vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-11 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:
In accordance with the FCRA, the credit bureau 's have violated my rights under 15 USC 1681 Section 604 A section 2 states, a consumer reporting agency can not furnish an account without my written instructions. Also I have the rights to privacy according to 15 USC 1681 Section 602a. These accounts were furnished without my written instructions or knowledge. I've reached out to the bureau 's on numerous occasions and still no response. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-11 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:
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 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 15 U.S.C 1681c. ( a5 ) 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 2023-03-11 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:
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 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 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. ( a5 ) 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 2023-03-11 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX, Transunion, XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. 



In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 ( XXXX XXXX XXXX )... ( XXXX XXXX ) has violated my rights NUMEROUS of times. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

I Demand These Accounts Be Removed From My Credit Report Listed Below. 

XXXX XXXX XXXX XXXX. 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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to file a complaint regarding my credit report. Recently, XXXX removed a charge-off from my report that was reported by XXXX XXXX XXXX XXXX However, TransUnion and XXXX have failed to remove the same charge-off from my report. 

Under the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq, credit reporting agencies are required to maintain accurate credit reports and investigate any disputed information. The FCRA also states that credit reporting agencies must correct or delete any information found to be inaccurate or incomplete, as mandated by 15 U.S.C. 1681e and 15 U.S.C. 1681i. 

Despite acknowledging that the charge-off was in error, TransUnion and XXXX have failed to take the necessary action to correct my credit report. This is a violation of the FCRA and has caused me significant financial harm. 

I have attached documents from XXXX supporting my claim that the charge-off was in error and has been removed from my credit report. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that TransUnion and XXXX remove the incorrect charge-off from my credit report. I also urge you to hold these credit reporting agencies accountable for their failure to comply with the FCRA and the consequences outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o. 

Thank you for your attention to this matter. I look forward to a prompt resolution of this issue.

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 2023-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
XXXX : XXXX Amsher Collection Serv. 
I asked this company to provide me with documents with my signed signature and to validate this account belongs to me. Instead of validating my account they reported to my report. Also never received anything in writing nor contact before reporting this to my report. They did not follow the FDCP nor the FCRA Practices Act Causing distress and hardship to myself being a single father on XXXX income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KS

Complaint narrative:
In XX/XX/2022 I financed a mortgage to buy a house. The amount was approximately {$320000.00}. My loan servicer was XXXX XXXX. On XX/XX/XXXX I made a payment of {$160000.00} to pay down the principal. Shorty afterwards, I received a letter that they were selling my mortgage to Fifth Third Bank. On XX/XX/XXXX they removed the payment of {$160000.00} citing it as a " misapplication reversal ''. After they sold the mortgage to Fifth Third Bank, they didn't get that {$160000.00} payment to Fifth Third Bank until XX/XX/XXXX. Because of this, when I made my house payment on XX/XX/XXXX, the amount of interest I was charged was based off of a principal of approximately {$320000.00} rather than the approximately {$150000.00} it should have been. Because of this, I am estimating that I lost {$1000.00} in excess interest charges that I should not have had to pay. I've got screenshots from both loan servicers to illustrate my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
i have payments coming out every paycheck bc i have direct deposit but for some odd reason my bills never go thru so i always end up owing the bank not once have i not whats the purpose of having a bank account when your money isnt save in there i have XXXX bills now in collections bc not once have they been paid but they are direct deposit and whose going to take them out of collections for me definitely not bofa i have to pay all the late fees and the missed payments now i what do i do???

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 2023-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
A car that I purchased was a XXXX XXXX and country from XXXX XXXX XXXX in New Jersey the car on the site was {$3000.00} when I got to the dealership I paid over {$4.00}, XXXX and total the car cost {$5000.00}. A car engine light was on I told him I'll take it when they turn it off and fix it he told me I had to drive it and I have two year warranty. Long story short I got 4 months out of it it broke down on me I took it to XXXX XXXX in XXXX New York and they had it for over 4 months because credit acceptance third party insurance agent would not come out so they told the car back to my residence I took the plates off and it got towed all the while this was all happening I contact credit acceptance and the dealer and I've got no help but they still want my money which is the remaining balance which is {$1100.00} and I will still be without a car.

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 2023-03-11 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: NY

Complaint narrative:
Under title 15 USC 1681a Federal law " exclusion ''. THIS IS A VIOLATION The mortgage company XXXX XXXX XXXX XXXX was asked to stop reporting negatively on my consumer credit report because this is illegal. this is also improper use and they continue to do so even though they were verbally asked. I will start fining these corporation for failure to comply with federal laws. 
inaccurate account amounts on all three credit reporting bureau non compliant mortgage company

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 2023-03-11 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: NY

Complaint narrative:
Under title 15 USC 1681a Federal law " exclusion ''. THIS IS A VIOLATION The mortgage company XXXX XXXX XXXX XXXX was asked to stop reporting negatively on my consumer credit report because this is illegal. this is also improper use and they continue to do so even though they were verbally asked. I will start fining these corporation for failure to comply with federal laws. 
inaccurate account amounts on all three credit reporting bureau non compliant mortgage company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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:
Under title 15 USC 1681a Federal law " exclusion ''. THIS IS A VIOLATION The mortgage company XXXX XXXX XXXX XXXX was asked to stop reporting negatively on my consumer credit report because this is illegal. this is also improper use and they continue to do so even though they were verbally asked. I will start fining these corporation for failure to comply with federal laws. 
inaccurate account amounts on all three credit reporting bureau non compliant mortgage company

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 2023-03-11 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: IN

Complaint narrative:
XX/XX/2023 I contacted Experian to dispute a address of ( XXXX XXXX XXXX XXXX, IL XXXX ) not belonging to me. 

