vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

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 2023-05-23 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: GA

Complaint narrative:
I have submitted several complaints before for the Bankruptcy on my account that is not mine. Today, I am submitting a complaint for the FRAUDULENT items on my credit report. 

There are multiple FRAUDULENT items on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent items and they're still reporting on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: KY

Complaint narrative:
I was notified by XXXX XXXX that I had a delinquency in my report. When I looked at the delinquency it was with LJ Ross and Associates. I contacted them and they told me it was an unpaid bill to XXXX XXXXXXXX in the amount of XXXX. I have never resided in Nevada so this is clearly fraud. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX phone XXXX account # XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: MS

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors 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 can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I applied for a loan from Titlemax for the amount of {$350.00}. I have made over 10 payments of {$170.00} in which I believe that I have already overpaid. However, it was at this point when I found out that I had to pay an extra {$500.00} dollars in order for my account to be closed. Nevertheless, On XX/XX/XXXX I reached out to the manager regarding these charges and I told her that due to my limited income I can't afford to pay this amount. The same situation occurred in XX/XX/XXXX again I told her that my monthly income and how the cost of living my rent and utilities consumes my whole check. The manager ( XXXX XXXX XXXX ) provided me this solution that If I would borrow {$200.00} from a family member or friend the remaining balance will be a write-off. 
I wasn't told on the day of signing this contract that there would be an additional fees to pay. I believe that I already overpaid on this account. Titlemax, I have found this incident to be unfair, deceptive way of doing business. Please help me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 explanation
Consumer complaint received 2023-05-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Subject : Request for Removal of Late Payments and Inaccuracies - Account Number XXXX I am writing to request the removal of late payments and inaccuracies from my credit report, specifically regarding the account with account number XXXX, held with XXXX XXXX XXXX. These late payments and inaccuracies violate 15 U.S.C. 1681a, which guarantees my right to privacy and accuracy of information. 
According to 15 U.S.C. 1681a, as a consumer, I have the right to expect that the information in my credit report is accurate and reflects only valid transactions and experiences. However, upon reviewing my credit report provided byXXXX, Experian I have discovered several instances of late payments and inaccuracies associated with the account. These discrepancies not only misrepresent my financial history but also infringe upon my right to privacy as protected by 15 U.S.C. 1681a. 

Considering the above, I kindly request that XXXX, Experian takes immediate action to address the following : Conduct a thorough investigation into the late payments and inaccuracies associated with account number XXXX. 
Remove all late payments and inaccuracies from my credit report that are not in compliance with 15 U.S.C. 1681a. 
Update my credit report to accurately reflect my payment history and remove any erroneous information related to the account in question. 
Provide written confirmation of the corrections made to my credit report within 30 days. 
I expect that XXXX, Experian will handle this matter with the utmost urgency and resolve the violations of 15 U.S.C. 1681a promptly. It is crucial that my credit report accurately represents my creditworthiness and financial history, and that my right to privacy is respected. 

Thank you for your immediate attention to this matter. I anticipate a swift response and resolution by the requirements outlined above. 

Sincerely,

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 2023-05-23 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: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
IMy credit report states that I have an American Express credit card .I never had a credit card and never applied for a card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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 XXXXXXXX XXXX  XXXX, has violated my rights. I was never late in XXXX XXXX 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 furish a 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 anu purpose. I request to have this account updated to paid on time.

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 2023-05-23 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:
Subject : Request for Removal of Late Payments and Inaccuracies - Account Number XXXX I am writing to request the removal of late payments and inaccuracies from my credit report, specifically regarding the account with account number XXXX, held with XXXX XXXX XXXX. These late payments and inaccuracies are in violation of 15 U.S.C. 1681a, which guarantees my right to privacy and accuracy of information.

According to 15 U.S.C. 1681a, as a consumer, I have the right to expect that the information in my credit report is accurate and reflects only valid transactions and experiences. However, upon reviewing my credit report provided by Experian, XXXX, and XXXX I have discovered several instances of late payments and inaccuracies associated with the account. These discrepancies not only misrepresent my financial history but also infringe upon my right to privacy as protected by 15 U.S.C. 1681a. 

