vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 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:
Accounts Involved : *Department of ED and any of the following 3rd parties : XXXX XXXX XXXX XXXX XXXX Assistance These accounts are reporting information protected by the Privacy Act of 1974, which prohibits : A ) sharing of information to 3rd parties without consent from me, the consumer, to the 3rd party directly. 
B ) sharing of transaction history without consent. 

These accounts are reporting information protected by the Family Educational Rights & Privacy, which prohibits : A ) student information shared with 3rd party companies ( loan, payment history, transaction history, attendance dates ) ; NOT falling into any of the categories listed by FERPA allowing such information to be shared ; NOT falling into any of the categories listed by FERPA outlining what entities ARE allowed to receive such information. 

In addition to the aforementioned Privacy Act of 1974 violation, this act also prohibits government agencies from taking actions with consumer information, which are not outlined in agency forms presented to me the consumer.

These accounts are reporting information protected by 15 U.S. Code 6802, which prohibits nonpublic personal information to be shared to nonaffiliated 3rd parties ( including, but not limited to credit reporting agencies ) without consent of me, the consumer. 

There are also items reporting closed that are still negatively reporting on my credit.

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 2023-12-12 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: GA

Complaint narrative:
Accounts Involved : *Department of ED and any of the following 3rd parties : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  These accounts are reporting information protected by the Privacy Act of 1974, which prohibits : A ) sharing of information to 3rd parties without consent from me, the consumer, to the 3rd party directly. 
B ) sharing of transaction history without consent. 

These accounts are reporting information protected by the Family Educational Rights & Privacy, which prohibits : A ) student information shared with 3rd party companies ( loan, payment history, transaction history, attendance dates ) ; NOT falling into any of the categories listed by FERPA allowing such information to be shared ; NOT falling into any of the categories listed by FERPA outlining what entities ARE allowed to receive such information. 

In addition to the aforementioned Privacy Act of 1974 violation, this act also prohibits government agencies from taking actions with consumer information, which are not outlined in agency forms presented to me the consumer. 

These accounts are reporting information protected by 15 U.S. Code 6802, which prohibits nonpublic personal information to be shared to nonaffiliated 3rd parties ( including, but not limited to credit reporting agencies ) without consent of me, the consumer. 

There are also items reporting closed that are still negatively reporting on my credit.

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 2023-12-12 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: IL

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 : XXXXXXXX XXXX Account Number:XXXX  Account Name : XXXX  Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-12-12 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: IL

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 : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-12-12 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: TN

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 name : # XXXX, Account name : # XXXX, Account name : # 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 2023-12-12 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: MI

Complaint narrative:
Equifax has alleged they " verified '' the " accuracy '' of a XXXX account/tradeline appearing in my credit file with a last update on or around XXXX XX/XX/XXXX. The account on its face is not reporting with maxmimum possible accuracy and contains false/misleading/inaccurate information for the payment status, payment history, date of first delinquency, balance, and date of first delinquency reported. Per FCRA 605 ( c ) the Date of First Delinquency ( DoFD ) is the date of the first delinquency in the most recent chain of account delinquencies that preceded a charge-off or collection. If the Date of First Delinquency ( DoFD ) is XX/XX/XXXX, then the alleged charge-off account history reported is inaccurate because, " A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that IMMEDIATELY preceded the action. " ( FCRA 623 ( a ) ( 5 ) ). If the DoFD occurred in XX/XX/XXXX, then the date of charge-off would be on or around XX/XX/XXXX and would report beginning on or around XX/XX/XXXX. However, the payment history indicates an alleged charge-off first reported in XX/XX/XXXX. The charge-off history relies upon the accuracy of the Date of First Delinquency. The Date of First Delinquency leading to the charge-off is incorrect OR the payment history is incorrect as reported. An initial investigation and subsequent reinvestigations by Equifax have failed to rectify the false/misleading/inaccurate information ( the account/tradeline is irreconcileable ). Therefore, the payment history for any and all months beginning XX/XX/XXXX through present should report " paid on time '' and any and all remarks/comments/additional/information pertaining to a charge-off must be removed. The balance must be changed to reflect {$0.00} and the past-due amount must be changed to {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-12 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: CA

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1960 I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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

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 2023-12-13 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: TX

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.

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 2023-12-12 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: 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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-12-12 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: FL

Complaint narrative:
XX/XX/XXXX is the most recent of multiple times speaking with PayPal this week. 

PayPal told me earlier this week to continue having funds sent to my account to unlock my account automatically. Today when I called two reps answered and said this is an attempt to collect a debt. The previous employees intentionally gave misinformation.
The employee was XXXX, employee number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I'm writing in response to a notice I received regarding an alleged debt related to XXXX. Under the FDCPA, I'm requesting a validation of this debt. 

I dispute the validity of this debt for the following reasons : -I have not received sufficient information to verify that this debt is legitimately owed by me.

-There has been no clear accounting of the amount claimed to be owed.

-I have not been provided with any agreement that bears my signature, indicating my agreement to pay the alleged debt.

-In accordance with the FDCPA, I request that you provide the following information : -A detailed and itemized statement regarding the alleged debt.

-Proof of your authority to collect this debt.

-Any agreement that you claim exists which obligates me to pay this debt.

-Verification of the date of the original delinquency.

Please note that this is not a refusal to pay, but a statement that your claim is disputed and validation is requested. During the validation period, any collection activities and reporting to credit bureaus should be ceased as mandated by the FDCPA.

If your office fails to respond to this request within 30 days from the date of receipt, this request will be deemed as an acknowledgment of the invalidity of the claim, and I expect the immediate removal of this matter from all credit reporting agencies.

Thank you for your attention to this matter. I expect your response in writing within the statutory time frame. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On XX/XX/XXXX, I ordered a queen bed from XXXX XXXX XXXX. I received the bed a couple of days later and assembled it. When my spouse and I slept on the bed, the footboard almost detached from the rest of the bed frame and the footboard was in a slanted position. I dismantled the bed and contacted XXXXXXXX XXXX XXXXXXXX regarding the issue so I can return the bed. 

The headboard has sharp edges and cut my hand anytime I attempt to dress the bed. Here is a description of the bed per the XXXX XXXX XXXX website : Bring sleek, retro style to your room with our Mid-Century Modern Queen-Size Panel bed. Inspired by the clean lines and modern look of mid-century design, this twin bed brings vintage flair to any space. A combination of solid pine wood and durable melamine make this bed a safe and stylish choice for any bedroom. 

What Kids Will Love : Queen-size bed = more space to stretch out! 
Super sturdy design makes it easy to hop into bed Panel headboard gives great support for reading in bed What Parents Will Appreciate : Sleek silhouette with angled legs and a solid pine wood and white melamine finish creates modern, mid-century style Solid pine wood slats and metal support bars create a high XXXX lb. resting weight capacity Low VOC finishes are non-toxic, contributing to a clean and healthy home Includes easy-to-read instructions, slat rolls, hardware and all the tools you need I advised XXXXXXXX XXXX XXXXXXXX representative known as XXXX about all the issues. Here is XXXX 's response on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX, XXXXXXXX XXXX Hello XXXX, I sincerely apologize for the issue with your order. It is our policy to provide free replacements for anything damaged. Items that are damaged or assembled are not eligible for returns/refunds. You can read more about our return policy here : Changes, Cancellations & Returns XXXX XXXX XXXX Thank you again, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Tel : 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 monetary relief