vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 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: MS

Complaint narrative:
In Accordance with the fair credit reporting act XXXX Account number XXXX ( XXXX XXXX  ) has violated my rights. 

15 U S C 1681 Section 602 A states I have the right to privacy.

15 U S C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: NY

Complaint narrative:
I have sent several notices to the company about fraudulent and inaccurate information on my consumer report. They have yet be fixed and/or be removed even after they have done an investigation. This following account have interfered with my rights and must be removed in accordance with the fair credit reporting act. XXXX XXXX. I have also filed an identity theft report with the ftc. 15 USC 1681 section 6028 states that I have the right to privacy. 15 USC 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions I require said accounts to 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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I asked the reporting companies to remove all addresses that do not belong to me. I provided my right address.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
All three Credit Bureaus ( Experian, XXXX, and XXXX ) had put a restriction on my abilities to submit a Dispute Online and enjoy their free services on my free accounts. I will need for all three of them to remove the restriction on my accounts so I can submit my online Disputes.

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX XXXX Sunday, XX/XX/XXXXXXXX  Federal Trade Commission Consumer Response Center XXXX XXXX XXXX , XXXX XXXX , DC XXXX Re : Incorrect Listing of XXXX  XXXX Bankruptcy on Credit Report Dear Sir/Madam , I am writing to formally request the removal of an inaccurate XXXX  XXXX Bankruptcy listing from my credit report. 

According to my personal records and as confirmed by the USBK Court XXXX California, my bankruptcy was dismissed in XXXX of XXXX. Here are the relevant details of the court : USBK Court XXXX California XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Upon realizing the complications of my financial situation, I consulted my legal representative and decided not to proceed with the bankruptcy. He subsequently dismissed the filing, for which I was billed. However, to my surprise, this bankruptcy still reflects on my credit report, even after its dismissal over five years ago. 

The implications of this error are significant. Im XXXX XXXX XXXX fXXXX and just recently, while trying to secure rental accommodations alongside my son, I became keenly aware of how this incorrect listing is hampering my ability to secure credit at reasonable terms. It is adversely affecting my credit score, undermining my financial reputation, and creating undue challenges in my personal and professional endeavors. 

I kindly request your assistance in investigating and rectifying this matter as a matter of urgency. I am more than willing to provide any documentation or additional information you may need to expedite the process. The correction of this error is paramount to ensuring the accuracy and fairness of my credit report, which is integral to many aspects of my life. 

I look forward to a prompt resolution of this matter and thank you in advance for your attention to this serious issue. 

Please feel free to contact me at XXXX should you need further information. 

Sincerely, 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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX XXXX Sunday, XX/XX/XXXXXXXX  Federal Trade Commission Consumer Response Center XXXX XXXX XXXX , XXXX XXXX  , DC XXXX Re : Incorrect Listing of XXXX  XXXX Bankruptcy on Credit Report Dear Sir/Madam , I am writing to formally request the removal of an inaccurate XXXX XXXX Bankruptcy listing from my credit report. 

According to my personal records and as confirmed by the USBK Court XXXX California, my bankruptcy was dismissed in XXXX of XXXX. Here are the relevant details of the court : USBK Court XXXX California XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Upon realizing the complications of my financial situation, I consulted my legal representative and decided not to proceed with the bankruptcy. He subsequently dismissed the filing, for which I was billed. However, to my surprise, this bankruptcy still reflects on my credit report, even after its dismissal over five years ago. 

The implications of this error are significant. Im XXXX XXXX XXXX fXXXXXXXX  and just recently, while trying to secure rental accommodations alongside my son, I became keenly aware of how this incorrect listing is hampering my ability to secure credit at reasonable terms. It is adversely affecting my credit score, undermining my financial reputation, and creating undue challenges in my personal and professional endeavors. 

I kindly request your assistance in investigating and rectifying this matter as a matter of urgency. I am more than willing to provide any documentation or additional information you may need to expedite the process. The correction of this error is paramount to ensuring the accuracy and fairness of my credit report, which is integral to many aspects of my life. 

I look forward to a prompt resolution of this matter and thank you in advance for your attention to this serious issue. 