Considering the above, I kindly request that XXXX, Experian, and XXXX take immediate action to address the following : XXXX a thorough investigation into the late payments and inaccuracies associated with account number XXXX. 
Remove all late payments and inaccuracies from my credit report that are not in compliance with 15 U.S.C. 1681a. 
Update my credit report to accurately reflect my payment history and remove any erroneous information related to the account in question. 
Provide written confirmation of the corrections made to my credit report within 30 days. 
I expect that XXXX, Experian, and XXXX will handle this matter with the utmost urgency and resolve the violations of 15 U.S.C. 1681a promptly. It is crucial that my credit report accurately represents my creditworthiness and financial history, and that my right to privacy is respected. 

Thank you for your immediate attention to this matter. I anticipate a swift response and resolution in accordance with the requirements outlined above. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: GA

Complaint narrative:
I have a XXXX  XXXX bankruptcy on my Experian an XXXX XXXX credit report but not on my XXXX report an I have disputed this information several times we these two burials an I have been going back an fort with each credit bureau an no results an has stop me from getting the credit i Need.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: GA

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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
Consumer complaint received 2023-05-23 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:
ACCORDING TO U.S.C. Sec. 6801 PROTECTION OF NONPUBLIC PERSONAL INFORMATION ( UNITED STATES CODE ( 2023 EDITION ) ) ( a ) Privacy OBLIGATIONS policy It is the policy of the Congress that each financial INSTITUTION has an affirmative and continuing obligation to RESPECT the privacy of its CUSTOMERS and to protect the security and confidentiality of those CUSTOMERS NONPUBLIC PERSONAL INFORMATION. 

( b ) Financial INSTITUTIONS safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this TITLE, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the Financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards- ( XXXX ) to insure the security and confidentiality of customer RECORDS AND INFORMATION ; ( XXXX ) to protect against unauthorized access to or use of such records or INFORMATION which could RESULT IN substantial harm or inconvenience to any CUSTOMER. 
These Accounts have violated my rights by Reporting to my consumer report, which make NONPUBLIC PERSONAL INFORMATION..Public! 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. 
THESE ACCOUNTS HAVE CAUSED SUBSTANTIAL HARM AND CREATED INCONVENIENCE TO ME THE CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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:
ACCORDING TO U.S.C. Sec. 6801 PROTECTION OF NONPUBLIC PERSONAL INFORMATION ( UNITED STATES CODE ( 2023 EDITION ) ) ( a ) Privacy OBLIGATIONS policy It is the policy of the Congress that each financial INSTITUTION has an affirmative and continuing obligation to RESPECT the privacy of its CUSTOMERS and to protect the security and confidentiality of those CUSTOMERS NONPUBLIC PERSONAL INFORMATION. 

( b ) Financial INSTITUTIONS safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this TITLE, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the Financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards- ( XXXX ) to insure the security and confidentiality of customer RECORDS AND INFORMATION ; ( XXXX ) to protect against unauthorized access to or use of such records or INFORMATION which could RESULT IN substantial harm or inconvenience to any CUSTOMER. 
These Accounts have violated my rights by Reporting to my consumer report, which make NONPUBLIC PERSONAL INFORMATION..Public!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
THESE ACCOUNTS HAVE CAUSED SUBSTANTIAL HARM AND CREATED INCONVENIENCE TO ME THE CONSUMER.

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 2023-05-23 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: FL

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

XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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:
According to : 15 U.S. CODE 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM " consumer report '' does not include- ( A ) subject to section 1681s- 3 of this. TITLE, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report. 
THESE ACCOUNTS ; XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX. XXXX. 
XXXX XXXX 
XXXX. XXXX XXXX XXXX. 
Have violated my rights According to the Fair Credit Reporting Act 1681 s 3 by Reporting late Payments. Payments are considered transactions, therefore late payments shall not be reported to my consumer 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 2023-05-23 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:
According to : 15 U.S. CODE 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM " consumer report '' does not include- ( A ) subject to section 1681s- 3 of this. TITLE, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report. 
THESE ACCOUNTS ; XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX. XXXX. 
XXXX XXXX 
XXXX. XXXX XXXX XXXX. 
Have violated my rights According to the Fair Credit Reporting Act 1681 s 3 by Reporting late Payments. Payments are considered transactions, therefore late payments shall not be reported to my consumer report.

Company response to consumer: Closed with explanation