vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-08 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # 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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Have held a XXXX XXXX card/account for some years. However, within the last month or two, there is an inquiry for a new account on my credit report. The inquiry is for a XXXX XXXX account, that I have NEVER applied for. I never received any notification that my credit would be ran for such new account. When I sent a customer inquiry asking both why I had a balance on this XXXX  account and why my credit report was pulled for this account when I never authorized it, I received a response telling me they could not send that information to me via email. In order to maintain a decent credit score, I made a payment in full on this XXXX account. But I NEVER applied for this account, I NEVER received a card for this account, I NEVER made a purchase on this account and I NEVER authorized them to pull 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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Have held a XXXX XXXX card/account for some years. However, within the last month or two, there is an inquiry for a new account on my credit report. The inquiry is for a XXXX XXXX account, that I have NEVER applied for. I never received any notification that my credit would be ran for such new account. When I sent a customer inquiry asking both why I had a balance on this XXXX  account and why my credit report was pulled for this account when I never authorized it, I received a response telling me they could not send that information to me via email. In order to maintain a decent credit score, I made a payment in full on this XXXX account. But I NEVER applied for this account, I NEVER received a card for this account, I NEVER made a purchase on this account and I NEVER authorized them to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Have held a XXXX XXXX card/account for some years. However, within the last month or two, there is an inquiry for a new account on my credit report. The inquiry is for a XXXX XXXX account, that I have NEVER applied for. I never received any notification that my credit would be ran for such new account. When I sent a customer inquiry asking both why I had a balance on this XXXX  account and why my credit report was pulled for this account when I never authorized it, I received a response telling me they could not send that information to me via email. In order to maintain a decent credit score, I made a payment in full on this XXXX account. But I NEVER applied for this account, I NEVER received a card for this account, I NEVER made a purchase on this account and I NEVER authorized them to pull 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
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello I contacted the Main Company that allowed someone to apply for credit which cause XXXX XXXX XXXX XXXX California to run my credit with over 30 different companies on XX/XX/XXXX. I spoke with the General Manager of XXXX XXXX XXXX XXXX California XXXX XXXX, and he did apologize and admits this was done in error and they would all be removed, however these inquires remain on my report. I contacted each creditor and they were rude and not willing to take action in removing these inquiries from my credit report that were all done on same day XX/XX/XXXX and XXXX, XXXX. In the result this has caused my credit score to drop and preventing me from having excellent credit. Below is a list of the companies that I have inquiries from and demand they be removed. 
XXXX XXXX XXXXran XXXX  times JXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX- Ran XX/XX/XXXXtimes XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello I contacted the Main Company that allowed someone to apply for credit which cause XXXX XXXX XXXX XXXX California to run my credit with over 30 different companies on XX/XX/XXXX. I spoke with the General Manager of XXXX XXXX XXXX XXXX California XXXX XXXX, and he did apologize and admits this was done in error and they would all be removed, however these inquires remain on my report. I contacted each creditor and they were rude and not willing to take action in removing these inquiries from my credit report that were all done on same day XX/XX/XXXX and XXXX, XXXX. In the result this has caused my credit score to drop and preventing me from having excellent credit. Below is a list of the companies that I have inquiries from and demand they be removed. 
XXXX XXXX XXXXran XXXX  times XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ran 2 times XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 5

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX/XXXX/XXXX  Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX Account # 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX/XXXX/XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # 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

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 2022-06-08 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:
XXXX is using my identity fraudulently. Transunion is reporting a fraudulent account on my credit report. A FTC report was filed and is enclosed. XXXX/DEPT OF ED XXXX needs to be removed not my account.

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 2022-06-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Upon reviewing my Target XXXX card activity online on XX/XX/2022, I immediately noticed a fraudulent transaction that I did not take part in. Specifically, it was for a charge dated XX/XX/2022 in the amount of {$330.00}. I immediately contacted the business on XX/XX/2022 and spoke to XXXX XXXX to report the issue. Just to clarify, per the conversation, the current card number has been shut down and a new card number has issued. Additionally, the charge mentioned should be removed from my account. Lastly, the Target store that I last used the card for {$3.00} on XX/XX/2022 should be checked for skimming devices on the credit card readers. As it seems like a coincidence that two days after my Target in store purchase, my card number was fraudulently used online at Target.com.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
DATAX is refusing to remove old information from my credit file such as old employment where I have not worked at that organization in six years. 

It was the XXXX XXXX  for the Aging XXXX XXXX XXXX XXXX, Md XXXX I have not worked there since 2016 and they are telling me to contact the organization which is XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC
State: MN

Complaint narrative:
An account just appeared on my credit for XXXX bank. This is a fairly old debt that would have been included in bankruptcy. I haven't received an email communication or mail to confirm or dispute debt ( at least none that im aware of ), otherwise I would have made efforts to clear up all to clear things. I'm a bit frustrated and feel a bit inconvenienced. 
I aonly have partial account number avail XXXX this is what I see. 

NAME XXXX XXXX Last 4 of SSN XXXX Amount {$610.00} Not sure whats needed on my end to further support my claim. Happy to dog up whatever I need to. 

Do i need to find my bankrupty lawyer to suppot? 

Thank you all for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX California, 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 2022-06-08 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( account number not listed on report ) 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act, XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open an end consumer credit plan as late for any purpose. It is showing a late payment for XX/XX/2022 on my XXXX card ending in # XXXX on file AND a late payment for my XXXX auto loan beginning in # XXXX for XX/XX/2022 TOO. This is simply not true. I would like an investigation launched about this supposed late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: TN

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

15 U.S.C. 168

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 2022-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Hallo, My name is XXXX XXXX and my credit score was greatly impacted cause of late payment. 

I want to state that I have always had a good credit and have never defaulted any payment, on as of XX/XX/XXXX my mortgage was transferred from Mortgage Solutions to XXXX XXXX but the only notification I received was on mail but unfortunately I was out of country until XX/XX/XXXX. 
I have proof of communication with my past mortgage company inquiring what was really going on cause theres auto pay amount taken from my bank. 

Thanks!

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 2022-06-08 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: AR

Complaint narrative:
On numerous occasions, I have contacted Experian regarding the removal of an inarticulately reported bankruptcy that does not belong to me. 

The Experian reference number for this bankruptcy is XXXX. 

This bankruptcy in fact has been removed by XXXX and XXXX ( I have attached the dispute results from XXXX showing its removal ) who have agreed that the bankruptcy is not mine. I will include a 3 bureau report highlighting the fact it is not reporting to XXXX or XXXX, but is still reporting to Experian. There were also the following accounts that were tied to this incorrectly reported bankruptcy. They are as follows : XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX It is important to note that both XXXX and Experian have already deleted these inaccurately reported accounts as well. 

Furthermore, I must also bring up that my rights are being violated under 15 U.S.C. 1681 section 604 A Section 2 : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions. 

I have not given written permission to Experian ( a consumer reporting agency by definition ) to report this inaccurate bankruptcy nor these inaccurate accounts on my credit report with them.

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 2022-06-08 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # 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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX 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 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 2022-06-08 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 of XXXX California, 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 2022-06-08 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: Shellpoint Partners, LLC
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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:
My identity is being fraudulently used by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting a fraudulent account on my credit report. A FTC report was filed and is enclosed. XXXX XXXX XXXXXXXX account needs to be removed not my account. 
The account number is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation