vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 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: GA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

I dispute the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading specifically XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX and any non account holding hard inquiries. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on I want the incorrect information on my credit file be corrected immediately, and my rights not to be violated further.

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 2023-06-29 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

I dispute the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading specifically XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX and any non account holding hard inquiries. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on I want the incorrect information on my credit file be corrected immediately, and my rights not to be violated further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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:
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-06-29 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: ID

Complaint narrative:
Account was sold/transferred from XXXX to XXXX XXXX . According to the date the balance should have been paid with automatic payment before the transfer.

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 2023-06-29 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: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar 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 explanation
Consumer complaint received 2023-06-29 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: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management , LLC shared my nonpublic personal information to credit reporting agencies ( XXXX, XXXX, Transition ) without my permission and shared that I owe debts with them without verifying with me I owe those bogus alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reached out personally and so has the agency hired on my behalf to do so named XXXX we have reach out to all major Credit Agencies Experian, and others I have submitted metro 2 letters of challenge and compliance with no response for 2 months now. I just sent out last week round 2 of the same letters and am waiting to hear back. Since they have had enough time more than 30 days since round 1 letters to respond. They haven't done so I am reaching out to CFPB for help in cleaning these issue up ASAP. 
I also submitted letters and proof to all above mentioned agencies to remove false reporting data from my accounts as the name and address are incorrect as is all the other reporting as I have never extended written consent to any reporting agency to report anything on my behalf. I have hired XXXX credit repair agency to act on my behalf to dispute fraud with said agencies and I have also myself send out letters requesting immediate removal of fraudulent reporting as I have NEVER gave permission to any company to report anything on my behalf except the above mentioned credit repair agency. I have not been able to reach anyone from the above mentioned credit agencies. I am frustrated and want my credit cleared ASAP.

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 2023-06-29 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:
I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACTwas allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX # XXXX date XXXX, XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.

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 2023-06-29 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: NJ

Complaint narrative:
I sent a letter to experian, here is my tracking number XXXX on XX/XX/2023 however they said they completed the investigation and it was acurate, this is the second letter I send and they refuse to investigate. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I asked them the following, 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 2. The date you contacted the individual funishers of information. 3. The method of communication you used to verify the information 4. How they complete the investigation None of these questions where answered they just send me this for the second time ; ''The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details '' please see the letter attached and the accounts disputed. They didn't answered what we requested violating the law.

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 2023-06-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR

Complaint narrative:
I contacted USAA Bank to close my membership to USAA completely. I have closed my checking accounts and wish to close my membership with USAA. Even with all communication turned off, I still receive marketing emails from the CEO to my email address. I talked with a USAA support rep and they said that they had put a stop to all CEO emails, but I recently received one after that action was supposedly taken. They will not let me close my membership account and thus will keep sending unwanted communications to me, without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: TN

Complaint narrative:
This is my second complaint, due to the response received having nothing to do with rhe actual complaint. I have since seen the rules and I have since learned if choices regarding overdraft protection. But it was way too little to late. Having had my account for less than two years with over {$4000.00} in fees taken by US bank is excessive and quite disturbing. I am on a fixed income, XXXX XXXX XXXX and now my credit is messed up because clearing if I am missing {$4000.00} over approximately 18 months, I cant pay my bills, let alone afor to eat. There were actually XXXX fee charges in less than a XXXX month period, from XXXX XXXX of this year. XXXX in the XXXX years since I opened the account. No one has ever given me any direction in any way shape or form. The FDIC states they should monitor excessive and chronic customer use. More than XXXX occasions of overdrawing in TWELVE months is a red flag for them to take meaningful action and provide alternatives. There was absolutely effort by anyone to contact me by phone, mail, email. Heck, I live about XXXX blocks from the bank and they could have come by. Our town is very small. 

Our local US Bank branch brags about wanting to assist their customers with managing finances and making it as easy as possible. They claim they will collaborate to underarms our situation and develop personalized strategies. They clearly have not collaborated nor taken the slightest interest toward any strategy. 

This has created a huge ripple effect tans devastated us. 

I dont need their policy reiterated. I need them to take some ownership on their failures. I dont lay all the blame on theim but banking is supposed to be their expertise. Not mine. I am a XXXX XXXX citizen on XXXX. And I can barely afford to pay the bills I need paid in order to breathe, thanks to them. 

I would think a refund of those fees, at least XXXX of which should have been prevented, if they had been monitoring and provided explanation of the overdraft protection and opting out ( which XXXX knew nothing of until it was waaayyyyy too late. And I contacted them. They made no effort whatsoever to do anything. Still havent. They just kept raking in the money and didnt say a word knowing full well it was excessive and deceptive and in violation of the FDIC specified guidelines/rules.

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 2023-06-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Inaccurate personal information has been reporting on my account. I have sent letters informing credit reporting agencies to remove the inaccurate information and they haven't removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It 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 2023-06-29 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: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It 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 2023-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
Hello this is in reference to a bill from Lockhart, Morris, montgomery acct # XXXX {$630.00}. This is not my account, I have been reaching out to this company since XXXX and I've never received any response. I have included a copy of my affidavit for record purposes. Im simply asking for a removal of this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: MO

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I never received an itemized bill nor a chance of dispute letter! I am not contracting with said company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents 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 non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Asset Recovery INC DBA Jacobson and Wright
State: CA

Complaint narrative:
Today, I have my bank account with XXXX wiped out over {$5200.00} and overdrawn by {$1600.00}. I was informed by a XXXX party that sent the court order to the bank I had a judgement against me ( first time I find out ), had to call the bank to get their info. I was never served nor did I receive a notice. Last communication I had with the owner of the debt, Asset Capitol Recovery was that I had the intention of paying but could barely survive making {$12.00} per hour back in 2013. Apparently, a judgement with the ability to lean my bank accounts was filed in 2013. How can I have a judgement and court proceedings without having been served or a notice received?

Company response to consumer: Closed with explanation