vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-17 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: FL

Complaint narrative:
I have received my XXXX XXXX ( Report # : XXXX ) however accounts have not been deleted due to inaccuracy. According to the FCRA there are MULTIPLE VIOLATIONS reporting inaccurate on my credit reports. I have attached an original copy of ALL XXXX credit bureaus highlighting these inaccuracies and I have also attached XXXX Dispute Report. 

Account Name : XXXX XXXX XXXX Report : Open Date : XX/XX/XXXX Last Reported Date : XX/XX/XXXX Date Last Active : XX/XX/XXXX Transunion Report : Open Date : XX/XX/XXXX Last Reported Date : XX/XX/XXXX Date Last Active : XX/XX/XXXX Account Name : XXXX XXXX XXXX Report : Date Opened : XX/XX/XXXX. 
No. of Months ( terms ) : 1 Last Reported Date : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date Of Last Payment : XX/XX/XXXX Transunion Report : Date Opened : XX/XX/XXXX. 
No. of Months ( terms ) : 0 Last Reported Date : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date Of Last Payment : XX/XX/XXXX Transunion also has 1 hard inquiry that I have brought to their attention and requested for removal as I am not associated with this HARD INQUIRY, below nor was it AUTHORIZED and as it appears to not have any relations to any account on my Transunion profile. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX These inaccurate reporting accounts are causing XXXX  due to the fact that I am not able pursue my desires.

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 2023-06-17 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: GA

Complaint narrative:
XXXX XXXX XXXX {$1800.00} 15 U.S. Code $ 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 resulted from an alleged identity theft, 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 identity theft!! Please delete these items IMMEDIATELY! 
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 report under 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 consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 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: VA

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2023-06-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 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 2023-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: NM

Complaint narrative:
I moved from XXXX to XXXX NM and had paid all my final bills shortly after moving in XXXX. I had all my mail forwarded to my new residence. I had not received any more bills from the XXXX XXXXXXXX XXXX XXXX XXXX after moving. In fact, I called them to make sure the account was disconnected and everything was paid up. I was assured by the company everything was good. 

On XX/XX/2023, I received a bill from XXXX for {$34.00}, stating they were going to send my bill to collections. I was surprised to see this, but quickly sent a check on XX/XX/2023. I checked my bank statement dated XX/XX/2023 and saw they cashed the check. 

On XX/XX/2023, I received a letter from Diversified Adjustment Service, Inc a debt collector, claiming I had not paid the debt. 

This kind of incompetence is infuriating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have tried to contact Transunion multiple times about a credit card, XXXX XXXX, that appears on my credit report as an account. 

I have NEVER had an account, or authorized a hard pull, on this company yet it's shown on my credit report, as of XX/XX/2023. 

Attached is a letter from XXXX XXXX, dated XX/XX/2023, telling me they have instructed the credit bureaus to remove the hard pull. 

Apparently, Transunion did that yet XXXX XXXX appears as an account.

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 2023-06-17 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: VA

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 explanation
Consumer complaint received 2023-06-17 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: CA

Complaint narrative:
A fraudulent account/ loan has been opened at XXXX XXXX XXXXXXXX XXXX with my name on XX/XX/XXXX. late payments were made to this account which resulted in a dramatic drop in my credit score. After checking my credit score and identifying the fraudulent account, I reported the error to Experian on XX/XX/XXXX informing them of the Identity theft. I also filed an FTC complaint on XX/XX/XXXX. I sent copies of the FTC report, my drivers license and utility bill to experian. I also filed a police complaint with the XXXX XXXX police department on XX/XX/XXXX. i was advised to contact XXXX XXXX XXXX XXXXk to resolve the issue. The bank was very uncooperative. The agents say that someone who is responsible would call/ email us within a day or XXXXwo but no one contacts us. This has happened several times over the last month. The bank has continued to report the fraudulent account to credit reporting agencies while refusing to provide me with any information pertaining to this account. They have sent no correspondence to me regarding this error despite several attempts by us to contact them and resolve the issue. they have also not run any credit checks prior to opening the account/ issuing the loan to fraudulent parties. I have not received any correspondence from the bank over the last 9 months since they opened the fraudulent account. 
Experian has failed to double check any identifying characteristics such as address or a copy of the drivers license submitted to the bank and took the bank statement as evidence that I took out credit that I did not. They failed to correct the errors despite sending them multiple documents verifying my identity and filing several disputes.

