vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 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: PA

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 XXXXXXXX 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 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 2022-12-29 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: 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 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 2022-12-29 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: PA

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 name : # XXXX XXXX XXXX, Account name : # 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 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 2022-12-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX noticed a couple of accounts that does not belong to me and the addresses these accounts are linked to are also not mines.I contacted these creditors multiple times and these incorrect items are still on my report.I file an identity theft report stating that I was a victim of identity theft.I have documents attached also with the report.15 u.s code s 1681c-1 I XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze. Also there were a name brench posted on my report also attached.the accounts are 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 2022-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-29 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: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: DE

Complaint narrative:
On or around XXXX - XXXX I saw a lot of pre approvals on credit karma at first I didnt pay it any attention but credit karma kept sending me all sorts of different pre approvals telling me that I was pre approved for credit cards, personal loans and that I can refinance my car everyday I would see these offers every time I log in to see my credit scores so after a few months of being told I was pre approved I thought I was now in the perfect place to apply I got so many offers through credit karma  I started telling my whole family about vacations and investments we were going to use these pre approvals for. So I applied some time around XXXX and I got denied for 2 credit cards and a personal loan I was distraught I was very very angry and I felt deceived I was marketed to for months, credit karma told me I was approved this was a lie. I was severely stressed out I was XXXX for weeks I had XXXX so bad I became XXXX my XXXX  went from XXXX to XXXX now every time I see pre approvals i immediately close my phone and XXXX my computer off this make me so uneasy that I havent checked my credit as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
During the XXXX XXXX the amount of XXXX was transferred from my savings account without my knowledge. I then informed the Bank of the issue and now my account is frozen. My spouse and I had to open a new account. The fraud is under investigation and that takes up to 10 to 45 days. The person also had my XXXX XXXX changed on my personal mobile phone. This is the fourth time this has happened to us, and I would like for it to stop! 

Thanks in Advance

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
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: VA

Complaint narrative:
Hi, so I submitted a dispute with XXXX to verify a bankruptcy listed on my credit report. I was told it was verified by Lexis Nexis. I, then, contacted Lexis Nexis to address the inaccuracies, I was told the information was being provided from a different source. I understand The Fair Credit Reporting Act ( FRCA ), states that any information reported to credit bureaus needs to be verified with the original furnisher. I contacted the clerk for XXXX XXXX XXXX  and was told they do not report information. So they are illegally sending my information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filing this NEW Complaint because Wells Fargo Home Mortgage FAILED and/or REFUSED to Answer OR Explain the following things I pointed out in my previous Complaint that was submitted on XX/XX/XXXX > COMPLAINT ID # XXXX As well as this COMPLAINT ID # XXXX that I Submitted on XX/XX/XXXX and closed on XX/XX/XXXX >.Here are the following 3 Points they NEED to Answer Completely and Fully >POINT A ) Qualifying for a Home Equity Account with XXXX XXXX In Wells Fargos XX/XX/XXXX XXXX to me they state that and I quote We have found No evidence of you not qualifying for a Home Equity Account with XXXX '' They found the XXXX XXXX XXXX XXXX account XXXX which was rebooked with a new loan number XXXX and paid in full plus the XXXX XXXX recorded on XXXX XXXX... .The problem with that explanation is this : Wells Fargo FAILED to Explain that Under XXXX XXXX Policy I Could NOT be eligible to apply for a Home Equity Loan as a Borrower in the first place because of these 2 ( TWO ) Reasons >> 1 ) I did NOT have a Checking and/or Savings Account with XXXX XXXX And 2 ) My Income was BELOW their minimum requirements ( The Minimum Income required to Open a Checking OR Savings Account was XXXX a year BUT my gross yearly Income for XXXX was XXXX!!! XXXX XXXX XXXXI NEVER had a Checking and/or Savings Account with XXXX XXXX ! ! My account was and STILL is with the XXXX XXXX XXXX XXXX XXXX North Carolina ( XXXX ). The Account XXXX # XXXX in which the back of the copies of the endorsed processed checks show & Prove this point clearly! ! XXXX XXXX FILES Attached> I was ONLY a Power of Attorney ( POA ) with XXXX XXXX POINT B ) Home Equity portion sold to XXXX XXXX XXXX XXXX In XXXX XXXX XX/XX/XXXX letter to me they state that and I quote We have found No evidence of a Loan being sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a XXXX loan Well here is the Evidence/Documentation XXXX XXXX XXXX  FILE Attached> And POINT C ) > They did NOT show me a copy of the Original XXXX XXXX Loan Document that would show my signature as the Power of Attorney IS underneath my XXXX signature therefore proving I was NOT a Primary Co-Borrower. INSTEAD They sent me these Forged Switched copies of the Deed of Trust and the XXXX XXXX XXXX Note> Here is PROOF of Forgery > SEE XXXX FILE Attached> That is just a sample. If necessary I CAN show other examples of this 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 2022-12-29 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: PA

