vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality as a consumer under 15 USC 1681. 

XXXX XXXX Closed Date : XX/XX/XXXX XX/XX/XXXX Amount : {$1300.00} XXXX XXXX XXXX Closed Date : XX/XX/XXXX Amount : {$830.00} XXXX XXXX Closed Date : XX/XX/XXXX. Amount : {$750.00} XXXX XXXX XXXX  XXXX. Closed Date : XX/XX/XXXX. Amount : {$350.00} XXXX XXXX XXXX Date Assigned : XX/XX/XXXX. Amount : {$1000.00} XXXX XXXX XXXX XXXX XXXX  Date Assigned : {$2400.00}. Amount : {$2400.00} 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.

15 U.S.C. 1681 section 602 a., states that I have a right to privacy!

15 U.S.C. 1681 section 604 A section 2., state a consumer porting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 6 ) states the name, address, and telephone number of any medical information furnisher that has notified the agency of its status 15 u.s.c. 1681s-2 ( a ) ( 1 ) ( a ) state a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

15 u.s.c. 1681s-2 ( a ) ( 1 ) ( b ) states a person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have repeatedly disputed the accuracy and or ownership of the above mentioned accounts directly with the companies and or persons and the consumer reporting agency without out avail. I file the complaint in earnest with the best intentions of resolve.

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 2024-11-14 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality as a consumer under 15 USC 1681. 

XXXX XXXX Closed Date : XX/XX/XXXX XX/XX/XXXX Amount : {$1300.00} XXXX XXXX XXXX Closed Date : XX/XX/XXXX Amount : {$830.00} XXXX XXXX Closed Date : XX/XX/XXXX. Amount : {$750.00} XXXX XXXX XXXX  XXXX. Closed Date : XX/XX/XXXX. Amount : {$350.00} XXXX XXXX XXXX Date Assigned : XX/XX/XXXX. Amount : {$1000.00} XXXX XXXX XXXX XXXX Cent Date Assigned : {$2400.00}. Amount : {$2400.00} 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.

15 U.S.C. 1681 section 602 a., states that I have a right to privacy!

15 U.S.C. 1681 section 604 A section 2., state a consumer porting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 6 ) states the name, address, and telephone number of any medical information furnisher that has notified the agency of its status 15 u.s.c. 1681s-2 ( a ) ( 1 ) ( a ) state a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

15 u.s.c. 1681s-2 ( a ) ( 1 ) ( b ) states a person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I have repeatedly disputed the accuracy and or ownership of the above mentioned accounts directly with the companies and or persons and the consumer reporting agency without out avail. I file the complaint in earnest with the best intentions of resolve.

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 2024-11-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
DUE TO BANK MAKING ERRORS ON PUTTING MONEY IN WRONG ACCT CAUSED FEES TO BE CHARGED TO MY BROKERAGE ACCT AND ALL THE CONTACTS TO FIND OUT WHY AND MANY OTHER ISSUES AND XXXX I WENT THRU SINCE XX/XX/year> THRU XX/XX/year> AND BRANCH MGR ISSUES I GET WE CLOSING YOUR ACCT AFTER XXXX PLUS YRS DUE TO XXXX  IAM BEING TREATED WITH CLOSING AND CALLING XXXX ENFORCEMENT OVER THEIR MISTAKES AND ENDLESS TIME ON PHONE AND EMAILS NO INFO ON WHY WHO AND REF # NUMBERS ON WHY AND ETC. THIS IS NOT THE ONLY ISSUE WITH THIS BANK EITHER!!!!!!!!!! THIS IS CAUSING ISSUES BECAUSE I AM RETIRED AND XXXX ON SS WHICH NOW HAVING TO PAY BILLS AND MAKE SHUR IF THIS ACCTIS CLOSE WHERE TO GO THIS IS ABSOLUTLY ABSURD TO TREAT PEOPLE BECAUSE OF WOKE GENERATION!!!!!!!!!!!!!!!!!!

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 monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After reviewing my XXXX XXXX report I noticed negative reporting on several different banks I'm not familiar with. I sent a dispute letter to XXXX XXXX for validation of the negative accounts being reported. In response they sent a letter indicating the accounts were accurate and complete and verified. However, I did not receive any of the documents, I requested to verify and validate the debt and or negative accounts belong to me. 

XXXX Account # : XXXX, XXXX, XXXX According to the FCRA laws : 2. Right to Dispute Inaccuracies Section 611 : Consumers have the right to dispute any inaccurate or incomplete information on their consumer report. Reporting agencies must investigate disputes, usually within 30 days.

3. Notification of Dispute Results Section 611 ( a ) ( 6 ) : Once a dispute is resolved, the consumer reporting agency must provide the consumer with a written response detailing the results of the investigation and any changes made to the report. 

Early Warning violated by consumer rights according to the laws listed above by not providing written response detailing the response of the investigation and providing documents used to validate the debt. Please find attached all disputes sent to EWS and their response.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting 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:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureas will investigate this account for me to ensure its complete accuracy. Here is the account I am asking you to investigate. XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting 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:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureas will investigate this account for me to ensure its complete accuracy. Here is the account I am asking you to investigate. XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
On XX/XX/year> we purchased a new vehicle from a dealership in XXXX Missouri. Before we started the credit application process, we asked that the dealership not run our credit through a bunch of lending institutions, and they were advised to limit to a XXXX of XXXX locations. They disregarded our request and I now have a total of XXXX hard inquires listed on my credit report all but XXXX were related to auto financing.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
I have tried to do evrything wright called the creditor back in XXXX they said they would submit an investigation never heard from them again till today then I asked the credit agency to review all the information sent never got any response just stating documentation invalid so no I got tired of that and I am requesting help its been XXXX months since I ever touch the topic again I dont fid it fair that no one gives a straight answer on why is the debt accurate when they have nee sending text messages to my dead uncles phone number I checked with my aunt XXXX the man has no accounts with the next creditors XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX nor has any inquirires or called any of these creditors XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX Credit Cards XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX and desist calling my neighbors they do not owe you anything and neither do I

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 2024-11-14 00:00:00
Product: Credit reporting 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - {$30000.00} - {$30000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX 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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
My XXXX XXXX XXXX account is paid off still showing a balance Credit Collection is showing I owe the And I do not.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting 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: 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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-14 00:00:00
Product: Credit reporting 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:
I am writing to formally request the blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. My personal information was compromised in a data breach, and these entries were fraudulently created using my identity. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts and inquiries be blocked and permanently removed from my credit file. 
Unauthorized Accounts XXXX. XXXX o Account XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$980.00} XXXX. XXXX o Account XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$86000.00} XXXX. XXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  o Account XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$7600.00} XXXX. XXXX o Account XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$14000.00} XXXX. XXXX  o Account XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$890.00} XXXX. XXXX  o Account XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00} XXXX. XXXX o Account XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$74000.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting 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:
I am writing to formally request the blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. My personal information was compromised in a data breach, and these entries were fraudulently created using my identity. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts and inquiries be blocked and permanently removed from my credit file. 
Unauthorized Accounts XXXX. XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$980.00} XXXX. XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$86000.00} XXXX. XXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7600.00} XXXX. XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$14000.00} XXXX. XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$890.00} XXXX. XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00} XXXX. XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$74000.00} XXXX. XXXX XXXX XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX. XXXX 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 explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.

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