vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting 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:
I received a copy of my credit report from Equifax, XXXX and XXXX and noticed collections that need to be immediately DELETED. They are as follows : XXXX XXXX XXXX XXXX XXXX PLEASE DO NOT SEND ME A COMPUTER-GENERATED RESPONSE LETTER AS THAT WOULD BE YET ANOTHER DIRECT VIOLATION OF THE FCRA. 



EQUIFAX has violated my consumer rights and violated federal law and violated MY RIGHT TO PRIVACY which is clearly outlined in 15 USC 1681A ( 4 ) of the Fair Credit Reporting Act.

I ALSO have proof of violations in 15 USC 1681B ( 2 ), which is noted below, 15 USC 1681B ( 2 ) - PERMISSABLE PURPOSE of consumer reports, THE LAW CLEARY STATES : ( 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 INSTRUCTIONS OF THE CONSUMER to whom it relates.

I DID NOT give your agency written authorization or written instructions to report this information.

YOU have not only violated the Fair Credit Reporting Act, but your agency has committed aggravated IDENTITY THEFT In using my information illegally/without consent and I've sustained defamation of character just to name a couple damages should this matter escalate to court. 

XXXX XXXX AND XXXX that is reporting the collection, has violated my consumer right as well, noted within 15 USC 6802, as you are both liable for a lawsuit in conspiring against me if this matter doesn't get resolved privately now.

Continuing to report these erroneous accounts would constitute willful noncompliance and a direct violation of 15 USC 1681n as well.

You have 14 days to respond to upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from my credit reports and also mail me a new copy of my report or I will be seeking legal counsel against your agency for these damages. 
Please note that this is an attempt to settle this matter privately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting 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:
Per 15 usc 6802, 16 cfr 313, 317 F. XXXX bank has a obligation to provide each consumer with proper notice on opting out of sharing non public personal Information to non affiliate 3rd parties. Which Congress has defined under title 15 of the US code. XXXX XXXX and TransUnion are Sharing my non public personal information without my consent. Per the fair credit reporting act as a federally protected consumer I am now opting out of any and all authorization i the consumer may have given you written unwritten verbal and non verbal per 15 usc 6802. Additionally, TransUnion has provided inaccurate information to my credit file on which XXXX XXXX has taken a adverse action against my account by closing it without reasonable compensation for the usage of my securities which I understand according to XXXX XXXX XXXX  filing with sec, XXXX XXXX is in fact XXXX out my account balance each much for the pooling of my securities. XXXX XXXX has fault their fiduciary obligation outline in there SEC XXXX filing. TransUnion has violated my rights by sharing my information without out my written or express consent which resulted in my account being closed. I believed the information TransUnion furnished to XXXX XXXX  without my consent which is required by federal law is inaccurate which is a violation of the fair credit reporting act. XXXX XXXX and TransUnion operating together in violation which financial gain unbeknownst to me constitutes fraud and XXXX. Per congress the Consumer Financial Protection Bureau has the responsibility to enforce the law. I will be seeking civil damages as favored under 15 usc 1692k. {$1000.00} per violation, which is for each time my credit information was shared and reported inaccurately. According to my records and the records of TransUnion my credit score is well above XXXX which also Congress never enacted a law requiring a credit score for the usage of credit which is my Credit to begin with from your company using my securities! The equal credit opportunity act states that any denial which is part of a consumer transaction is discrimination. Which in fact I have evidence which was sent by XXXX XXXX who Also stated where my information was shared from, lacking my consent violation of my privacy rights that are federally protected. I demand that my credit file be updated for XXXX XXXX to be updated to paid as agreed immediately. All rights reserved

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo sent me a letter stating that my mortgage had an escrow shortage. I paid it for a specific amount. Wells Fargo applied that amount to my principal instead of my escrow shortage. XXXX XXXX is the customer service agent. She stated that I did not provide any instructions with my escrow shortage payment. 
I have made all of the payments through my own personal bank for several years, including escrow shortages. Wells sent the letter with no instruction to me that I had to provide instructions for the payment. I never have needed instructions before. This letter does not say that I have to provide instructions. Instructions how exactly? I have never provided instructions before. 
XXXX told me that I did not provide instructions with my escrow payment. The letter did not state that I needed to provide instructions. XXXX stated that it is in the mortgage when I closed. Well, I did not close with Wells Fargo. I closed with another provider and Wells Fargo bought the mortgage. Now Wells Fargo has sold the mortgage to XXXX XXXX and I have to call XXXX XXXX. 
The Escow payment was applied wrong by Wells Fargo and now my mortgage payment has risen to where I am now paying off the shortage- which I paid and Wells Fargo messed up. 
XXXX stated that this they did not make the error because I did not provide instructions ... to paying money that they asked for ... and not telling me that I needed to provide instructions. Wells Fargo is terrible, unethical, and crooked thieves.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX is illegally using this charge off for tax benefits. 