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 XXXXXXXX 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 2022-12-29 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: PA

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 XXXXXXXX, 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 2022-12-29 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: KS

Complaint narrative:
This is another problem with Experian, separate from the one I reported recently. After having problems with the company, I requested a printed credit report and received one from Experian with an error in it. An XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX does not belong to me. I have never lived there or owned property there. 

Printed on the report from Experian is listed a phone number to call if the information on the report is incorrect : XXXX. 

On the morning of XX/XX/22, I made several attempts to call this number to correct the address error. The call went to a recording with XXXXwo options : 1 ) to select a freeze or fraud alert or 2 ) to get a credit score or credit report. Neither option is what I needed and no other options were available. The recording repeated several times with only these two options and then disconnected. There was no option to report errors or to speak to a live human being. 

I also called two other Experian phone numbers that I'd used in the past when I had were problems with their company : XXXX and XXXX. Both directed to the same recorded message with the same two options. 

I want the XXXX address removed from my credit report immediately and a corrected credit report mailed to me.

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 2022-12-29 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
after being informed XXXX/FORTIVA XXXX is furnishing a tradeline on my consumer credit file that is a result of aggravated identity theft 18 usc 1028a. XXXX/FORTIVA XXXX has knowingly furnished false credit information to the credit reporting agencies as a means of coercing payment on this extension of credit by the use of unlawful extortionate means, which is not lawfully my account. I have reason to believe XXXX/FORTIVA XXXX had prior knowledge that punishing a consumer for the nonrepayment of an extension of credit by engaging in extortionate means is a violation of the False Claims Act and XXXX XXXX and Corrupt Organizations ( XXXX ) XXXX. The furnishing of this false tradeline violates the FCRA. Any account resulting from aggravated identity theft it to be blocked within 4 days of receipt of notice as outlined under 15 USC 1681c-2. If has been more than 3 months and the information is still on my credit file. In fact after notifying XXXXFORTIVA XXXX they notated my account as " Transferred to another lender Purchased by another lender '' so instead of complying with the law they have chosen to sell the fraudulent debt to a debt collection agency to cause more harm to my financial reputation. Their blatant repudiation and noncompliance with the law is disgraceful and is a blatant example of a pattern of racketeering activity in attempts to fund their corrupt organization. XXXXFORTIVA XXXX is knowingly engaging in racketeering activity to fund its criminal enterprise. Ignorance of the law is no excuse to violate it. As your enterprise should know that punishing a consumer for the nonpayment of an fraudulent extension of credit by furnishing false information to third parties in order to jeopardize the financial reputation of the consumer with other financial institutions constitutes aggravated identity theft 18 USC 1028a and violation of the XXXX act 18 USC 894.

I am demanding XXXXFORTIVA XXXX to provide me with the consumer credit contract bearing my signature, and their errors and omissions insurance information. XXXX/FORTIVA XXXX is also to provide documentary evidence such as the books of account or any evidence as described under 15 USC 44 that this is in fact a legitimate debt owed to them by me XXXX XXXX. A statement does not prove anything. If your enterprise sends me a statement, I will take that as your complete disregard for the law and financial reputation and move to file suit for the intentional infliction of emotional distress I receive on behalf of these extortionate tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
THIS WILL BE MY SECOND TIME TRYING TO CORRECT THE INACCURATE INFO ATTACHED PLEASE FIND THE LETTER FROM OUR COURT NOTIFYING ME THAT THIS IS INDEED 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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
THIS WILL BE MY SECOND TIME TRYING TO CORRECT THE INACCURATE INFO ATTACHED PLEASE FIND THE LETTER FROM OUR COURT NOTIFYING ME THAT THIS IS INDEED 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