vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 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: MS

Complaint narrative:
XXXX. XXXX XXXX opened XX/XX/XXXX, amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX, amount {$1600.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX opened XX/XX/XXXX, amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXXXXXX XXXX opened XX/XX/XXXX ; amount {$45000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX opened XXXX XXXX, XXXX ; amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX opened XXXX XXXX, XXXX ; amount {$4200.00} requested a removal but the company did not comply. 
XXXX. XXXX opened XX/XX/XXXX ; amount {$2500.00} requested a removal but the company did not comply. 

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 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 2023-06-07 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: MS

Complaint narrative:
XXXX. XXXX XXXX opened XX/XX/XXXX, amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, amount {$1600.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX opened XX/XX/XXXX, amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX opened XX/XX/XXXX ; amount {$45000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXXXXXX XXXX  opened XXXX XXXX, XXXX ; amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX opened XXXX XXXX, XXXX ; amount {$4200.00} requested a removal but the company did not comply. 
XXXX. XXXX opened XX/XX/XXXX ; amount {$2500.00} requested a removal but the company did not comply. 

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 a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hired a credit repair person to fix and repair any errors on my credit report. 

After making contact with XXXX XXXX ... XXXX, Transunion, XXXX, XXXXXXXX XXXX removed an account in good standing that helped my credit score. However, they decided to leave an account that that had late payments but a {$0.00} balance and removed accurate info and original consumer statement. 

Latest dispute resulted in no changes and a generic consumer statement from a pull tab. 

This has unfairly hurt my credit rating as the good account balanced out the current 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 explanation
Consumer complaint received 2023-06-07 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: CA

Complaint narrative:
I hired a credit repair person to fix and repair any errors on my credit report. 

After making contact with XXXX XXXX ... XXXX, XXXX, Equifax, XXXXXXXX XXXX removed an account in good standing that helped my credit score. However, they decided to leave an account that that had late payments but a {$0.00} balance and removed accurate info and original consumer statement. 

Latest dispute resulted in no changes and a generic consumer statement from a pull tab. 

This has unfairly hurt my credit rating as the good account balanced out the current account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: GA

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/2022. 

The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.

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 2023-06-07 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: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I mailed a {$33000.00} business Check from XXXX XXXX XXXX made out to XXXX XXXX. They did not receive the check, lost in the mail, or stolen? This check was cashed on XX/XX/2022 by M & T bank. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX NY XXXX The forged check was cashed with No account number, the name XXXX was misspelled, the signature is not legible. 
XXXX filed a claim in my behalf, nothing has happened in 9 months, according to M & T it's Pending. I tried to contact M & T myself, they did not return emails or calls. M & T has all the infomation from XXXX, this was sent twice.

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 monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and there is XXXX XXXX XXXX XXXX, CA XXXX XXXX 
Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I paid for a rental application via XXXX to provide a potential landlord with my credit score, credit report, background check, and eviction check. I believe the inaccurate information provided by TransUnion on the credit report and score was reckless and discriminatory that negatively impacted my ability to rent within a desired area. 

Here 's a list of the inaccurate information stated my XXXX report : Under " Personal Info '' : 1. " Recency of a balance overlimit on a bankcard account '' - This is false. My bank card ( debit card ) is no where listed on the report. 

2. " Insufficient payment activity over the last year '' - This is false. I have paid on-time over the last year.

3. " Inquiries impacted the credit score '' - This is false. I shopped around for a mortgage loan during 30-day periods or had my credit pulled by the same mortgage company to renew a pre-approval, but this information was used against me. 

4. Credit Score listed as " XXXX '' - This is false. According to a recent credit disclosure letter from a potential mortgage lender, my Fair Isaac Corporation ( FICO ) reported my TransUnion credit score at XXXX. 

Under " Fraud Indicator ( s ) '' : 5. " Input Address has been used more than once within the last 90 days on different inquiries. '' - This is not a fraudulent activity or should be listed as a fraud indicator. Just like other consumers, who are allowed to apply for mortgage loans and shop around, this activity should not be marked as a fraud indicator. 

6. " Input Address is a restaurant/bar/nightclub. '' - This is not a fraudulent activity or should be listed as a fraud indicator. My physical address is a mixed-use property ( i.e. the main floor has business space and the upper floors have apartments ). My mailing address is where post office boxes are rented and allowed to be used. As a resident in a communitive living and utilizing a post office box, being marked as having a fraud indicator is unfair. 

The above is unjustly restricting my ability to move to a desired location.

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 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have consistently made timely payments without any instances of being late.

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 2023-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Purchased my car though XXXX XXXX 11 months ago. The company XXXX XXXX XXXX ) went under without notice to there customers. They sold the loans to Westlake Finance for collections. With the purchase of the auto they offered warranty and roadside assistance and rolled into the total loan. Upon call the warranty company I was informed that XXXX XXXX never forwarded any payments to them and they are not honoring any warranty. Upon calling Westlake Finance I was informed that they are not honoring the warranty and they are not lowering any payments for the warranty. I feel that this was an fraudulent loan transfer and needs to be investigated. Also there should be a stay on any loan payments and any type of repossession from Westlake Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Please remove those inquires from my report as I filed FTC report with an ongoing/past identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reported to all three credit repoting agencies, that XXXX XXXX XXXX was opened in my name without my consent. Attached with be the police report and FTC report to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: GA

Complaint narrative:
I have reported to all three credit repoting agencies, that XXXX XXXX XXXX was opened in my name without my consent. Attached with be the police report and FTC report to support my claim.

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 2023-06-07 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: IL

Complaint narrative:
I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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 2023-06-07 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: MI

Complaint narrative:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I want to start off by saying no one prepared this dispute for me, I worked hard to research what to do in my situation. I just want it to be known that I XXXX XXXX prepared this document. I was trying to re finance my house and ran into a problem. I pulled my report and found some disturbing things. There were accounts that belonged to someone else, or someone has opened accounts in my name. I found numerous errors on my credit report. I haven't signed, nor opened any contracts with any of these companies listed in the Ftc report. I am a living human being, and I have been wrongfully taken advantage of. I have rights under 15 USC 1681. XXXX, XXXX, and Equifax has allowed for these creditors to violate me numerous of times. I demand these accounts listed be removed according to 15 USC 1681 I have a right to privacy and I did not give the XXXX bureaus, these other creditors to furnish these accounts. It is illegal for an account to be opened without me giving consent to it, which I haven't ever been in contact with any of these companies. There are two more fraudulent accounts that was opened in my name XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX account # XXXX, once again I repeat, I did not give consent for these accounts to be opened. These should be removed as well as these XXXX authorized hard inquiries, and these inquiries are attached to an open account, so in other word could you please remove these XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief