vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 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:
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-12-14 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-12-14 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: GA

Complaint narrative:
On XXXX the XXXX, 2023. I have submitted a dispute with TransUnion LLC, and they completed the investigation on XX/XX/2023. I received a letter showing that the account was deleted from my credit report but since I have started reinvestigation with XXXX XXXX XXXX, the company decided to put the account back on my credit file with TransUnion without proof of validation debt. I dispute the validity of the debt mentioned on my credit report with TransUnion and I am requesting the following information : 1. ) Verification of the license to collect debt in my state of Georgia. 2. ) Copy of any agreements, contracts, or documents bearing my signature, validating my obligation to pay this debt. 3. ) Documentation confirming the existence and validity of the debt including the amount owned or any write-off that the original creditors may have done. I am requesting validation of this debt as per my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 UFC 1692g. FCRA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, The furnisher subsequently reports that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). Section 605D of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within 4 business days and to promptly notify the furnisher ( s ) of that information. Please provide me with validation of this account as I requested in this letter or delete the account immediately.

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 2023-12-14 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: NC

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. Please find it in your best interest to delete the items

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 2023-12-14 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: EQUIFAX, INC.
State: LA

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 XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XXXX, we applied for a home mortgage loan modification with Wells Fargo and while the modification was accepted, the new monthly payment amount determined was higher than what we had been paying, and as a result our house went into the foreclosure process. Over the next five years, we tried to work with Wells Fargo to remedy the issue so we could keep our home, but as a result of their deceptive practices, we had to sell our house in a short sale in XXXX and move our family from the home we had loved for 12 years. 

On XX/XX/XXXX, we received a check for {$200.00} from Wells Fargo with a letter saying that " during a review of the account, we identified that when the loan was considered for payment assistance options, an error may have occured. '' It's our understanding that as of XX/XX/XXXX, Wells Fargo mortgage holders that were part of these fraudulent practices are being awarded an average {$24000.00}, not {$200.00}. 

Wells Fargo has not been helpful in resolving this or providing any information as to why we only received {$200.00}.

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 explanation
Consumer complaint received 2023-12-14 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: TX

Complaint narrative:
On XX/XX/XXXX, a hard inquiry from XXXXXXXX XXXX XXXX appeared on my TransUnion credit report. 

On XX/XX/XXXX, a hard inquiry from XXXX XXXX appeared on my TRANSUNION credit report. 

On XX/XX/XXXX, a hard inquiry from XXXX XXXX  appeared on my TRANSUNION 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 2023-12-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
According to the fair Act 15 USC 1681 section 602 states ACCURACY AND FAIRNESS OF CREDIT REPORTING : ( IN WHICH THIS IN NOT BEING HONORED OR BEING REPORTED TRUTHFULLY ) 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer. EQUIFAX, XXXX [ XXXX AND XXXX are all unlawful reporting inaccurate information. As the consumer I have the right to make sure my private information isn't being shared this statement is backed the 115 US 6801 and it states " It is the policy of Congress that EACH financial institution has an affirmative and continuing obligation to respect the privacy of it costumers and to PROTECT THE SECURITY AND CONFIDENTIALITY OF THOSE NON PUBLIC AND PERSONAL. 15 USC 1681-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISHANY INFORMATION RELATING TO A CONSUMER OR TO ANY CONSUMER REPORTING AGENY IF THE PERSON KNOWS OR HAS RASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. THESE COMPANIES SELLING MY INFORMATION AND COMMITTING SECURITIES FRAUD. I PULLED THEIR XXXX AND XXXX FILINGS AS WELL AS DOWNLOADED ALL MY DATA PLUS MY CREDIT PROFILE AND THE INACCURACIES ARE STILL THERE AND THEY FAIL TO PROPERLY INVESTIGATE THE ISSUES ATE HAND AND FAIL TO PROVIDE PROPER PROOF. NEITHER COMPANY ARE MAINTAINING REASONABLE PROCEDURES ALSO 12 CFR 160.7 STATES " A CONSUMER MAY EXERCISE THE RIGHT TO OPT OUT AT ANY TIME " I AM OPTING OUT OF YOUR ILLEGAL REPORTING SERVICES ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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:
According to the fair Act 15 USC 1681 section 602 states ACCURACY AND FAIRNESS OF CREDIT REPORTING : ( IN WHICH THIS IN NOT BEING HONORED OR BEING REPORTED TRUTHFULLY ) 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer. XXXX, EX [ ERIAN AND XXXX are all unlawful reporting inaccurate information. As the consumer I have the right to make sure my private information isn't being shared this statement is backed the 115 US 6801 and it states " It is the policy of Congress that EACH financial institution has an affirmative and continuing obligation to respect the privacy of it costumers and to PROTECT THE SECURITY AND CONFIDENTIALITY OF THOSE NON PUBLIC AND PERSONAL. 15 USC 1681-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISHANY INFORMATION RELATING TO A CONSUMER OR TO ANY CONSUMER REPORTING AGENY IF THE PERSON KNOWS OR HAS RASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. THESE COMPANIES SELLING MY INFORMATION AND COMMITTING SECURITIES FRAUD. I PULLED THEIR XXXX AND XXXX FILINGS AS WELL AS DOWNLOADED ALL MY DATA PLUS MY CREDIT PROFILE AND THE INACCURACIES ARE STILL THERE AND THEY FAIL TO PROPERLY INVESTIGATE THE ISSUES ATE HAND AND FAIL TO PROVIDE PROPER PROOF. NEITHER COMPANY ARE MAINTAINING REASONABLE PROCEDURES ALSO 12 CFR 160.7 STATES " A CONSUMER MAY EXERCISE THE RIGHT TO OPT OUT AT ANY TIME " I AM OPTING OUT OF YOUR ILLEGAL REPORTING SERVICES ''

