vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-30 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 According to 15 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 don't 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 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 2023-12-30 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 According to 15 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 don't 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 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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 18681b 2. Company also has NO permission to report ANYTHING using my information pursuant to 15USC 1681 4. 
Bridgecrest XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. {$21000.00} written off. {$19000.00} past due as of XX/XX/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 2023-12-30 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: OH

Complaint narrative:
TRANSUNION, XXXX AND XXXX ARE REFUSING TO REMOVE INFORMATION FROM MY CREDIT REPORT THOUGH I HAVE PROVIDED AN FTC IDENTITY REPORT, AND POLICE REPORT. 

I HAVE ASKED EACH BUREAU : Please block and remove all information resulting from Identity Theft pursuant to FCR

A 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

IN WHICH THEY HAVE REFUSED TO DO SO.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 18681b 2. Company also has NO permission to report ANYTHING using my information pursuant to 15USC 1681 4. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. {$21000.00} written off. {$19000.00} past due as of XX/XX/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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 18681b 2. Company also has NO permission to report ANYTHING using my information pursuant to 15USC 1681 4. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. {$21000.00} written off. {$19000.00} past due as of XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 18681b 2. Company also has NO permission to report ANYTHING using my information pursuant to 15USC 1681 4. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. {$21000.00} written off. {$19000.00} past due as of XX/XX/2XXXX 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 2023-12-30 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: MS

Complaint narrative:
I have requested documentation of inaccurate accounts that are negatively affecting my credit profile. The Bureaus continuously report that the information has been " verified '', however can not provide me with documentation of who they have verified these accounts with or how they have verified them.

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 2023-12-30 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have requested documentation of inaccurate accounts that are negatively affecting my credit profile. The Bureaus continuously report that the information has been " verified '', however can not provide me with documentation of who they have verified these accounts with or how they have verified them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 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: The CMI Group, Inc.
State: FL

Complaint narrative:
Credit Management LP has wrongfully report on my Credit Report collecting a debt that Ive never had any contract with them! I just all of sudden see a collections on my report! I dont owe them, I dont know them, Ive never get contacted by them 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 My right has been violated by Credit management LP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention serious concerns regarding the egregious and intentional violations of the Fair Credit Reporting Act ( FCRA ) by XXXX. It has come to my attention that this entity is deliberately manipulating algorithms to unfairly skew my credit report in their favor, all in connection with a fictitious debt. 

Despite my diligent efforts over several years to address and rectify the situation directly with them, XXXX has not only refused to cooperate but has also engaged in calculated practices to detrimentally impact my creditworthiness. Their intentional misuse of algorithms has distorted the true nature of my credit profile, constituting a blatant breach of the FCRA. 

The following actions are requested for immediate attention and resolution : Verification and Validation : I demand documented proof of the legitimacy of the alleged debt, along with conclusive evidence establishing my liability for the purported amount. 

FCRA Compliance : I insist on a thorough investigation into XXXX 's compliance with the FCRA, seeking evidence that they have followed all relevant legal requirements in reporting information to credit bureaus. 

Algorithmic Manipulation : Provide documentation substantiating the fairness, accuracy, and non-bias of any algorithms employed by XXXX in assessing my creditworthiness. 

I believe that XXXX 's actions not only undermine the integrity of the credit reporting system but also violate the very essence of the FCRA, which mandates accuracy, fairness, and consumer privacy. I request the Consumer Financial Protection Bureau 's intervention to rectify these violations promptly. 

Enclosed herewith are copies of relevant documents supporting my claim. Your urgent attention to this matter is crucial in ensuring the protection of consumer rights and upholding the principles of fair credit reporting. 

I appreciate the Consumer Financial Protection Bureau 's commitment to consumer protection and look forward to a swift resolution.

