vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX. 
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 accounts 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 these items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I hope this message finds you well. I am writing to address a pressing matter concerning the inaccurate information on my federal student loan, previously serviced by XXXX XXXX and now AidVantage. The reporting of erroneous and incorrect data on my credit report has persisted for the past year, and it is crucial that this issue is resolved promptly. 

Upon the transfer of my loan servicing from XXXX XXXX to AidVantage, I had anticipated that any previous reporting errors would be rectified. Unfortunately, to my dismay, these discrepancies were carried over to the new reporting system. These inaccuracies are undeniably detrimental to my credit score, unfairly compromising my financial standing. 

Despite my repeated attempts to resolve this matter, the errors persistently resurface and are verified as accurate. I have attached copies of the credit reports from each of the Major Bureaus, which clearly demonstrate the differing, incorrect, incomplete, and inaccurate information being reported. It is my firm belief that these discrepancies flagrantly violate the Fair Credit Reporting Act ( FCRA ). 

The current state of reporting not only tarnishes my credit history but also severely hampers my ability to secure loans. Such unjust reporting should not be tolerated in any circumstance. 

I implore you to take immediate action to rectify these inaccuracies, thoroughly investigate the violations to the FCRA, and ensure that the correct and accurate information is reflected on my credit report or REMOVE THE NEGATIVE REMARKS on my PAYMENT HISTORY. Additionally, I kindly request that you provide me with a comprehensive update regarding the progress and resolution of this matter. 

I understand the importance of adhering to the regulations outlined in the FCRA, and I trust that you share the same commitment to upholding these consumer rights. I anticipate a swift and satisfactory resolution to this issue. 

Thank you for your prompt attention to this matter. I look forward to your immediate action and a favorable response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Transworld Systems, a collection agency, is reporting an account to my credit bureaus. They are reporting a Electric Bill that is disputed with the original creditor. Neither the creditor nor the collection agency ever reported this my credit bureau when it was being paid. I received no notice that this was being reported either! They are doing this for one reason, not to report credit history, since they clearly have never done that, they are reporting to extort payment from me. This is not what the credit bureau was designed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 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: CA

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

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

15 U.S. Code 1681 section 604 A Section 2 : 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 2023-05-29 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: CA

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

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

15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29 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: LEXISNEXIS
State: CA

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

15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Link Management, LLC
State: FL

Complaint narrative:
I received a call today ( XXXX XXXX ) from CLM collection agency for a young woman ( XXXX XXXX ) who lives at the same address as me. I have no responsibility or involvement in her finances. I forwarded the message to her ( screenshot of the voice mail transcript ). She called the number given ( XXXX ) and was told they have a right to call me about her situation because we have the same address. This doesnt seem right to either her or me. Is that a permissable tactic? If not, please lodge my complaint against that company. 

Thanks.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems severally tried to coarse and induce me to pay a debt that I do not owe and have subsequently reported it on my Credit Profile which is currently impeding on my ability to gain any measurable job and credit. They have deliberately ignored my letter to them, demanding validation of the debt and any contractual agreement with them bearing my name, signature, date of birth. Furthermore, they have proceeded to sue me in the XXXX XXXX Civil Court, GA in order to place a public record on my credit profile for a debt that I do not owe to them, thereby, further halting my abilities to move forward to provide for myself and my family. 

Jefferson Capital Systems must remove the negative report from my credit and rescind the court filing with deliberate speed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: KS

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$30000.00} ; XXXX XXXX  Balance : {$16000.00} ; XXXX Balance : {$17000.00} ; XXXX XXXXXXXXBalance : {$11000.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX Balance : {$17000.00} ; XXXX XXXXXXXXBalance : {$12000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29 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: NV

Complaint narrative:
There are XXXX addresses on my report that i have never lived at. And there are XXXX variations of my name that aren't right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have an hard inquiry I don't recognize from Comenitycapital/Biglots credit. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 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: NV

Complaint narrative:
XXXXDepartment of Education XXXX XXXX This educational department has promised not to give any of my personal information to anybody and that's including the credit bureau agencies . I am the holder of the consumer credit contract and I can assert my rights.

16 CFR 433.1 16 CFR 433.2 16 CFR 433.3 16 CFR 313 16 CFR 313.1 I have the right to opt-out. I have never received a notice of my rights to opt-out from XXXXDept of Education . 

XXXXDept of Education is also violating my rights under : The Family Educational Act of 1974 and The Privacy Act of 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX This educational department has promised not to give any of my personal information to anybody and that's including the credit bureau agencies . I am the holder of the consumer credit contract and I can assert my rights. 

16 CFR 433.1 16 CFR 433.2 16 CFR 433.3 16 CFR 313 16 CFR 313.1 I have the right to opt-out. I have never received a notice of my rights to opt-out from XXXX/Dept of Education . 

XXXXDept of Education is also violating my rights under : The Family Educational Act of 1974 and The Privacy Act of 1974

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 2023-05-29 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: CORELOGIC INC
State: CA

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

15 U.S. Code 1681 section 604 A Section 2 : 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 2023-05-29 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: CBC Companies, Inc.
State: CA

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

15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: PA

Complaint narrative:
TRANSUNION has violated my Consumer Rights.

- 15 U.S. Code 1681a ( 4 ) : Consumer Right to Privacy -15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) : Obligations with respect to disclosures of personal information. I was not made aware of my right to OPT OUT of my information being shared.

- U.S. Code 1681b : Permissible Purpose of Consumer Reports -FDCPA 8012 : Furnishing Deceptive Forms : furnishing inaccurate inquiries and 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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-29 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: MicroBilt / PRBC (formerly CL Verify)
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 15 U.S. Code 1681 section 602 A States I have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 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: ID Analytics, Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 15 U.S. Code 1681 section 602 A States I have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX I attempted to make a purchase using my Amazon credit card and use the XXXX in reward points toward the purchase. After submitting the order, I received a message stating that my payment was declined. I called the number on the card and was informed that Amazon declined it not the credit card company. I called Amazon and they said it was the credit card company. No one is explaining why my payment was declined and my points have not been refunded. I called again on XX/XX/26 and was asked to wait and again was refused an answer regarding the declined transaction. I did not want to use my account to make the full payment and was forced to because of this

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 2023-05-30 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: TX

Complaint narrative:
I sent a letter to TransUnion to file a dispute on my credit report and I'm not happy with the investigation results because the negative information on the report still remained even though there is no proof that I opened the account. The following account is opened as a result of fraud and I'd like TransUnion to remove this account off my credit report : 1. XXXX XXXX I also would like to dispute the following hard inquiries : 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 non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion has held my credit rating at XXXX by using data going back 17 years which has cost me a healthy sum of money because of higher interest especially for major purchases/rentals. In fact I have had to pay what amounts to almost twice the purchase price of something like a car.

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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 XXXX XXXX XXXX XXXX00}.

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 2023-05-30 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: FL

Complaint narrative:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 non-monetary relief