vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 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:
As per my federally protected rights under the FCRA, UDAAP, and CFRs, TransUnion and XXXX is reporting and alleged " collection account '' with XXXX XXXX to be reported on my credit report. Under the law a " collection account '' is considered income under the law and should thus not be reporting as a debt. Additionally, the account is incorrectly listed as both " open '' and a " collection account '' which under the law is a violation since I am entitled to " maximum accuracy '' on all three credit reports reported by all three CRAs. This account is also currently NOT reporting on my XXXX credit report thus I do not currently have " maximum accuracy '' across all three CRAs.. Reporting of this account is also in violation of 16 CFR 313.10 which states that I have right to not have my nonpublic personal information disclosed to a non-affiliate. By fact that the original creditor sold my nonpublic personal information, without my written consent, to XXXX XXXX they violated the XXXX. Additionally, because the debt was in fact sold to XXXX XXXX, it is no longer debt and has thus converted to income. I have no financial relationship nor contractual obligation with XXXX XXXX. The reporting of this account on my XXXX and TransUnion credit report is also in violation of The Privacy Act of 1974. This account is also in violation of my federally protected right under 15 USC 1681a ( 2 ) ( i ) which states that the consumer report 's rules of construction have EXCEPTIONS which include the transaction history between " the consumer and the person making the report ''. It also violates 15 USC 1681b, 15 USC 1681c, 15 USC 1681d, and 15 USC 1681f, and 15 USC 1681g. This account also violates UDAAP, specifically " deceptive and abusive practices '' because XXXX XXXX is listed on my credit report as " COLLECTION AGENCY/ATTORNEY ''. Yet, XXXX XXXX is NOT an attorney and thus are misrepresenting themselves to deliberately mislead me as a 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 non-monetary relief
Consumer complaint received 2023-01-26 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:
As per my federally protected rights under the FCRA, XXXX, and XXXX, XXXX and Equifax is reporting and alleged " collection account '' with DIVERSIFIED RECEIVABLES to be reported on my credit report. Under the law a " collection account '' is considered income under the law and should thus not be reporting as a debt. Additionally, the account is incorrectly listed as both " open '' and a " collection account '' which under the law is a violation since I am entitled to " maximum accuracy '' on all three credit reports reported by all three CRAs. This account is also currently NOT reporting on my XXXX credit report thus I do not currently have " maximum accuracy '' across all three CRAs.. Reporting of this account is also in violation of 16 CFR 313.10 which states that I have right to not have my nonpublic personal information disclosed to a non-affiliate. By fact that the original creditor sold my nonpublic personal information, without my written consent, to DIVERSIFIED RECEIVABLES, they violated the CFR. Additionally, because the debt was in fact sold to DIVERSIFIED RECEIVABLES, it is no longer debt and has thus converted to income. I have no financial relationship nor contractual obligation with DIVERSIFIED RECEIVABLES. The reporting of this account on my Equifax and XXXX credit report is also in violation of The Privacy Act of 1974. This account is also in violation of my federally protected right under 15 USC 1681a ( 2 ) ( i ) which states that the consumer report 's rules of construction have EXCEPTIONS which include the transaction history between " the consumer and the person making the report ''. It also violates 15 USC 1681b, 15 USC 1681c, 15 USC 1681d, and 15 USC 1681f, and 15 USC 1681g. This account also violates XXXX, specifically " deceptive and abusive practices '' because DIVERSIFIED RECEIVABLES is listed on my credit report as " COLLECTION AGENCY/ATTORNEY ''. Yet, DIVERSIFIED RECEIVABLES is NOT an attorney and thus are misrepresenting themselves to deliberately mislead me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has charged me for overdraft fees and overdraft charges for bill pay.

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 2023-01-26 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: 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. Account name : XXXX. Account Number : # 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 2023-01-26 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:
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. Account Number : # 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 explanation
Consumer complaint received 2023-01-26 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  The Account With 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 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 non-monetary relief
Consumer complaint received 2023-01-26 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  The Account With ( XXXX XXXX XXXX XXXXXXXX, ( 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 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 non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian for requesting proof of identity when I submitted a previous complaint. I had previously submitted a complaint to the CFPB regarding an issue with my credit report. 

In my previous complaint, I provided my account number, name and email address as proof of my identity. However, Experian is now requesting additional proof of identity, such as a copy of my government-issued ID or utility bill, in order to process my complaint. 

I find this request to be unreasonable and a violation of my consumer rights. I have already provided sufficient information to verify my identity in my previous complaint, and should not be required to provide additional proof. 

I request that the CFPB investigates this matter and takes appropriate action against Experian. I would also like to receive an explanation as to why additional proof of identity is being requested, and why it was not requested during my initial complaint. 

Thank you for your time and attention to this matter.

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 2023-01-26 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-26 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:
As of XX/XX/2022, before and after I have submitted numerous request to verify and update data as stated on current credit reports. Despite this the complained of agencies continues to update and verify false and incorrect data as you will see on my most recent disputes / complaint ( attached is a copy ) of the hard copy sent to Transunion, XXXX, XXXX and to guys concerning my issues.

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 2023-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XX/XX/XXXX {$100.00} PayPal denied my request for refund when I was scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I disputed with Experian on XX/XX/XXXX for inaccuracy on the acct # XXXX XXXX XXXX .This is a factual dispute. I have attached Experian generated results report. XXXX Experian has failed again to do their duty to report accurate information. They are consistently reporting inaccurate information on my credit report that violations my consumer rights as per FCRA. 

Report XXXX XXXX Date Generated XX/XX/XXXX ( attached is exhibit A ) This account is closed and paid in full never late. Experian is reporting XXXX. 
Inaccurate history being reported by Experian. How can this account be open being XXXX days late or past due? But XX/XX/XXXX its no longer late???? 
-No payment amount listed. ( violation ) -No status update for XX/XX/XXXX. When i clearly disputed this account. Experian has not updated this since XX/XX/XXXX. ( violation ) -Incomplete payment history Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 
XXXX v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. 
The results of there improper investigation continues to report this unverified information. 


Delete this account for all the discrepancies listed on my credit profile.

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 2023-01-26 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-26 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-26 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$35000.00} XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

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 2023-01-26 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: FL

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2023-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Sunlight Financial LLC
State: CA

Complaint narrative:
They are the financier of our XXXX XXXX  XXXX, XXXX. XXXX never finished the installation that was contracted. They paid XXXX in full without any verification of completion of the project. XXXX filed XXXX  XXXX a month after they were paid. I have been stuck with a solar system was never completely finished! The work from XXXX was not professionally or competently done. I have been left in a position to finish the project myself. Lost also was the bumper to bumper 25 year warranty XXXX provided. I wonder if those involved with XXXX also have financial interests with sunlight financial which allowed them to take the money and run

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-26 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: TX

Complaint narrative:
On XX/XX/2021 I disputed the account of XXXX XXXXXXXX XXXX XXXX acct # Account XXXX I have never been late on this account. Experian failed to update my report accurately. This is a factual dispute. and I have attached the results of that investigation which were still not correct. The inaccuracies are still there. 
All my payments for been on time. They are reporting a 30 day late in XXXX. Yet the payment history shows I made the payment of XXXX XXXX. 
So how can i be 30 days late? 

These are violations of my consumer rights according to FCRA. Please update this account correctly to paid on time and never late. 

Exhibit A. ( results of dispute Experian ) Report Number XXXX XXXX XX/XX/2021 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