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 2023-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, I wrote a check of {$500.00} to XXXX XXXX XXXX for his service in my bathrooms. 
He deposited the check the same day to his account in Wells Fargo bank and my bank account had a withdraw of that check in XX/XX/XXXX. XXXX XXXX received a notice that an insufficient fund from Wells Fargo bank and it won't be available until XX/XX/XXXX. Even though we Wells Fargo banks was contacted for several times and did not explain to us why there was such a delay. 
This morning, XX/XX/, XXXX XXXX and I went to a branch near me and spoke to XXXX XXXX XXXX of XXXX XXXX XXXX  at XXXX XXXX XXXX, XXXX CA XXXX. He rudely dismissed us and restated that the money would be available only in XX/XX/XXXX  which is 13 days after the deposit and the withdraw from my bank account. My bank is XXXX XXXX  and the branch I used is at XXXX XXXX, XXXX, CA XXXX. XXXX XXXX. XXXX XXXX stated the withdraw was successful. 
XXXX XXXX was upset by the statement from Wells Fargo bank that this check had insufficient fund. And the false statement from Wells Fargo regarding to " insufficient fund '' tarnished our company 's reputation. 

In the mean time, Wells Fargo seems to have no delay on depositori and receivers with no XXXX or XXXX names. My in-laws with last name XXXX deposited a {$4500.00} check in her Wells Fargo bank XXXX XX/XX/XXXX was treated differently.

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 2023-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX American Express Card . 


I provided all of the account number for my XXXX XXXX account, talked with high risk who said everything was approved and that new account to would follow up with me to them denying my application after making me wait 2 weeks for any type of notification. I have the appropriate XXXX XXXX accounts that I need for this card. I will provide them below again XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I've mail a letterXX/XX/XXXX asking to about out per FCRA federally protected rights but, the item is still on my credit report. Also, this item is a charge off and is considered a certificate of indebtedness which means it is income and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I've mail a letter XX/XX/XXXX asking to about out per FCRA federally protected rights but, the item is still on my credit report. Also, this item is a charge off and is considered a certificate of indebtedness which means it is income and must be removed.

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 2023-12-31 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: TN

Complaint narrative:
Recently, I did an investigation on my report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.

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 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I've mail a letter XXXX XXXX  asking to about out per FCRA federally protected rights but, the item is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
My XXXX XXXX XXXX  was totalled I had full coverage plus gap insurance for this exact reason insurance paid their share gap insurance was supposed to take care of the rest thats why I purchased it 6 months goes by I start getting phone calls from ally financial saying I still owe XXXX + I disagreed gap insurance paid them but according to ally they didn't pay the late fees that supposedly accrued while the insurance company was crossing the t 's and dotting the I 's I refused to pay them 6 months worth of late fees that accrued while they were waiting for my insurance and the gap insurance to pay for the car still they called all day everyday saying they were going to take me to court they were going to ruin my credit for as long as they could my car was totalled in XXXX or XXXX and they still refuse to let up even though the insurance paid them full price for their loss and I couldn't even get another car that is what I got out of the deal not evena souvenir from the wreckage so they paid the money for the the car I was paying them back never missed a payment or late and they want me topay what the insurance refused to they agreed on the price to pay for the car then after they accepted the money and everything was done they want to come after me for nonexistent late payments

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 2023-12-31 00:00:00
Product: Credit reporting 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:
I've mail a letter XXXX XXXX asking to about out per FCRA federally protected rights but, the item is still on 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 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I've mail a letter XX/XX/XXXX asking to about out per FCRA federally protected rights but, the item is still on 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 explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I simply asked them to close my saving account and transfer {$300.00} that was in there to my checking account. 
It has been 2 months and these idiots havent given me my money. First they said it was transferred to my checking and then they reversed it. 
I have filed XXXX CFPB complaints and they keep closing that saying that they are sending me a check. Finally I get a check and I deposit and and then that is reversed as well as they put a stop payment on this check. So I have no clue what these idiots are doing. When I call them, they keep transferring me from one department to another. I have a voice mail from XXXX or XXXX from their so called XXXX Executive customer service that this check is good and they are closing the case, but of course they were lying again. 

XX/XX/2023 Telephone transfer to XXXX XXXX XXXXXXXX XXXX - {$300.00} {$200.00} XX/XX/2023 Telephone transfer from XXXX XXXX Account transfer {$300.00} {$500.00} XX/XX/2023 DEPOSITED ITEM RETURNED Stop Payment XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX | Returned deposit item - {$300.00} {$200.00} XX/XX/2023 XXXX XXXX XXXX XXXX XXXX | Deposit {$300.00} {$500.00}

Company response to consumer: Closed with explanation