vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 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: NC

Complaint narrative:
In accordance win the Fair credit reporting act. The List or accounts below mashes violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : 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 All are a violation of 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.

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 2023-02-23 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: NC

Complaint narrative:
In accordance win the Fair credit reporting act. The List or accounts below mashes 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All are a violation of 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.

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 explanation
Consumer complaint received 2023-02-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Received credit report. The amount owned and what I paid on the credit report is inaccurate. 

The amount is lower and what I should have paid what XXXX has submitted to the credit bureau. What XXXX asked during foreclosure and pay off was over XXXX more than what I should have paid. 

XXXX XXXX states one thing on the Credit Report but request a larger amount during payoff. 

XXXX XXXX manipulating facts as usual. 

XXXX XXXX never contacted me regarding settlement of the XXXX XXXX dollars for customers past and present. 

The worst is the confusion of the whole mess starting in XXXX or XXXX when XXXX XXXX bought XXXX out and when my account split. No major explanation was given until it was to late. Customer Service was ill informed from CEO 's and Board which they informed the customers. 

Experian : XXXX the account # XXXX is a medical bill from XXXX. {$1200.00} goes back to XXXX. Why is it still on my credit report. Changing dates and manipulating the dates. This needs to be removed immediately

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 2023-02-23 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 


In accordance with the Fair Credit Reporting Act 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 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 explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Emails received by companies telling me about credit card application attempted that I never made : XXXX XXXX XXXX Card Called Capital One questioning about the credit card application that I never made. 

XXXX baking account being linked to XXXX and XXXX XXXX account, that I never requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : Experian, XXXX, XXXX, Clarity Services ( Experian ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX XXXX, XXXX, and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.

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 2023-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc.
State: MA

Complaint narrative:
The following are the details regarding the collection of {$18000.00} for my XXXX XXXX XXXX XXXX ( XXXX ) account for the check fraud. 

On XX/XX/22 I received a job offer from XXXX XXXX XXXX XXXX XXXXXXXX. My manager asked me to send checks for employees resource purchases. I sent some money to him as cards. As soon as I got suspicious went to the bank and talked to the manager ( XXXX branch manager in XXXX, MA ) around XX/XX/22. He called their collection dept and informed me that it is my responsibility, and they are going to close the account since there is a deficit of more than {$14000.00} and if not paid in 60 days ( about 2 months ) of time. Filed a complaint with the XXXX, MA police on XX/XX/22. I talked to XXXX collection dept in XXXX and XXXX several times, but they still stick to their decision to collect the money from me. Received a letter from CBHV Collection Bureau Hudson Valley Reference No : XXXX for a collection amount of {$18000.00} including the fees. They called me today XX/XX/22 and said I must pay the amount. I told them the story behind the collection. 

Please cancel this debt and fees since it is the banks responsibility also to check for fraud and I had no idea that it was fraud at the point that I was sending money. I am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The ATM for wellsfargo on the XX/XX/XXXX I went to deposit XXXX I had all XXXX dollars and XXXX XXXX dollars when I looked on my account it only had XXXX we went inside to c if we can get the rest of the money they said I would have to file a claim my husband had problems with the atm machine and didnt get a receipt so I filed a claim on XX/XX/XXXX Wellsfargo put the XXXX into my account now the did an investigation and took the XXXX back and left me with a balance on - XXXX it took all my food money and for my bills I live on fixed income we know the XXXX was deposited I no for sure we put in the money we even went inside as soon as XXXX we turned around please help XXXX poor and I have been taking advantage of if we dont have the money and they dont have the money where did it go Thank u XXXX 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 2023-02-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I believe to be inaccurate and in violation of several laws. Specifically, I am disputing the following accounts : XXXX XXXX XXXXXXXX charge off account XXXX XXXX XXXXXXXX charge off account XXXX XXXX XXXX charge off account Firstly, the XXXX  XXXX charge off account is inaccurate. I have no record of this account, and I have never received any communication regarding this alleged debt. Furthermore, I have never been contacted by any debt collector regarding this account, nor have I been served with any legal documentation related to it. This account is in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Secondly, the XXXX XXXX charge off account is also inaccurate. While I do recall having a credit card with XXXX, I have no record of any outstanding balance or delinquency. I have not received any communication regarding this account, nor have I been contacted by any debt collector or served with any legal documentation related to it. This account is in violation of the FCRA, FDCPA, and TILA. 

Finally, the XXXX XXXX charge off account is also inaccurate. I have never had a loan or any other financial account with XXXX, and I have no record of any outstanding debt with them. This account is clearly a case of mistaken identity, and is in violation of the FCRA. 

I request that you investigate these accounts and remove them from my credit report immediately. I also request that you provide me with written confirmation of the removal of these accounts and any other information related to them. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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 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 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 2023-02-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the inaccurate information that has been reported to the credit bureaus regarding my credit history. After reviewing my credit report, I have found that several creditors have reported negative information that is inaccurate and has damaged my credit score. 

