vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 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: VA

Complaint narrative:
n 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 U.S.C. 1681. 


Account Name : Account Number 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 XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681c. ( a. ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any 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 2023-03-07 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: TX

Complaint narrative:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: SC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-03-07 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: IN

Complaint narrative:
I have been a victim of identity theft There are Inquiries reflecting on my credit report that I did not authorize. 

XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX In accordance with the Fair Credit Reporting act Convergent 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 consent or 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 2023-03-07 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: MD

Complaint narrative:
Consider this as a follow-up complaint to this specific account : XXXX XXXX XXXX : {$1300.00} This account must be validated in my file I think it is erroneously reported. I am asking for your help to investigate the inaccurate account listed in my credit file.

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 2023-03-07 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: CA

Complaint narrative:
This is my 9th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX  XXXX Balance : {$2000.00} XXXX XXXX Balance : {$6500.00} XXXX XXXXXX/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 2023-03-07 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: GA

Complaint narrative:
It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. This is my 2nd attempt to inform that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I previously asked to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies of proof of verification if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have failed to send me copies of documents I asked from them. I also sent dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and request that the Credit reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-03-07 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - Account # XXXX XXXX - Account # XXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX - Account # XXXX XXXX - XXXX XXXX- Account # XXXX XXXX  - Account # XXXX XXXX XXXX  - Account # XXXX XXXX XXXX  - Account # XXXX Dept of ED/ XXXX XXXX  - Account # XXXX Dept of ED/ XXXX XXXX  - Account # XXXX Dept of ED/ XXXX Advantage - Account # XXXX Dept of ED/ XXXX XXXX  - Account # XXXX Dept of ED/ XXXX XXXX  - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX - Account # XXXX XXXX  XXXX- Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX - Account # XXXX HAS ALL 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 that 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 any consumer reporting agency if the person knows or has reasonable causes 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 2023-03-07 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 2023-03-07 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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:
I am submitting this CFPB Complaint to request to the Crediet Bureaus to remove the disputed accounts being reported on my Credit File that do not have the rights to be reported on my Credit File. I previously asked the Credit Bureaus to remove the reported accounts from my Credit File since these accounts do not belong to me. The Educational Loan accounts belong to my daughter and I have nothing to do with these accounts. Please comply with the Fair Credit Reporting Act and have these accounts removed from my Credit Report as soon as possible. I need you to please take a good look at the following accounts : XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX  XXXX Balance : {$39000.00}. In accordance with the Fair Credit Reporting Act, please have these accounts removed from my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 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:
I am submitting this CFPB Complaint to request to the Crediet Bureaus to remove the disputed accounts being reported on my Credit File that do not have the rights to be reported on my Credit File. I previously asked the Credit Bureaus to remove the reported accounts from my Credit File since these accounts do not belong to me. The Educational Loan accounts belong to my daughter and I have nothing to do with these accounts. Please comply with the Fair Credit Reporting Act and have these accounts removed from my Credit Report as soon as possible. I need you to please take a good look at the following accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX  XXXX Balance : {$39000.00}. In accordance with the Fair Credit Reporting Act, please have these accounts removed from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HomeTown Lenders, LLC
State: NC

Complaint narrative:
My personal information was disclosed to sellers ; social security number, credit history, income, address, and marital status. I am attaching the paperwork that disclosed this information.

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 2023-03-07 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am in receipt of a computer-generated letter from vour company with unsigned, unverified, unvalidated statements alleging some kind of debt. Who are you? Do Thave a contract with you? If yes. please send a certitied copy of the contract that exists between XXXX XXXX and CCS It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes and I do not owe the debt for the account in the above Regarding. However, your claims are conditionallv accented provided vou furnish me with a claim verified under penalty of perjury. 

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. 
Please send me a certified copy of your license to collect a debt in Texas. If you purchased this as a " debt collections '' device to make money as a debt collector, thank you for paying off the bill. You have 3 days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in 3 business days is acceptance and your failure to cure vour dishonor will receive my NOTICE AND DEMAND for {>= $1,000,000} in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion Racketeering, Conspiracy, Intimidation. 

Here are the terms of this self-executing Contract : Respondent must respond in an Affidavit with the requested supporting documentation and mail it to me. 

In the absence of a true bill, kindly tender payment of {$1000.00} payable to : XXXX XXXX for 1 ( one ) unsigned, unverified, unvalidated statement punishable by Federal Law pursuant to Title 18 USC 1341. 1702. 1703 and 1708.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: NC

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights 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 2023-03-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights 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 explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/2023 I attempted to set up a savings account with Ally Bank. I was trying to fund a savings account with the amount of {$150000.00}. but due to some glitches and/or bad advice from Ally support team, this turned into a {$300000.00} funding. The second {$150000.00} over drew my external bank so it bounced back to the external bank right away but unfortunately the initial {$150000.00} which is my money even though i have been requested it be returned for a month has not been returned to my external bank. I have spent countless hours talking and chatting to Ally support team to get my funds returned to no avail. This is money I need for my life living so I am naturally very worried that Ally will not return to the money to my external bank. As its stands now Ally not only will not return my money but my money is in their bank but not referenced to me in an account leaving me no access to my own money.

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 2023-03-07 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: TX

Complaint narrative:
This is my 2nd 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 : {$25000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$52000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$52000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$880.00}

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