vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 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: TX

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. 

XXXX XXXX : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : Medical : XXXX, XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX, XXXX XXXX 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 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 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 2023-05-22 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: TX

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. 

XXXX XXXX : XXXX, XXXX XXXXXXXX ( Original Creditor : Medical : XXXX, XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX : XXXX, XXXX XXXX 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 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 explanation
Consumer complaint received 2023-05-22 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: TX

Complaint narrative:
To whom it might concern. My only and correct name as it appears on my social security card and ID is XXXX XXXX XXXX XXXX. 
My only and correct social security number is XXXX. 
My only correct address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX. 
My only Phone number is XXXX Please delete any name that is not matching my proof of identity. Please delete any addresses that you are reporting which are not on my proof of address attached. 
Attached to this letter you will find a copy of my identification, proof of address and proof of social security number. 
Once my request has been processed, please mail me a copy of my updated credit report reflecting these changes. Thank you.

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 2023-05-22 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: TX

Complaint narrative:
To whom it might concern. My only and correct name as it appears on my social security card and ID is XXXX XXXX XXXX XXXX. 
My only and correct social security number is XXXX. 
My only correct address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX. 
My only Phone number is XXXX Please delete any name that is not matching my proof of identity. Please delete any addresses that you are reporting which are not on my proof of address attached. 
Attached to this letter you will find a copy of my identification, proof of address and proof of social security number. 
Once my request has been processed, please mail me a copy of my updated credit report reflecting these changes. Thank you.

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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
My identity was stolen that resulted in a XXXX account being opened for {$140.00} that closed. A bankruptcy thats on my credit file submitted by another company.The court i filed with stated that they do not share that information with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
Hello, CFPB I am a victim of a hate crime! 

On behalf of all matters regarding CREDIT CARD DEBT. 

I AM SENDING THE FOLLOWING COMPLAINT FOR YOU TO INVESTIGATE MY CREDIT PROFILE/ HISTORY TO CHECK FOR ANY UPDATES PERTAINING TO CYBER CRIMINALS, CREDIT CARD SCAMMERS, OR STOLEN SOCIAL SECURITY NUMBER DEBT SUSPECTS ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX & HIS WIFE XXXX XXXX ( PROPERTY MANAGER ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , DC XXXX ( XXXX ) XXXX XXXX CEO ; XXXX XXXX & XXXX ; XXXX XXXX BOTH COMMITED XXXX ABOVE MY APARTMENT!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , DC XXXX Phone : ( XXXX ) XXXX Please notify Judge ; CHAMBERS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , DC XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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 follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX 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 2023-05-22 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: MI

Complaint narrative:
On or around XXXX XX/XX/XXXX I filed CFPB complaint XXXX against Equifax because they failed to fix invalid/unverifiable information within my credit file. I provided a coopy of the complaint against the data furnisher I'd submitted to the US Department of Justice. That complaint outlined the various violations of TILARegulatoin Z in which the data furnisher stopped generating both paper and electronic statements. With the copy of the complaint I supplied over two hundred pages of documentation. Highlighting the data furnisher 's own acknowledgement that they had not been billing me.I also included sreenshots shoiwng the data furnisher 's system did not register me as having accounts, copies of " new bill '' notifications that corresponded to no accounts, and multiple billing error notices. Finally I demonstrated the data furnisher was unwilling provide me with copies of statements ( they did not exist ) and how the data furnisher was only willing to provide a screen dump allegedly from an internal system. TILARegulation Z requires that a data furinsher provide periodic billing statements for open-ended accounts. This data furnisher did not and continued to mark the payments late even after they received multiple billing error notices. Equifax allegedly conducted an investigation " updating '' the information for the account. It is now XXXX XXXX of XXXX and the invalid/unverifiable information continues to exist in my credit file with equifax. A data furnisher engages in unlawful and unfair practices if it is non-compliant with TILARegulation Z when providing periodic statements to a consumer. Moreover, a data furnisher is found engage in deceptive and abusive practices if the data furnisher then supplies one or more consumer reporting agencies with information that was generated by violating TILARegulation Z. The FCRA is quite clear in what the responsibility of the data furnisher is when supplying CRAs with information. Equifax has been provided sufficient documentation to know the information being supplied by the data furnisher is inaccuate and unverifiable. Information that is generated by violating Fedral statute and/or Federal Codified Regulations is on its face inaccurate and should not be included in a credit file for a consumer because it is misleading at best. Equifax needs to remove the account/tradeline from my credit file. It is the only CRA of the 3 major CRAs still reporting this information. Equifax continued inclusion of this invalid information in my credit file is harming me as a consumer and preventing me from obtaining housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: AZ