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 2023-06-17 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: CT

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-06-17 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: Self Financial Inc.
State: GA

Complaint narrative:
15 U.S. Code $ 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 resulted from an alleged identity theft, 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 identity theft!! Please delete these items IMMEDIATELY!

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 report under 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 consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: IL

Complaint narrative:
In XX/XX/2020, during the challenging period of the XXXX lockdown, I encountered financial difficulties that impacted my ability to make timely payments. Recognizing the circumstances, I promptly reported the late payment to XXXX XXXX XXXX  and requested their understanding and assistance. I believed that, considering the unprecedented circumstances, they would be willing to work with me to find a fair resolution. 

However, to my dismay, XXXX XXXX XXXX  has not taken any action to remove the late payment from my credit report. I have made numerous attempts to communicate with their customer service representatives, providing supporting documentation and explaining the extenuating circumstances that led to the late payment. Regrettably, their responses have been unsatisfactory, leaving me with no other option but to escalate the matter. 

I am now filing a formal complaint with the Consumer Financial Protection Bureau in the hopes of receiving a fair and impartial resolution. I kindly request your intervention to help facilitate a resolution between myself and XXXX XXXX XXXX. It is my belief that by bringing this matter to your attention, I can receive the assistance needed to rectify this situation and mitigate any negative impact on my credit history.

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 2023-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third Bank is not allowing me to reverse the unauthorized charges or file a dispute with their bank. I had the same problem before a few months ago and they did allow me to dispute the unauthorized charges. They, the credit card processing company, have taken close to {$900.00} without my authorization and getting away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: CT

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2023-06-17 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: IN

Complaint narrative:
In accordance with the fair credit reporting act, XXXX  XXXX XXXX ending in XXXX, and XXXX  XXXX XXXX  ending XXXX, and XXXX XXXX XXXX XXXX  ending in XXXX, has violated my rights below under the fair credit reporting act laws below. 

.15 u.s.c 1681 section 602 A. States I have the right to privacy. Also 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 instructins. Also .15 u.s.c 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
I had American express card num. XXXX they close the account. Because I do not paid a balances. I ask information about the debt, They explain the type of debt. is about {$65.00} I response they do not send any bill to my address and if I do not receive the bill is impossible to paid. Then we agree, American express will send me the bill and I will send the paid. 
But the close the account and sent incorrect information a to credit scores company, meaning that show that I do not paid the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
capital one bank usa XXXX XXXX capital one XXXX XXXX capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these inquiries i am unfamiliar with because i never used my credit to apply for anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2023 my credit monitoring company notified me of a Bank of America account that was opened in my name. I did not authorize the opening of this account and on that same day I notified Bank XXXX XXXX of the fraud who advised they would close the account. 

On XX/XX/2023 I received a statement from Bank of America showing a {$0.00} balance on that account through XX/XX/2023. The account should never have been active through XXXX and should have been closed on XX/XX/XXXX, and upon calling Bank of America on XX/XX/2023 they advised me that the account was closed and I had only received a statement reflecting a XXXX date due to billing cycles. I asked that they send me documentation that the account was closed and the rep I spoke with advised she would request it be mailed to me, but that it would likely take a month or longer. 

Today, XX/XX/2023, I received another statement from Bank of America showing a {$0.00} balance on the account from XX/XX/XXXX through XX/XX/XXXX. The account should be closed and I should no longer be receiving statements.

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 2023-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
NAME Address City, State Zip Email Address You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 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. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: DISCOVER BANK
State: NJ

Complaint narrative:
NAME Address City, State Zip Email Address You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 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. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation