vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My Credit reports are showing that i have or had a mortgage account with XXXX  XXXX with a balance of about {$700000.00} and it was liquidated or deed in lieu when no such debt existed with XXXX XXXX and in any event was discharged in XX/XX/2014.

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 2022-06-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My Credit reports are showing that i have or had a mortgage account with XXXX XXXX with a balance of about {$700000.00} and it was liquidated or deed in lieu when no such debt existed with XXXX XXXX and in any event was discharged in XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This company XXXX XXXX continues to show an open balance when I have tried consistently to resolve this, At first this company wa sall good my score went up. I went through the whole program and finished. 
There was a zero balance and they even sent a check back to me to indicate I am finished with the program. 

Then I heard nothin else and now they keep showing a balance and keep reporting incorrect information on my credit report. 
ask them to mail you the letter that my account zeroed out and I succesfully finished their program.

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 2022-06-19 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: MA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-19 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: MA

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: NY

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 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 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 2022-06-20 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX, I was under the impression that I entered into a consumer credit transaction when I provided these persons my information. I go to check my report and see that I have been taken advantage of blindly. I reached out to this person to let them know that they violated my right under the fair credit reporting act 15 usc 1681 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: NY

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 Bank XXXX. XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 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 2022-06-20 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. And if that wasn't enough, the provisions include criminal penalties of up to five years in prison, and the revocation of licenses. 

XXXX XXXX Bank transferred my Nonpublic Personal Information to an nonaffiliated 3rd party ( Resurgent Receivables LLC ) and Teisha WITHOUT any of my lawfully authority.

The two companies mentioned above shall be fined under Gramm-Leach-Bliley Act {$100000.00} ( PER VIOLATION ). 

I, XXXX XXXX, did not give any written instructions nor permission to XXXX XXXX Bank to transfer my personal information nor sell my account pursuant to 18 U.S. Code 1028A ( 1 ) ( 2 ) both companies will be held Criminally accountable. Facts!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2022 I sent a dispute to Equifax and XXXX about some sketchy accounts on my credit report. To this date I have not received any updates. I'm just trying to get this resolved so I can move forward with my life. This is adding more pressure to my life because I can not use my credit for anything and these accounts aren't even suppose to be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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 Account XXXX has violated my rights. 
XXXX Account XXXX has violated my rights. 
XXXX XXXX XXXX Account XXXX has violated my rights. 
XXXX XXXX XXXX Account XXXX has violated my rights. 


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

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

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 2022-06-20 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: 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 Account XXXX has violated my rights. 
XXXX Account XXXX has violated my rights. 
XXXX XXXX XXXX Account XXXX has violated my rights. 
XXXX XXXX XXXX Account XXXX has violated my rights. 


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

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

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 2022-06-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2022 I sent a dispute to XXXX and Transunion about some sketchy accounts on my credit report. To this date I have not received any updates. I'm just trying to get this resolved so I can move forward with my life. This is adding more pressure to my life because I can not use my credit for anything and these accounts aren't even suppose to be on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I need help with a dispute that I submitted on XX/XX/2022 with Transunion, XXXX, and XXXX. I haven't received any response as of yet. I need them to be held responsible for investigating my dispute.

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 2022-06-20 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX, I was under the impression that I entered into a consumer credit transaction when I provided these persons my information. I go to check my report and see that I have been taken advantage of blindly. I reached out to this person to let them know that they violated my right under the fair credit reporting act 15 usc 1681 ( a )

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 2022-06-20 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX, I was under the impression that I entered into a consumer credit transaction when I provided these persons my information. I go to check my report and see that I have been taken advantage of blindly. I reached out to this person to let them know that they violated my right under the fair credit reporting act 15 usc 1681 ( a )

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 2022-06-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I need help with a dispute that I submitted on XX/XX/2022 with XXXX, Equifax, and XXXX. I haven't received any response as of yet. I need them to be held responsible for investigating my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I need help with a dispute that I submitted on XX/XX/2022 with XXXX, XXXX, and Experian. I haven't received any response as of yet. I need them to be held responsible for investigating my dispute.

