vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-28 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: CT

Complaint narrative:
UPDATE TO CLAIM XXXX FAILURE TO COMPLY!! FAILURE TO COMPLY!! FAILURE TO COMPLY!! 
TRANSUNION has not PERFORMED and EXERCISED THEIR GRAVE DUTIES UNDER THE UNITED STATES CONGRESS TO CONDUCT BUSINESS ACCORDINGLY UNDER THE FCRA. THE UNITED STATES CONGRESS DEMANDS TRANSUNION TO EXCLUDE ALL TRANSACTIONAL ACCOUNTS! FROM A CONSUMER REPORT UNDER 15 USC 1681a ( 1 ) ( 2 ). THE UNITED STATES CONGRESS ALSO DEMANDS TRANSUNION TO HAVE WRITTEN CONSENT TO FURNISH A CONSUMER RPORT ON BEHALF OF THE CONSUMER. TRANSUNION HAS WILLFULLY DECIDED TO CONDUCT BUSINESS OUTSIDE OF THE FEDERAL SYSTEM AND HAS INFRINGED ON MY PURSUIT TO HAPPINESS UNDER THE CONTISTUTION VIOLATING ME UNDER THE BILL OF RIGHTS BY NOT OPPERATING UNDER FEDERAL LAW AS THEY ARE REQUIRED. TRANSUNION HAS CONDUCTED A FRAUD BIAS RE-INVESTIGATION THAT WAS NOT REQUESTED AND HAS NOT PROVIDED THE NAMES AND ADDRESS OF THOSE PERSONALLY INTERVIEWED TO VERIFY ACCOUNTS AS DEFINED BY THE UNITED STATES CONGRESS OF INVESTIGATIVE REPORT. FURTHER MORE TRANSUNION WAS DEMANDED TO EXERCISE THEIR RESPONSIBILITIES AND GRAVE DUTIES NOT TO VERIFY AN ACOOUNT!!. I DEMAND TO KNOW WHAT GIVES TRANSUNION THE AUTHORITY TO DISREGARD THE UNITED STATES CONGRESS AND CONDUCT BUSINESS OUTSIDE OF THE SCOPE OF THE FEDERAL SYSTEM IN ORDER TO WILLFULLY VIOLATE THE FEDERALLY PROTECTED CONSUMER AND FCRA AND CFPB

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 2023-01-28 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 XXXX Account # XXXX and Experian, has violated my rights and is in violation of U.S code.

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 US Code 1681 States accuracy and fairness of credit reporting 15 U.S.C 6801 States protection of nonpublic personal information I am writing to respectfully demand that Experian investigate and remove the inaccurate information currently being reported on my credit report. Specifically, there is an entry for an " Account charged off '' with a balance of {$1300.00} that was written off and past due as of XX/XX/2023. I have previously requested for this information to be investigated and removed, but to no avail. 

I believe that this information is inaccurate and should not be reported on my consumer report. According to the IRS, a charge off is considered to be gross or ordinary income, which should not be reported on a consumer credit report. The reporting of this information is causing harm to my credit score and reputation, as I have been denied multiple lines of credit due to this inaccurate information. 

I understand that Experian 's role is to protect the nonpublic personal information of its consumers. However, in this case, I believe that Experian has not fulfilled its duty to me as a consumer. I am requesting that Experian take immediate action to correct this error and remove the charge off from my consumer report. I believe that this action is fair and equitable to me as a consumer. Thank you for your attention to this matter. 


Enclosed : ID, Utility bill, Proof of charge off status, IRS charge off information, FTC 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 2023-01-28 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: IL

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 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 
, have 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
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo account got closed and I had money in it and they charge me fees

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 2023-01-28 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:
Just got a copy of my credit report, and I discovered an account that are not mine. That I've become a victim of identity theft shocks me. I've been upset by this because I'm trying to get my family a house. As soon as you can, please delete this fraudulent account 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 2023-01-28 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: FL

Complaint narrative:
Just got a copy of my credit report, and I discovered an account that are not mine. That I've become a victim of identity theft shocks me. I've been upset by this because I'm trying to get my family a house. As soon as you can, please delete this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: FL

Complaint narrative:
Just got a copy of my credit report, and I discovered an account that are not mine. That I've become a victim of identity theft shocks me. I've been upset by this because I'm trying to get my family a house. As soon as you can, please delete this fraudulent account 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 explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: NV

Complaint narrative:
I filed a complaint about them holding my principal payments in a suspense account instead of applying them to the principal on my loan. You contacted them and they moved the funds yesterday and today they have moved them back. I have contacted the company and they don't know what is going on. I don't want to have to wait another 4 months to have them attempt to remedy the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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:
I have notified TransUnion several times that I didn't authorize these companies to run my credit and also that there was no firm offer for credit either. I have asked for verification documents and TransUnion has failed numerous times to give me those documents. 

Remove these inquiries. I did not give consent for them to have access to my credit report... 

XXXX XXXX XXXX XX/XX/XXXX this company verified to me this was identity theft and I have sent you those documents last week. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/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 2023-01-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX, 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 2023-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-28 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: IN

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. Account name- XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ) # ending XXXX XXXX. Account name- XXXX XXXXXXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX ) # ending XXXX XXXX. Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # ending XXXX XXXX. Account name- XXXX XXXXXXXX XXXX  # unknown XXXX. Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX # ending XXXX XXXX. Account name- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) # 1959 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 and 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: IN

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. 

1. Account nameXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX # ending XXXX XXXX. Account name- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX # ending XXXX XXXX. Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # ending XXXX XXXX. Account name- XXXX XXXXXXXX XXXX # unknown XXXX. Account nameXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # ending XXXX XXXX. Account name- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make and 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 1681 s-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 2023-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
chase sw visa  closed my account without notifying me i was traveling with my son for hockey tournament and when we got into XXXX my cc which i used to secure rental card would not work we were stranded without a rental car. i called and after XXXX minutes on hold a VERY callous individual got on and basically didnt care at all about our situation. i also have a credit balance on my card as i over paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: SC

Complaint narrative:
Disputing information on my credit reports with XXXX, XXXX and Equifax i have sent in an FTC report, police report and a letter. I have contacted all creditors in this matter and these fraudently items need to be deleted asap because i was disputing these fraudently items on my credit reports for a year now. 

XXXX XXXX date open XX/XX/XXXX {$850.00} sent police report and ftc report and contacted creditor. 

XXXX XXXX date open XX/XX/XXXX {$700.00} XXXX XXXX date open XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$30000.00} XXXX XXXX open XX/XX/XXXX $ XXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for $ XXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX  XXXX open XX/XX/XXXX {$1300.00} sent in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open XX/XX/XXXX $ XXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX XXXX open on XX/XX/XXXX for $ XXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX service open on XX/XX/XXXX for $ XXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for $ XXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for {$640.00} sent in police report and ftc report to credit bureau and contacted creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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:
Updated and introducing new information. I went to purchase a automobile and ask for them not to run my credit with multiple lenders. They did not listen resulting in un lawful inquires, making my consumer report inaccurate. 
In accordance with FCRA section 611 this company violated my consumer rights! 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 XXXX2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Every bank I've tried to open can't verify id

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 2023-01-28 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: IL

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 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. 
, have 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 2023-01-28 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 : 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. 
, have 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
Consumer complaint received 2023-01-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number 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, 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 2023-01-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number 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 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