vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 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: TX

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX : XXXX ( Original Creditor : XXXX XXXXXXXX XXXXY ) XXXX Balance {$730.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$260.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$130.00} Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Experian Collection : XXXX XXXX XXXXriginal Creditor : XXXX XXXX XXXX  XXXX Balance {$730.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Collection XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$730.00} XXXX XXXX XXXX XXXX {$1200.00} Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 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: MN

Complaint narrative:
I HAVE TRIED CONTACTING THE FOLLOWING COMPANIES THAT ARE NOT AN ACCOUNT OR REPORTING ON MY EQUIFAX CREDIT FILE. HOWEVER, EACH COMPANY SAID THEY DO NOT HAVE AN ACCOUNT IN MY NAME AT THEIR COMPANY. I HAVE ASKED THEM TO REMOVE THE INQUIRY, THEY SAID THEY WOULD CONTACT EQUIFAX. HOWEVER, MY ISSUE WITH EQUIFAX IS THAT I FILED A IDENTITY THEFT DISPUTE TO HAVE THESE INQUIRIES REMOVED BECAUSE I DID NOT AUTHORIZE THESE INQUIRIES FOR XXXX XXXX, XXXXXXXX XXXX, OR XXXX XXXX NEITH WHICH ARE REPORTING NO ACCOUNTS TO MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND WOULD LIKE THEM REMOVED IMMEDIATELY DUE TO FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX, # XXXX - XXXX, and # 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 instruction

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 2022-06-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXXXXXX now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i cant get aproved for anything which is casing me even more 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 2022-06-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX This company is listing a collection on my account that was previously removed by the original creditor. 

XXXXXXXX XXXXXXXX XXXX  with account # XXXX was deleted from my file. 
now it is being listed under XXXX XXXX XXXX  with an account # of XXXX. 

The Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Under 15 USC 1681i ( B ) ( ii ) this is a violation of my rights and under TILA LAW this is a major violation. 

They are also violating my rights under Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent. This collection being added to my file has hurt my report and I demand this account be removed and blocked from being reported. and under TILA VIOLATIONS I DEMAND VIOLATIONS PAYMENT OF {$5000.00} AND ACCOUNT REMOVAL ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My rights have been violated on each and every one of these accounts! 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX and 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. My legal rights have been violated. 
FCRA RIGHTS HAVE BEEN VIOLATED UNLESS REMOVED I WILL BE SEEKING DAMAGES FOR THESE WILLFUL VIOLATIONS Paid Account / Late Payments Account Name : XXXXXXXX  Account Number : XXXX Please investigate every piece of information is correct. If the late payments arent reporting XXXX percent accurate, please remove them from this account and update the account as paid as agreed Account Name : XXXXXXXX XXXX Account Number : XXXX Please investigate every piece of information is correct. If not please remove it from my credit report. 


Account Name : XXXXXXXX XXXX  Account Number XXXX Please investigate every piece of information is correct. If not please remove it from 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 non-monetary relief
Consumer complaint received 2022-06-24 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: TX

Complaint narrative:
My rights have been violated on each and every one of these accounts! 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX and 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. My legal rights have been violated. 
FCRA RIGHTS HAVE BEEN VIOLATED UNLESS REMOVED I WILL BE SEEKING DAMAGES FOR THESE WILLFUL VIOLATIONS Paid Account / Late Payments Account Name : XXXX  Account Number : XXXX Please investigate every piece of information is correct. If the late payments arent reporting XXXX percent accurate, please remove them from this account and update the account as paid as agreed Account Name : XXXX XXXX  Account Number : XXXX Please investigate every piece of information is correct. If not please remove it from my credit report. 


Account Name : XXXXXXXX XXXX  Account Number XXXX Please investigate every piece of information is correct. If not please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 

XXXX, XXXX Account # : XXXX XXXX Account Type : XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Automotive : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automotive : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX  XXXX Finance : XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXXXXXX Automotive : XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Finance : XXXX XXXX XXXXXXXX Finance : XXXX XXXX XXXX XXXXXXXX Finance : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Finance : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Finance : XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Finance : XXXX XXXX XXXX XXXX XXXXXXXX Automotive XXXX XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX Finance : XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX Finance 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 2022-06-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i was looking at my credit report on XXXX  when i noticed that my XXXX  account is wrong XXXX  balance is {$830.00} experian is {$0.00} and XXXX is {$830.00} also the last activity dates are wrong!!!!!!!!!

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 2022-06-24 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: OH

Complaint narrative:
I have been in looking over my credit report and I found several accounts that does not belong to me. I have never done any business with the following companies and I demand a re-investigation of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I would like a security freeze on my credit file until I can figure out the issues with the unknown 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 explanation
Consumer complaint received 2022-06-24 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: MT

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX MT XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX XXXX opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX XXXX {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$13.00}. According to FCRA Section 605B ( a ) the 3 CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-06-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX This company is listing a collection on my account that was previously removed by the original creditor. 

XXXXXXXX XXXX XXXX with account # XXXX was deleted from my file. 
now it is being listed under XXXX XXXX XXXX  with an account # of XXXX. 

The Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Under 15 USC 1681i ( B ) ( ii ) this is a violation of my rights and under TILA LAW this is a major violation.

They are also violating my rights under Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent. This collection being added to my file has hurt my report and I demand this account be removed and blocked from being reported. and under TILA VIOLATIONS I DEMAND VIOLATIONS PAYMENT OF {$5000.00} AND ACCOUNT REMOVAL ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX This company is listing a collection on my account that was previously removed by the original creditor. 

XXXXXXXX XXXX XXXX with account # XXXX was deleted from my file. 
now it is being listed under XXXX XXXX XXXX with an account # of XXXX. 

The Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Under 15 USC 1681i ( B ) ( ii ) this is a violation of my rights and under TILA LAW this is a major violation.

They are also violating my rights under Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent. This collection being added to my file has hurt my report and I demand this account be removed and blocked from being reported. and under TILA VIOLATIONS I DEMAND VIOLATIONS PAYMENT OF {$5000.00} AND ACCOUNT REMOVAL ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX - XXXX, and # 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 instruction

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 2022-06-24 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, # XXXX - XXXX, and # 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 instruction

Company response to consumer: Closed with explanation