Firstly, XXXX reported a charge off account with the account number XXXX. I have never had an account with XXXX, and this information is completely inaccurate. 

Secondly, XXXX XXXX XXXX reported a charge off account with the account number XXXX. I have no knowledge of this account and it is likely that this is a case of mistaken identity. 

Thirdly, XXXX has reported a collection account with the account number XXXX. I have no recollection of any outstanding debts with XXXX and have never received any communication regarding this debt. 

Fourthly, XXXX XXXX has reported a charge off account with the account number XXXX. I have no knowledge of this account and have never conducted any business with XXXX XXXX 

Fifthly, XXXX XXXX XXXX reported another charge off account with the account number XXXX. As mentioned previously, I have no knowledge of this account and it is likely that this is a case of mistaken identity. 

Sixthly, XXXX XXXX reported a charge off account with the account number XXXX. I have had a credit card with XXXX XXXX, but I have never missed a payment or had an account go into charge off status. This information is inaccurate and damaging to my credit score. 

Lastly, XXXX XXXX has reported two charge off accounts with the account numbers XXXX and XXXX. I have never had any accounts with XXXX XXXX and this information is completely inaccurate. 

I believe that these inaccurate and damaging reports violate my rights under the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA. I am requesting that these accounts be removed from my credit report immediately and that any damage caused to my credit score be rectified. I am also requesting a written confirmation from the creditors stating that they have removed these accounts from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 2023-02-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the inaccurate information that has been reported to the credit bureaus regarding my credit history. After reviewing my credit report, I have found that several creditors have reported negative information that is inaccurate and has damaged my credit score. 

Firstly, XXXX reported a charge off account with the account number XXXX. I have never had an account with XXXX, and this information is completely inaccurate. 

Secondly, XXXX XXXX XXXX reported a charge off account with the account number XXXX. I have no knowledge of this account and it is likely that this is a case of mistaken identity. 

Thirdly, XXXX has reported a collection account with the account number XXXX. I have no recollection of any outstanding debts with XXXX and have never received any communication regarding this debt. 

Fourthly, XXXX XXXX has reported a charge off account with the account number XXXX. I have no knowledge of this account and have never conducted any business with XXXX XXXX 

Fifthly, XXXX XXXX XXXX reported another charge off account with the account number XXXX. As mentioned previously, I have no knowledge of this account and it is likely that this is a case of mistaken identity. 

Sixthly, XXXX XXXX reported a charge off account with the account number XXXX. I have had a credit card with XXXX XXXX, but I have never missed a payment or had an account go into charge off status. This information is inaccurate and damaging to my credit score. 

Lastly, XXXX XXXX has reported XXXX charge off accounts with the account numbers XXXX and XXXX. I have never had any accounts with XXXX XXXX and this information is completely inaccurate. 

I believe that these inaccurate and damaging reports violate my rights under the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA. I am requesting that these accounts be removed from my credit report immediately and that any damage caused to my credit score be rectified. I am also requesting a written confirmation from the creditors stating that they have removed these accounts from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 2023-02-23 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I recently viewed my credit profile and noticed and/or incomplete information and accounts that are unverified. according to the fair credit reporting act 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C1681i, every single or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged account is to be deleted the FOLLOWING derogatory account allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately. The infractions are as follows XXXX XXXX and Account as is reported as having a late payment on my credit report. 
{ XXXX XXXXXX/XX/XXXX LATE PAYMENT } { XXXX XXXXXX/XX/XXXX LATE PAYMENT } { XXXX XXXXXX/XX/XXXX LATE PAYMENT } I am demanding that this account be updated to Paid as Agreed and Never Late by the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: TX

Complaint narrative:
Contacted XXXX  to get reason for inquiry. XXXX Their number was listed as contact number for questions concerning the inquiry. They gave me the number to XXXX XXXX XXXX whom they said they perfomed the inquiry for. XXXX and stated XXXX XXXX would be able to explain. I contacted XXXX XXXX immediately and answered a multitude of identity questions and they could not confirm a reason for the many inquiries on my report. There were several dates of inquiries made. These inquiries were done in the supplemental consumer credit information area as well as the public records and residental information area of my report. The inquiries regard home loans, mortgage loans home equity loans and interests i do not participate in. 
The rep at XXXX XXXX continued to maintain he did not have anything that showed to belong to me or my information in his system. I demanded he contact both transunion and XXXX  and let them know there has been a problem. He let me know I would need to since it is my problem. Or maybe it is my family member that used my information to open an account? I hung up. I had previously reported fraudulent activity on my credit reports in XXXX of XXXX  when i noticed suspicious activity. I have continued to find more as I have further investigated.

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