vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 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: NJ

Complaint narrative:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the correction of the following items. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-24 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: TX

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$910.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX  Inquiry : XX/XX/20XXXX 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 2023-03-24 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: MoneyLion Inc.
State: NC

Complaint narrative:
MoneyLion is falsely reporting a loan with a balance as recently as XX/XX/2023. However, the account is paid in full and even reflects so in the moneylion account. They do not respond to contact

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 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing this letter to bring to your attention a potential violation of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) in regards to my account with your institution. It has come to my attention that your company may have violated 15 USC 1681 ( a ) ( 2 ) ( B ) of the FCRA, which excludes any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device from the definition of a consumer report. 

As per the Truth in Lending Act 15 USC 1602 ( g ), a credit card is defined as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This definition includes my social security card, drivers license/ID, and license plate which were used for the extension of credit. Thus, your company 's reporting of this account on my consumer reports is a violation of the FCRA. 

Moreover, I believe that your company has violated the GLBA by failing to provide me with proper notice and an opportunity to opt-out of the disclosure of my nonpublic personal information to nonaffiliated third parties. As per GLBA Section 6802 ( a ), a financial institution may not disclose any nonpublic personal information to a nonaffiliated third party without providing a notice that complies with Section 6803 of the Act. Furthermore, GLBA Section 6802 ( b ) ( 1 ) requires that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity to direct that such information not be disclosed.

However, I have not received proper notice from your company nor have I been given an opportunity to opt-out of the disclosure of my nonpublic personal information. Therefore, I am hereby requesting that you provide me with all the above-required disclosures as per Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AL

Complaint narrative:
MBA law {$1500.00} Original debt was owed to citizens hospital in 2021. 
XXXX hospital new employee was not trained to enter issuance correctly. Never received the first bill. 
More than 1 year later, I was turned over to a debt collector. I tried to straighten out bill. Due to I only owed 10 % of {$1500.00}, I have reached my medical deductible that year. The first collection stated that they would go Back to XXXX  and have it straightened out. The debt collector stated it was fixed. 2 years later, the debt is sold to another collector. I stated the issue and proceed to straight it out again. I ask for an explanation of benefits and found out it was still not filed with my issuance. I have offered multiple time to owe my portion ( {$150.00} ), many times and they refuse to file a claim with accordance of being a XXXX provider. 

I do not owe this debt and want it removed from my credit report. 

I have documentation, names and contacts within XXXX that will confirm my called and my attempts to straighten it this bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 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 XXXX, XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States i have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX. 
Closed on XX/XX/XXXX XXXX  Closed on XXXX XXXX, XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX {$80000.00} Reported balance XXXX XXXX  XXXX Last reported XX/XX/XXXX {$20000.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX. 
Closed on XX/XX/XXXX XXXX Closed on XXXX XXXX, XXXX XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$80000.00} Reported balance XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$20000.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The address on this Bankruptcy is inaccurate. I have submitted all documents to all XXXX and all bureaus and have got nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The address on this Bankruptcy is inaccurate. I have submitted all documents to all XXXX and all bureaus and have got nowhere.

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 2023-03-24 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: IL

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

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$4500.00} written off. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX XXXXXXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$1100.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Name XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX CARDS/CITIBANK Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$1300.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$360.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Name XXXX XXXX  Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 2023-03-24 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: FL

Complaint narrative:
For the past year I've been trying to get Transunion to correct my name on my credit file. They have me as XXXX XXXX XXXX XXXX. I am not XXXX After literally 5 dispute actions they still refuse to correct my name and this has caused me to miss financial opportunities.

The company continues to tell me the information is accurate as though my birth certificate and my government issued identification is somehow wrong in their opinion. I have never used any suffixes regarding my name on purpose or accidently and I need this corrected immediately.

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.

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 2023-03-24 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:
This is my NUMEROUS 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 ITEMS. 
XXXX, XXXX, XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: NJ

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. 
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 XXXXXXXX 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 2023-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Oportun was in The Process of XXXX XXXX XXXX, for a {$500.00} Loan. An Employee Filed My Last Name Incorrectly, The Organization on a Recorded Line, Twice Not Only did a regular employee Offer Me To Continue with The Transaction that I plainly stated that My Last Name was Incorrect, But Pressured Me to Continue with The Loan Process. A Supervisor ignored My Request to Correct My Last Name before continuing with The Loan Process, stated I needed to Continue with The Loan Process Because Thats what they had on File, which was incorrect information. As Far as I know This was done on a Recorded Line for Quality Assurance. XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-24 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: HI

Complaint narrative:
I do not recognize how this account is reporting on my credit report, I don't recognize the account status, I don't recognize the account high balance nor do, I recognize the late payments associated with it everything reported here does not meet the FCRA. 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate XXXX XXXX # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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'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 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 non-monetary relief
Consumer complaint received 2023-03-24 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: MO

Complaint narrative:
I have been a victim of identity theft I sent in copy of police report and the fraudulent items are still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: MO

Complaint narrative:
I have been a victim of identity theft I sent in copy of police report and the fraudulent items are still on 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 explanation