Please feel free to contact me at XXXX should you need further information. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: SC

Complaint narrative:
I have 18 inquiries, from various companies. I havent applied for any credit from these companies. I have expressed that to the companies as well as the credit bureaus. 
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 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XX/XX/2023 I was at XXXX XXXX and withdrew from their ATM inside. I withdrew a total of 3 different times in the amount of {$300.00}. But 1 of those times it did not give me the {$300.00}. I have lost 2 appeals with Wells Fargo who I believe are not doing what needs to be done. I have even filed a Police Report. They will be withdrawing the money again since they gave me a temporary provisional credit. I am literally not going to have a lot of my bills paid this month. I am scared. I even had the help at the XXXX looking at the cameras and they even report when I didnt get my money back. Wells Fargo is not helping and refusing to do anything. I gave them all 3 transactions and told them they pulled the cameras as well.

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 2023-09-18 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: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name 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.

Despite Serval Attempts, Credit Reporting Agency Failed To Show Validation of debt And Failed To Send Dispute result Via USPS MAIL HAS REQUESTED, and keeps saying the account is verified with no documentation to back that claim up I demand this inaccurate account be deleted 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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I asked the reporting companies to remove all addresses that do not belong to me. I provided my right address.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I asked the reporting companies to remove all addresses that do not belong to me. I provided my right address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: OR

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. 
Account Name : 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. ( 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
COMPANY XXXX XXXX AND EXPERIAN, THAT WAS BUILT OFF OF SLAVERY, CONTINUES TO BREAK THE LAW BY VIOLATING MY CONSUMER RIGHTS. XXXX IS FULLY AWARE THAT THEY ARE BREAKING THE LAW AND CAN BE SUBJECT TO A CIVIL SUIT DUE TO THEIR NEGLIGENCE. XXXX AND EXPERIAN HAS VIOLATED 15 US CODE 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. THIS MEANS XXXX XXXX IS VERY AWARE OF WHAT THEY ARE DOING AND DOES NOT CARE ABOUT THE CONSEQUENCES. I HAVE ASKED THE COMPANY TO REMOVE FRAUDULENT ACCOUNTS AND INQUIRIES OFF OF MY CREDIT REPORT FOR YEARS ( XXXX XXXX  ) SUCH AS ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX ( THAT WAS REMOVED AND NOW HAS RE-APPEARED AGAIN ). COMPANY XXXX AND EXPERIAN AGAIN HAS VIOLATED 15 US CODE 1611- CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. WHICH MEAN YOU HAVE VIOLATED AND YOU REFUSE TO REMOVE, WHICH YOU ARE NOW AWARE THAT YOU ARE BREAKING THE LAW. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX AND ALL FRAUDULENT INQUIRIES OFF OF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX & XXXX, was suppose to be deleted off my credit report after being investigated. For three straight months it said deleted, but was never deleted on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2023 I paid my loan completely off and even prior to paying them I received notification from Experian that I was delinquent on my account which they said they did not submit any late payments on my account. On today which is XX/XX/XXXX, I received another notification from Experian XXXX finance has reported my balance increases and is late which caused my credit to fall from Good to Fair with a point deduction of XXXX points. this is the second time in 6 months that my credit dropped due to their practices. Additionally, I attempted to dispute this situation to Experian on multiple occasions However, Experian wouldn't allow me to dispute it saying that I have previously disputed this account and I am not allowed to dispute it again.

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 2023-09-18 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: RFNA, LP
State: GA

Complaint narrative:
On XX/XX/2023 I paid my loan completely off and even prior to paying them I received notification from XXXX that I was delinquent on my account which they said they did not submit any late payments on my account. On today which is XX/XX/XXXX, I received another notification from XXXX Republic finance has reported my balance increases and is late which caused my credit to fall from Good to Fair with a point deduction of XXXX points. this is the second time in 6 months that my credit dropped due to their practices. Additionally, I attempted to dispute this situation to XXXX on multiple occasions However, XXXX wouldn't allow me to dispute it saying that I have previously disputed this account and I am not allowed to dispute it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose update late payments for following dates to current XX/XX/XXXX or delete account from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose update late payments for following dates to current XX/XX/XXXX or delete account from credit report.

Company response to consumer: Closed with non-monetary relief