no longer on my credit report. I have filed at least two dozen disputes directly with Experian and never have they claimed that the item did not exist on my report. not once. Instead, there is a person on the other end of my laptop, that opens and closes my disputes with five minutes of my submission. Also, I noticed that Experian has done close to 30 soft pulls on my credit report in the last year alone. Please take a deeper look into which employee is mishandling my credit file. If they are unphased by CFPB, I feel I maXXXX need to take this to court.

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 2022-05-24 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: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
The company listed as ALLSTATE CREDIT BUREAU INC has fraudulently did a hard inquiry on my credit report posing under the guise of being a credit reporting agency and they are in fact not. They also list themselves as a lender or bank which they are in fact not. I have reported this with XXXX as this is the only place I have seen don't do a hard inquiry so far however that is because on XXXX I have a temporary freeze on my account and on XXXX I'm going to place one as well. I am unable to freeze my account on XXXX because it charges a fee to do so. This company is out of XXXX XXXX Michigan I have attempted to contact them and nobody ever answers the phone number that they list. Further research online shows that they have done this to other people and it's fraudulent. I have no credit collections I have no outstanding bills and I do not know who this company is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX and 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 2022-05-24 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX and 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 2022-05-24 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: Colony Brands, Inc.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV

Complaint narrative:
On XX/XX/2022 I was scammed online through my Fifth third account. They purchased XXXX XXXX accounts in the amount of {$500.00} each for a total of {$1000.00}, then attempted to steal money from my home equity account. Fortunately I was able to stop that from happening, and got all of my money back except for the {$1000.00} for the XXXX accounts, which were promptly closed. The bank has disputed this amount, stating I had done this when I had not, then took {$1000.00} from my checking account. They claim I owe them the {$1000.00}. Since then they have taken {$530.00} from my savings and have turned me into a collection agency for the rest. I did not make these transactions and I have filed a police report about it. The bank has turned down my appeal, but I believe I am entitled to Regulation E Protection, which states the bank is required to refund stolen money. Is there anything you can do to help me resolve this, or direct me to someone who can? I appreciate your attention and time. 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24 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 my bankruptcies case numbers XXXX, XXXX, XXXX has been violated. I applied for auto credit, without my knowledge numerous companies ran my credit without my permission 15 U.S.C. 1681SECTION 602 A states I have the right to privacy U.S.C. 1681 SECTION 2 It also states a Consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
XXXX XXXX ran my credit with several banks on XXXX. EXETER financial will not take the hard inquiry off my credit report, I sent the letter from XXXX XXXX to them showing that they were not suppose to run my credit, they did not have authorization to do this. Exeter financial sent me the letter attached and told me to contact the dealership, I already have, the dealership wrote a letter and said to send it to exeter financial and the other banks. They wont take it off and I have proof they need to. This is unacceptable and fraud at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: FL

Complaint narrative:
My name is XXXX XXXX. On XX/XX/XXXX of XXXX I was reviewing my credit report, right on my birthday, as I wanted to open a business checking account, and my XXXX XXXX was showing XXXX and XXXX scores XXXX and XXXX points accordingly. I will attach pictures of those scores as of XX/XX/XXXX. Next, I went and checked my experian score and it was XXXX points I have noticed that there is an account reporting ( XXXX  XXXX XXXX XXXX ) ( Account # XXXX ) ( open date : XX/XX/XXXX ). I have no knowledge of this account and its negatively affecting my credit rating. This account is CLOSED and it is only reporting on Experian, as of XX/XX/XXXX. I have no knowledge of this account and there are several errors and incorrect information. There is no complete payment history reported and its NOT matching across the XXXX bureaus. I have asked Experian to investigate on this error and it has been over 60 days and nothing was updated. The open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 
In accordance with the Fair Credit Reporting act, this 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.

I have never given any authorization for this account to be reported on my Experian credit report.

Attached are all the supporting documents from credit bureaus, and FTC identity theft 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