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 2023-12-14 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: FL

Complaint narrative:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to address a concern regarding the information on my credit report. After reviewing my credit report, I noticed that there are late payments listed on my account, and I would like to request either their removal or correction. 

I understand the importance of maintaining an accurate credit history, and I take my financial responsibilities seriously. However, I believe there may be an error in the reporting of late payments on my credit report. I have attached supporting documentation, including bank statements and payment records, to illustrate that these late payments are not accurate. 

COMENITYCB/MYPLACERWDS XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or COMENITYCB/MYPLACERWDS customer service I kindly request that you investigate this matter and, if appropriate, remove or correct the late payments from my credit report. I am committed to maintaining a positive credit history, and the accurate representation of my financial status is crucial for my financial well-being. 

Thank you for your time and assistance in rectifying this matter. I am confident that we can work together to ensure the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The listed inquiries were not authorized by me. I contacted each company, and none were able to verify my authorization of the inquiry. I contacted each credit reporting agency on numerous occasions, and each have failed to adequately investigate the fraudulent activity or provide legitimate proof of investigation. I have called the reporting agencies numerous times and have been met with disconnected calls and countless failures to address my request. Please remove the fraudulent activity immediately per my rights under FCRA 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 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 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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The listed inquiries were not authorized by me. I contacted each company, and none were able to verify my authorization of the inquiry. I contacted each credit reporting agency on numerous occasions, and each have failed to adequately investigate the fraudulent activity or provide legitimate proof of investigation. I have called the reporting agencies numerous times and have been met with disconnected calls and countless failures to address my request. Please remove the fraudulent activity immediately per my rights under FCRA 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 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 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 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Its an account on my Experian that doesnt belong to me. I would like it remove immediately. I am trying to buy a car. This is affecting my way me buying a car.

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 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: VT

Complaint narrative:
Credit karma money is awful STAY AWAY!!! The XXXX they put you through a customer for a few years now my card was stolen one time through the years the day before they legally need to provide you a provisional credit they freeze and lock your account and tell you there is a special department handling your account and the only channel to reach them is via email what a joke im dumbfounded awful awful awful they are not for there customers I will be contacting the XXXX XXXX XXXX and consumer financial protection bureau in regards to this I live on a limited income and my direct to deposit is again going to be held up again years as a customer this is a terrible way to treat loyal customers I will be contacting the local media also be prepared just because i have a XXXX and you see I get my benefits direct deposited every month does not mean you can use my XXXX against me and lock me out and freeze my account from accessing my money it's discrimination and I am contacting everyone in my power until this is dealt with I can't get a hold of anyone email only well I don't email you my money I need it im in a financial hardship STAY away from this company my email Incase anyone wants to reach out to help me from the company or elsewhere is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: 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. 

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 2023-12-14 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: Aldous & Associates, PLLC
State: AZ

Complaint narrative:
I just looked at my consumer reports and noticed a collection on an account that is not mind. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never had this account and did not provide written consent to report the account : ALDOUS : XXXX XXXX XXXX Please investigate and provide proof with statements showing that this collection is mine and proof that I authorized the reporting of this information. If proof

Company response to consumer: Closed with explanation