XX/XX/2023 I contacted Experian to dispute my name XXXX XXXX being displayed as ( AKA ) XX/XX/2023 I was sent a email alert about my dispute XX/XX/2023 I log into my Experian account to notice that the address of ( XXXX XXXX XXXX, IL XXXX was removed. But ( XXXX XXXX XXXX XXXX, IL XXXX was added. 
XX/XX/2023 the ( XXXX XXXX XXXX XXXX, IL XXXX ) wasn't on my report. This was added by Experian. 
XX/XX/2023 Experian added ( XXXX  XXXX ) to my report stating this is my ( AKA ) XX/XX/2023 This wasn't on my report. This was added by Experian.

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 2023-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
15 USC 1681 there were many inaccurate accounts on my consumer report, which these inaccurate accounts are affecting my credit report I never got any validation for any of these close accounts nor for the inquiries that stated on my consumer report I was never contact by the credit agency Trans Union for a reinvestigation nor the companies havent seen a written consent proof that states that these accounts belong to me a file, the FTC report as well. I stated that these accounts had to be removed. I sent letters stating the accounts that were inaccurate which they were not resolved. I also stated when I spoke to Trans Union about the data breach that happened within the company that was not addressed as well. I am trying my best to be able to work with this company, knowing that I can not in trust any personal information with the company do to them, allowing my information to be leak not only I gave them a chance to be able to do the right thing and to be able to resolve the issue but they did not clear the accounts that were affected my credit report I would like proof of consent and original contract with these companies. And also I would like to know why is my credit score a different score with XXXX XXXX  and also a different score with XXXX and also on the website of Trans Union I would like for my credit score to be accurate and updated as well I received phone calls different companies that I never gave my information to stating that I open the business account. And also I want to add that is XXXX resolve the issue with the inquiries that was found inaccurate on my consumer report data also be removed off of all other credit agencies

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 2023-03-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NC

Complaint narrative:
The Mountain America Credit Union staff promoted a false rate of interest for a XXXX CD at the same time the rate was to expire. 
XXXX staff members XXXX XXXX and XXXX XXXX? ) knew their promo rate would expire when I communicated with them via telephone and email. Now, they will not reply to my emails. Their online service, via my account, is usually inaccessible after attempting to contact them many times with XXXX different web browsers ( I have had no other accessibility issues on other websites ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have inquires listed on my credit report that are inaccurate and unfamiliar to me. Any inquiry NOT attached to a current account on my credit report should be removed.

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 2023-03-11 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: OH

Complaint narrative:
Credit bureau reporting XXXX past due for the month of XXXX 2019. This accounting was not past due XXXX 2019. Attaching a copy of my statement

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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Thank you. 

1. In addition to alterations to transaction type made by someone with access to bank data, there were alterations to merchant type when having limited space. The alterations to transaction type were observed my XXXX, Wells Fargo, XXXX  XXXX XXXX, police, myself, and their fraud prevention/claims departments. They went against the code determined between the merchants and credit card companies. I reported this about a year ago, and it happened again. If you recall, altering transaction type affected credit score, even though it is not supposed to do so. 

2. XXXX for fax service started mixing billing codes and It codes, essentially doing the online equivalent of giving batteries when emails, personnel, and written statements confirmed that the customer order for fruit would include fruit while still only giving batteries. As a result of frequency and pervasiveness, a new credit card number was issued as they were using the card without authorization while not providing the fax service requested but using email to say they were 3. Wells Fargo changed my credit card number in late XXXX of 2023. XXXX showed that in the change, XXXX ran my score low to almost zero while I was seeking employment. There was adverse effects. Please help stop financial duress as my students with needs were in physical and emotional duress. I am in good standing. No misconduct. 

4. XXXX needs to edit a statement and correct it to show that fraudulent accounts may NOT be opened in my name. 

5. Some avoided putting correct addresses on credit bureau files making verification difficult even though census were taken at those places.

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 2023-03-11 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: SC

Complaint narrative:
I have asked each credit bureau to verify all info on my credit report is accurate on XX/XX/XXXX. Once the report came back from each, the reports all show inaccuracies from each furnishing companies after doing a personal thorough research. ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

Hard inquires Transunion XXXXXXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX 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. 

The furnishing company has inaccuracies in their reporting after stating all information is true to each bureau.

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