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 2022-06-20 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: MN

Complaint narrative:
Attached to this complaint is a Federal Trade Commission Identity Theft Report, identification documentation and a partial XXXX credit report showing they deleted the XXXX credit inquiry which is still listed on my XXXX credit report. The following accounts and credit inquiries listed on my Experian and XXXX credit report are fraudulent, unauthorized and not my accounts or credit inquiries : XXXX XXXX XXXX XXXX, XXXX, {$370.00}, XXXX XXXX XXXX XXXX, XXXX, {$3700.00}, XXXX XXXX Bank, XXXX, {$570.00}, XXXX XXXX Bank, XXXX {$570.00}, XXXX XXXX Bank, XXXX, {$2000.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX and XXXX, XX/XX/XXXX. The accounts and credit inquiries are all fraudulent, unauthorized and not mine. I have sent Experian and XXXX the Federal Trade Commission Identity Theft Report along with a police report case number, but Experian and XXXX continues to keep to put and keep the fraudulent accounts on my credit report. The XXXX  XXXX account has been deleted and removed from my Experian and XXXX report twice, by Experian XXXX XXXX, but the XXXX  XXXX account is back on my Experian and XXXX credit report. I sent Experian and XXXX all kinds of documentation proving I am a victim of identity theft, but Experian and XXXX continues to put fraudulent accounts and the same fraudulent accounts, Experian and XXXX has deleted previously on my credit report. This is very frustrating. The CFPB, U.S. Congress and the U.S. Department of Justice need to investigate Experian, XXXX and XXXX XXXX for violating the Fair Credit Reporting Act under Federal law. The U.S. government needs to take over the credit bureau industry because Experian, XXXX and XXXX XXXX dont listen to the consumers. They violate the FCRA constantly and do whatever they want to do.

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 2022-06-20 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: PA

Complaint narrative:
THESE COMPANIES VIOLATED MY RIGHTS TIME AND TIME AGAIN UNDERTHESE LAWS WHICH IM PROTECTED 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS 15 U.S.C 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE XX/XX/XXXX XXXX BANK XX/XX/XXXX ACCT XXXXXX/XX/XXXXXXXX BANK ACCT XXXX XXXX/XXXX/XXXX XXXX BANK ACCT XXXX XX/XX/XXXX XX/XX/XXXXL XXXX XXXX ACCT XXXX XXXX XXXX CREDIT CARD ACCT XXXX XXXX XXXX CREDIT CARD ACCT XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX ACCT XXXX.. 
XXXX XXXX ACCT XXXX XXXX XX/XX/XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XX/XX/XXXX CHILD SUPPORT ACCT 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 2022-06-20 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: TX

Complaint narrative:
I am a consumer/natural living breathing person attempting to correct inaccuracies on my consumer report. I am aware that my rights are being violated as my privacy has been breached as these accounts should be excluded according to the Fair Credit Reporting Act because the accounts contain transactions and experiences. I have recently made a report to Experian to correct these inaccuracies, in regards to the accounts XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX as well as XXXX XXXX XX/XX/XXXX and received correspondence from Experian which states that after the investigation the accounts are accurate, and as I am not content with the results, I now require a copy of the investigation that took place which proves why these accounts are in fact accurate.

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 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, XXXX XXXX XXXX. Keep reporting inaccuracies and comments on my credit report. XXXX Account number XXXX comments are inaccurate I have never been in forbearance in fact this account is paid in full. I have provided them notice from XXXX, XXXX. Showing this account was paid in full and was never in forbearance or deferred. The inaccurate comments on this account needs to be deleted. Enclosed you will find proof that this account was paid and never deferred or in forbearance of any kind. 
Experian, XXXX XXXX and XXXX assured me on the phone it would be corrected and removed and nothing has been done. Because of this inaccurate comments they are reporting I am being denied a mortgage loan.

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 2022-06-20 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: NC

Complaint narrative:
I send information to Experian thru cfcb and they closed the case without fixing it submitted on XX/XX/2022 and I am seeking a XXXX per violation

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 2022-06-20 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 non-monetary relief