Complaint narrative:
The dispute from Equifax is inaccurate they have not investigated I have a freeze throughout XXXX XXXX its frozen for security I was a victim in XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I have not seen anything that would indicate it mine they wouldnt give me but a few options when disputing Can they prove it was me by a photo ID I want to see my Original Contract with my signature.Eqifax information is from their data center and does not prove it was me just because its been fraudulently placed by anyone with out seeing original contract with my signature on itXXXX XXXX XXXX XXXX to XXXX XXXX XXXX Ak XXXX in a remote location for dates as account was open

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: FL

Complaint narrative:
I have been a XXXX XXXX and I received a wisely card with my direct deposits in XXXX. I worked through XXXX and got direct deposits on the wisely card. I have some direct deposit set up on my card but it is not my main card. On XX/XX/XXXX, I went to XXXX and attempted to make a transaction for XXXX $ and it was declined. Once I got into the car I went on the wisely app and immediately called the service line. There were 5 unauthorized transactions. XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. All transaction were unauthorized and none were flagged by the Institution. Customer services locked my card, issued another one and said I would receive a letter to dispute to help the investigation. I never received any such letter. On XX/XX/XXXX I filed a report with XXXX XXXX police department and received a case number. On XX/XX/XXXX I received a letter from wisely by Adp cardholder dispute department saying that the investigation is finalized and no credit will be issued. I immediately called the customer service department and they said I would need to write a letter to reopen the investigation. I spoke to XXXX and the call center is in the XXXX. I worked hard for my money and I would greatly appreciate if I can get it back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: MO

Complaint narrative:
Discover Card XXXX, failed to uphold their due diligence in providing me the consumer ample and timely notification of required payments that are to be made to satisfy payment on the account and prevent it from reaching a late payment status, in XXXX of 2021 this account was placed with XXXX XXXX XXXX XXXX ( not a collection agency ) for repayment through payments through the service, thereafter upon checking my credit report, Discover Card reported this account as closed, regardless of the nature, I still agreed to be making payments to the service acknowledging the possibility it was still open. It was until examining my credit report a late payment remark of 30 days was made, I contacted Discover Card to please rectify the status in good faith as a mistake on both parties, me the consumer, and Discover Credit Card failing to make multiple attempts to either email me, call me, or send me a letter in the mail, the customer service team rather becomes defensive and argues then acknowledging any mistake, and that they send me paperless statement which I never receive emails from Discover Card or any late warnings. I am very disappointed and aggravated with the poor customer service I received from Discover Card 's inability to file an internal dispute toward my referenced above complaint to remedy the issue... and if you look back at the chat history it really frustrates me more then when I was late after the first billing cycle Discover Card didn't initiate any sort of contact to rectify the late status with my account...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: NY

Complaint narrative:
I HAVE ONLY BEEN ASSOCIATED WITH ONE ADDRESS AND THAT IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX WITH TELEPHONE NUMBER XXXX ANY OTHER ADDRESS OR PHONE NUMBER ON MY CREDIT REPORT IS INCORRECT AND WANT THEM TO BE DELETED WITH ANY ACCOUNTS ASSOCIATED WITH IT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 a consumers written instructions. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # V XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT 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 2023-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BCG Equities, LLC
State: WI

Complaint narrative:
Just received notification that I was sued by this company, or actually it's a debt buyer that just happens to be owned by a law firm that also sues for other debt buyers, or so I was told. I literally found this out after receiving an unsolicited letter from a bankruptcy attorney. Case number is XXXX I'm on social security XXXX. Obviously with a limited income, there will be debt but they never notified me about this debt. If they did, I didn't hear from them. They just went ahead and filed a lawsuit. I know that's their business model, but I don't think suing someone who obviously doesn't have very much money without notifying them first is very ethical. 

They might think different, as they are attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: NY

Complaint narrative:
I HAVE ONLY BEEN ASSOCIATED WITH ONE ADDRESS AND THAT IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX WITH TELEPHONE NUMBER XXXX ANY OTHER ADDRESS OR PHONE NUMBER ON MY CREDIT REPORT IS INCORRECT AND WANT THEM TO BE DELETED WITH ANY ACCOUNTS ASSOCIATED WITH IT

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 2023-05-22 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: NY

Complaint narrative:
I HAVE ONLY BEEN ASSOCIATED WITH XXXX ADDRESS AND THAT IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX WITH TELEPHONE NUMBER XXXX ANY OTHER ADDRESS OR PHONE NUMBER ON MY CREDIT REPORT IS INCORRECT AND WANT THEM TO BE DELETED WITH ANY ACCOUNTS ASSOCIATED WITH IT

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 2023-05-22 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: MI

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
I am missing between XXXX dollars in monies that I payed toward my student loan. I paid one amount and another much smaller amount was logged. I have reached out to the services provided bank statements and fed student aid to complain and even reached out to ombudsman and am not receiving any assistance at all. No one will rectify this issue. I have been dealing with this for over a year now.

Company response to consumer: Closed with explanation