vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 late open XXXX XXXX XXXXXXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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  XX/XX/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 2023-05-05 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: CA

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 Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # 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 2023-05-05 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: CA

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 Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Account # XXXX experian XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # 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 2023-05-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX late open XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX  XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/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 2023-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 
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 2023-05-05 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: GA

Complaint narrative:
The credit bureaus do not respect the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to XXXX XXXX XXXX ( XXXX ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to XXXX XXXX XXXX ( XXXX ) the credit bureaus dont have no written premission According to XXXX XXXX XXXX I have the right to privacy According to XXXX XXXX XXXX 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-05-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus do not respect the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to XXXX USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please remove.

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 2023-05-05 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: MI

Complaint narrative:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act XXXX XXXX XXXX missed payments open XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX missed late payments open XXXX, XXXX 1 missed late payments opened XXXX, XXXX XXXX XXXX 1 missed late payments on XX/XX/XXXX open XX/XX/XXXX, XXXX XXXX XXXX  XXXX 2 Missed late payments XXXX XX/XX/XXXX and XX/XX/XXXX opened XX/XX/XXXX, credit XXXX bank NA XXXX missed late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX open on XX/XX/XXXX XXXX 1 missed late payment on XX/XX/XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX  {$480.00} opened XXXX, XXXX XXXX XXXX XXXX XXXX said I owed them {$8900.00} open XXXX They are not the Original Owners 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.

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 any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.

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 2023-05-05 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: NY

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX  XXXX XXXX & XXXX XXXX XXXXXXXX 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 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX charged me {$1500.00} incorrectly. They said they refunded me {$65.00} on XXXX. Citibank wont give me my credit back

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 2023-05-05 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: CA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 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 2023-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is my 5th 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, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$19000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance XXXX {$21.00} XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$19000.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2023-05-05 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: OH

Complaint narrative:
This is my 5th 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, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$19000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance XXXX {$21.00} XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX  XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief