vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 this is a charged off account there shouldnt be a passed due amount as well as this being fraud this account was used in south XXXX i have never been there before in my life this company is a bunch of thieves ruining my credit and life essentially this account is also still reporting to my credit report even thoough its charged off once a account is closed it can only reflect late up to which it shouldnt be on my report at all still ruining my life how long will i have to deal with this unjust i have a couple lawsuits on there way to the cfpb, and the reporting agencies please handle 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 2023-05-09 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:
n accordance with the Fair Credit Reporting act 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 this is a charged off account there shouldnt be a passed due amount as well as this being fraud this account was used in south XXXX i have never been there before in my life this company is a bunch of thieves ruining my credit and life essentially this account is also still reporting to my credit report even thoough its charged off once a account is closed it can only reflect late up to which it shouldnt be on my report at all still ruining my life how long will i have to deal with this unjust i have a couple lawsuits on there way to the cfpb, and the reporting agencies please handle this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My initial complaint was filed against Trans Union and XXXX for not updating my report to include recent payoff accounts and for adding an account that was part of XXXX several years ago. The information has not been investigated and I'm told my dispute was closed, yet this agency is reporting that they are working on the issue. Instead of handling my dispute I was sent letters requesting me to verify my identity as a method to stall or dismiss my process in retaliation for my filing a complaint with you. There isn't any need for me to verify my identity when it's already been verified through postal services change of address. And my information hasn't had to be verified because all of my information is current. I want someone to please look into sly tactics to ignore my dispute and keep wrong information on my 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 explanation
Consumer complaint received 2023-05-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding 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 2023-05-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I! m entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-05-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I! m entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX i deposited a payroll check into my account theough the atm service because chase has moved their inside hours closer to XXXX XXXX. My wife banked with them and i work the same company she did so i assumed there wouldnt be an issue. My account was immediately locked down and put on a security hold for no reason with XXXX warning or explanation aside from " we will release the funds once we contact the issuing bank '' then i was given a deadline that i would have my money by XXXX. Then the deadline changed to the XXXX stating it is now a security hold. I am a XXXX veteran and i havent eaten in nearly 2 days because of this. All of which i have sooken to my bank about. And have the recorded phone calls stating that they do not care about veterans or anyone in general and " ill get my money when i get my money '' even chase banks own customer service stated the same sentiment worded differently. It is now the XXXX. My utilities are about to be disconnected. Phone disconnected etc because they will not release my funds nor will they let me close my account until the hold is over and pull my money. I thought better of them but i was wrong. They used very aggressive tactics when.i opened my account in order to force me into an account with a monthly fee even though im XXXX XXXX  XXXX through the XXXX XXXX. This bank is disgusting and i would never recommend anyone to use them.Chase is also aware of their aggressive practices because im not even allowed to screen shot my own account on my phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dates around XXXX Fees including interest rates and credit reporting were inaccurate. We sold the vehicle to get away from Wells Fargo auto.

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 2023-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: GA

Complaint narrative:
Good morning, I have been reaching out the Republic finance here in XXXX, ga where I initially received my loan of {$5000.00} over a year ago. I have never missed or made a late payment. As of the last two months I have been reaching out to the loan company to speak with a manager because my sole income of being a 100 % service-connected XXXX veteran has changed and that I was struggling to keep up with the payment as well as I have been living on the streets since XXXX. They refused to work with me but constantly offering to give me more money. Of yesterday the number that I usually reach them on is now disconnected. Additionally, most times I pay more than what is due and currently my balance is still sitting at {$5600.00} on a {$5000.00} loan, The second problem is that they are reporting that my original loan was {$7000.00} and This was the first I heard of that was from the credit bureau, and lastly, yesterday my credit score dropped because the credit reporting agency said that my score dropped because my balance with XXXX XXXX has increased between XXXX and XXXXXXXX XXXX XXXX. I googled the headquarters and was able to connect with them but after speaking with XXXX XXXX I was constantly transferred to different extensions that would ultimately end in the call being drooped every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
XXXX is saying I had cell phone account with them. I didn't sign XXXX. Not sure what are charging me {$120.00}.

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 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

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 2023-05-09 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: IL

Complaint narrative:
Please update my account as soon as possible as I am having difficulty accepting this issue and it is affecting my ability to sleep. I urge you to remove any inaccuracies and confirm that I have always made timely payments, as this situation is causing me a lot of 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 2023-05-09 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: NV

Complaint narrative:
Myself and my grandmother signed a home lease with XXXX XXXX XXXX in XXXX. I was removed from the lease as a cosigner in XXXX, to my understanding. I am a victim of identity theft committed by a close family member. I did not become aware of this until XX/XX/XXXX, when XXXX XXXX XXXX contacted me via phone to collect a debt. I explained I would like a validation letter to see the accusation of debt, and this was not my account ; I was no longer associated with the lessee, nor do I have any business relations with XXXX XXXX XXXX. XX/XX/XXXX : XXXX XXXX  failed to send the proper documents without any factual evidence or proper investigation. Credit reporting agencies XXXX, Experian, and XXXX have violated my FRCA rights under 15 U.S. Code 1681i, 605B Block of Information Resulting From Identity Theft. The credit reporting agency has not taken the proper steps to investigate this collection. I have submitted every document to support my dispute, including my current address, my identity, and a XXXX report with the identity theft agency. Still, the credit reposting agency has not provided me with any evidence of their investigation as to why they believe this is my debt. I have since then put a freeze on my consumer report as an identity theft victim report about this matter of my social security being misused and abused without my verbal consent or written notice. Since reporting this matter with the credit reporting agency, this has been an ongoing problem that has brought me stress, XXXX, and suffering. Please assist me with this problem. 



ACCT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00}

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 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In XXXXXXXX XXXX XXXX I have a 'parked ' collection that was bought by XXXX XXXX. They are reporting this as a new account it is not a new account. This collection has been parked on my credit reports for 4 years now. This is not a new debt and under FRCA guidelines is not a new account. XXXX XXXX  was explained the debt was disputed and removed from my credit reports for other FCRA violation and they insist they can report this when ever they want.

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 2023-05-09 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I DO NOT CONSENT TO AUHTORIZE TO PUT A FRAUD ALERT ON MY CREDIT REPORT PLEASE REMOVE AND BLOCK IT TO MY 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 2023-05-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX ) has repeatedly called me stating I owe {$3200.00}. I explained that I never had a XXXX account and XXXX XXXX XXXX XXXX advised this would be removed after I have disputed this account online several times in XXXX with Transunion. The account was briefly removed, but now XXXX XXXX has started calling me repeatedly and I have blocked their number. This company has reported this inaccurate information on my credit report to Transunion. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.15 U.S.C . 1681 section 604 Section 2 :

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 2023-05-09 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 Section 604 A Section 2 : As a consumer Equifax/ reporting agency can not furnish an account without my written instructions. YOU DO NOT have my permission. 

Please DELETE ALL HARD INQUIRIES and accounts that are reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed the items below but the bureaus did not remove them nor prove validation. 

XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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 XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX 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

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