Account in question : XXXX XXXX Re : Form 1099-C Cancellation of Debt I am writing to you regarding a matter of utmost concern regarding the inaccurate reporting of a charge-off on my credit report attributed to your agency. Upon reviewing my credit report, I discovered a charge-off entry which, according to the IRS, constitutes debt that has been discharged and subsequently utilized for tax benefits by your agency. It has come to my attention that your agency has been unlawfully reporting this information on my credit report, while simultaneously attempting to collect on the debt or maintaining a charged-off status. 
As per the guidelines provided by the IRS, such actions amount to tax fraud, a serious offense which I am prepared to report should this matter not be rectified immediately. I hereby exercise my right to demand the immediate removal of this inaccurate information from my credit report. Additionally, I require you to provide me with a copy of the Form 1099-C related to this debt, to be sent to the address provided above or via email at your earliest convenience. 
XXXX XXXX It is evident that your agency has violated the maximum accuracy standards outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ). By reporting information that is demonstrably not XXXX  % accurate, your agency is in clear violation of federal law. Continuing to report this inaccurate information would only exacerbate the situation and would constitute willful violation of various provisions under 15 USC 1681s-2. 
Moreover, I have been directed by the IRS to file Form 3949A for illegal tax violations against your company in order to address this matter. I trust that neither you nor your Executive VP would desire to engage in legal proceedings over such blatant transgressions. 
I hereby demand that you take immediate action to notify ALL ( XXXX ) credit bureaus to remove this erroneous information from my credit report without further delay. As I am attempting to settle this matter privately. 
Failure to comply with this immediate request will leave me with no choice but to pursue all available legal avenues to ensure my rights are upheld and justice is served.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, My XXXX accounts are showing that there are late payments on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and this is showing inaccurate. I had a forbearance at the time and these dates are over XXXX XXXX XXXX and should not be reporting anyway. Please delete these account because this is affecting my ability to apply for credit. 
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 2024-05-17 00:00:00
Product: Credit reporting 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:
Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of XXXX. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.

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 2024-05-17 00:00:00
Product: Credit reporting 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:
Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of XXXX. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.

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 2024-05-17 00:00:00
Product: Credit card — Store credit 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: Army and Air Force Exchange Service
State: NC

Complaint narrative:
as of XX/XX/2024 I am still currently paying and payments are up to date

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I reviewed my auto loan on my credit report and there are many inaccuracies, it shows for the months XXXX, XXXX, XXXX, and XXXX of XXXX, and XX/XX/XXXX that the payments were late, but i had payment extensions and payments made on that account that would show that the late payments are not accurate to be reported on my credit file. This has caused harm to me applying for credit and this needs to be removed completely. 
Account number : 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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is Inaccurate, and 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. Section 604 A section 2 : it also states a consumer reporting agency cannon furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is Inaccurate, and 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. Section 604 A section 2 : it also states a consumer reporting agency cannon furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-05-17 00:00:00
Product: Credit reporting 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:
Account # XXXX XXXX XXXX XXXX XXXX : XX/XX/year>, which you claim LATE PAYMENTS. Amount : {$17000.00} Account # XXXX XXXX XXXX XXXX : XXXX, which you claim LATE PAYMENT Amount : XXXX Account # XXXXXXXX XXXX XXXX  XXXX : XXXX Amount : {$11000.00} appeared on my credit report. Its unlawful to XXXX ( a ) XXXX ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2. ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Account # XXXX XXXX XXXX XXXX XXXX : XX/XX/year>, which you claim LATE PAYMENTS. Amount : {$17000.00} Account # XXXX XXXX XXXX XXXX : XXXX, which you claim LATE PAYMENT Amount : XXXX Account # XXXXXXXX XXXX XXXX  XXXX : XXXX Amount : {$11000.00} appeared on my credit report. Its unlawful to 623 ( a ) 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2. ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account # XXXX XXXX XXXX XXXX XXXX : XX/XX/year>, which you claim LATE PAYMENTS. Amount : {$17000.00} Account # XXXX XXXX XXXX XXXX : XXXX, which you claim LATE PAYMENT Amount : XXXX Account # XXXX XXXX XXXX XXXXXXXX : XXXX Amount : {$11000.00} appeared on my credit report. Its unlawful to 623 ( a ) 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2. ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation