vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 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: NJ

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. 

Accounts : Account Name : XXXX Account number : XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX  Account Number : XXXX 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. States a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C 1681c. ( a ) ( 5 ). 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 2022-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
In XXXX XXXX, I opened a build.com credit card ( Comenity Capital Bank ) with XXXX to purchase appliances. I purchased a refrigerator/freezer set in XXXX XXXX ( from XXXX and charged it to my build.com credit card ( {$5200.00} total : each item {$2600.00} ). In XX/XX/XXXX I received notification my units were shipping. Only one unit came and it came with a big gash in the side. I refused delivery. I contacted XXXX and was told the set was discontinued ; therefore, I requested to refund both items since part of the set was damaged and now discontinued I couldn't get the matching pair like I ordered ; I also said to make sure my card was zeroed out before any payments were past due ( I was assured they would be ). I received two emails confirming refunds of each item ( one email on XX/XX/XXXX and XXXX email on XX/XX/XXXX ). In XXXX I received a collection call from Comenity Bank about a late payment. I told them both items were supposed to be refunded back to the card so no payments should be due. Apparently only one item ( {$2600.00} ) was refunded back to the card when I called in XXXX. I contacted XXXX about the issue of only item being refunded. XXXX then refunded the other item to the card ( end of XXXX- a month after I requested the refunds due to damaged/discontinued item ). In XXXX, Comenity Bank sent bill stating I still owed {$71.00} in fees. I contacted XXXX and Comenity Bank with no resolutions. On XX/XX/XXXX, Comenity Bank called again about a late payment. I told them I should never have had a payment for any late fees to be added to. They reduced the fees from {$71.00} to {$31.00}. I filed a dispute with Comenity Bank about the remaining {$31.00} because I should never have had any payments, fees, etc. because at his point, all I have is wasted time and frustration - no purchased items. So I am stuck with {$31.00} in fees because XXXX didn't refund both items in XXXX ( even though I have confirmation emails ). No other purchases have been made with this card ( before or after ). 

Note : I only saw one of the two units ( the one that came in damaged ). The second unit was never delivered to me nor did I get a delivery attempt. I never saw the second unit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-03 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: GA

Complaint narrative:
I sent my letter off on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letters I sent out here are the tracking number XXXX XXXX XXXX XXXX XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode lo living is obtained through personal interviews with neighbors, friends, or associates of the consumer of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is it possible if they did not do the proper investigation according to the law. Also, every piece of information on these accounts still are not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: SC

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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: SC

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On Thursday, XX/XX/2022 I received a text message about a personal checking account I never opened. On Monday, XX/XX/2022 I received a Statement of Account in regards to the account I did not open with TD Bank. I immediately called TD Bank to report the fraud. They closed the account and guided me on the next steps to report the fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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 following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that 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 non-monetary relief
Consumer complaint received 2022-05-03 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 following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # 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 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have a hard inquiry on my consumer report that should not be there. XXXX ( XX/XX/2022 ).

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 2022-05-03 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: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The Credit bureaus stated my account 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 inaccurate. This is grounds for removal they also violated my rights under : 15 U.S.C 1681 section 602 A. that states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 that states a consumer reporting agency can not furnish an account without my written instructions. 

Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 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 2022-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
I have sent in copies of checks made out to freedom mortgage each month for my payment. They are trying to say that I am behind on my mortgage from XXXX of 2021. I have proof and sent it all to them with the copies of the checks cashed by their company. I have called numerous time and sent the checks in to get the account fixed. They have not fixed the account and keep giving me the run around.

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 2022-05-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # 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 w : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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 non-monetary relief
Consumer complaint received 2022-05-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # 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 w : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: MO

Complaint narrative:
Purchased XXXX  air cleaner. best buy shipped it. shipped in original packaging per them. XXXX XXXX tracking shows delivered. however, we have a sign that states do not leave packages due to location. we contacted best buy who refuses to assist or refund. Citibank won't dispute since tracking shows delivered, which is the whole purpose of a dispute.

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 2022-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX, Transunion,, XXXX Remove and Delete I call and show proof This is a request to remove the following inquiries that were made without my expressed permission. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries according to the FCRA were not made due to a firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. 

Under the FCRA, the burden of proof lies on XXXX you are the one allowing fraudulent information to report on my credit report. 
I have included my contact information and proof of my identity. 

Thank you for following the ethical standards set by the FCRA and removing these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Ny 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 2022-05-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX, XXXX,, Equifax Remove and Delete I call and show proof This is a request to remove the following inquiries that were made without my expressed permission. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries according to the FCRA were not made due to a firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. 

Under the FCRA, the burden of proof lies on XXXX you are the one allowing fraudulent information to report on my credit report. 
I have included my contact information and proof of my identity. 

Thank you for following the ethical standards set by the FCRA and removing these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: GA

Complaint narrative:
The account for XXXX XXXX is reporting as 30 days late. I have never been late on this account. I have called and written in several times concerning this matter. It hasn't been rectified as of yet. The date it is reporting late is XX/XX/2021. It was removed before, then placed back onto my report. XXXX has removed it permanently.

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 2022-05-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-05-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have repeatedly filed disputes on my Experian report regarding a Bankruptcy. My latest dispute filed on XX/XX/22 was investigated and now it " remains '' even though the information can not be verified. In addition, I sent Experian a letter from XXXX stating that the information can't be verified because it's no longer in their files. 

In addition, I'm attaching a letter from the Bankruptcy Court who verified that they don't report information to credit bureaus. 

All of this information was sent to Experian, yet they continue to erroneously report this information on my credit report. 

According to FCRA, if it can't be verified, it must be removed.

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