vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-09 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: CA

Complaint narrative:
USC 1681 Section 602a, states that I have the right to privacy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 USC 1681 sec. 604a sec.2 : It also says a Consumer Reporting Agency can not furnish my account without my written instruction.

15 USC 1681 c, ( a ) ( 5 ) states : No Consumer Reporting Agency may make any Consumer Report containing any of the following items or information : Any other adverse item of information, other than records of convictions of crimes which antedates the Report by more than 7 years.

15 USC 1681c 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 2023-04-09 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: VA

Complaint narrative:
XXXXXXXX XXXX XXXX  XXXX XXXX due to it's predatory lending practices have adversely affected me. 

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 : XXXX XXXX 15 U.S.C. 1681 Section 602 A States that 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 that no consumer agency may make any consumer report containing any of the following items 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 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 2023-04-09 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: VA

Complaint narrative:
XXXX 's XXXX XXXX XXXX due to it's predatory lending practices have adversely affected me. 

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 : XXXX XXXX 15 U.S.C. 1681 Section 602 A States that 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 that no consumer agency XXXX make any consumer report containing any of the following items 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 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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
When attempting to obtain my printable credit report from your organization via AnnualCreditReport.com your website caused my browser on XXXX ( XXXX, the default browser which is up to date ) to crash when I attempted to print to my wireless printer and I was unable to retrieve my report as a result. 

I need the printable form of my report available from AnnualCreditReport that I requested today, XX/XX/XXXX, either in PDF form, or some other printer friendly format for me to print.

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 2023-04-09 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: LA

Complaint narrative:
Attached you will see I have several inaccurate items reporting on my consumer report that don't belong to me but have come back verified and I demand a thorough method of verification/validation of these accounts! I am in the home buying process and these inaccuracies have damaged my credibility tremendously in the eyes or mortgage institutions and lenders. If these accounts can't be thouroughly validated I want them deleted from my cosusumer report within 10 days of receipt of this complaint as I've already submitted my initial dispute.

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 2023-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
A fraudulent account was opened under my name with XXXX XXXX on XX/XX/2022 at this address : XXXX XXXX XXXX XXXX, OH XXXX I called XXXX XXXX directly to try and resolve the issue, but they were not able to immediately help me. During the call, I was able to determine that the other authorized user on the account is XXXX XXXX. I do not know who this person is. I live in Southern California and have never stepped foot in Ohio. Somebody stole my personal information and opened an account with XXXX. 

The thief did not pay the bill, and now XXXX has sent the balance, {$220.00}, over to a collections agency : Sequium Asset Solutions XXXX This has now negatively impacted my credit score with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am trying to buy a car and I have requested to remove the freeze or Alert from my credit report. I have requested that my freeze be removed permanently for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX, SS XXXX PHONE XXXX. I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all security freezes at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am trying to buy a car and I have requested to remove the freeze or Alert from my credit report. I have requested that my freeze be removed permanently for XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX XXXX PHONE XXXX. I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all security freezes at once.

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 2023-04-09 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I have several account that are over 7 years from the date of last activity still showing on my credit report. I hav disputed them several times and neither the credit bureau nor creditor has remove the information nor have they provided proof that the information I have is incorrect. I fell ill in 2016 while XXXX and was placed on XXXX. It took several month for my XXXX payments to start causing my last activity payments to be in XXXX of 2016. When I request statements from the creditors my request is met with a bill but no proof of last activity on their part. The majority of these accounts are with commenity bank aka bread financial ( I had # 7 store accounts with them ), XXXX XXXX XXXX ( this is only one acct but reported twice with different acct numbers ), XXXX, XXXX, and XXXX XXXX XXXX. Every time I dispute date of last activity is over 7 years their reply is charged off account and then their remarks being posted drops my credit score! Of course it is a charged off account but date of last activity is over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
When attempting to obtain my printable credit report from your organization via XXXX your website caused my browser on XXXX ( XXXX, the default browser which is up to date ) to crash when I attempted to print to my wireless printer and I was unable to retrieve my report as a result. 

I need the printable form of my report available from XXXX that I requested today, XX/XX/XXXX, either in PDF form, or some other printer friendly format for me to print.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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:
USC 1681 Section 602a, states that I have the right to privacy. 
XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
15 USC 1681 sec. 604a sec.2 : It also says a Consumer Reporting Agency can not furnish my account without my written instruction.

15 USC 1681 c, ( a ) ( 5 ) states : No Consumer Reporting Agency may make any Consumer Report containing any of the following items or information : Any other adverse item of information, other than records of convictions of crimes which antedates the Report by more than 7 years.

15 USC 1681c 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 2023-04-09 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:
USC 1681 Section 602a, states that I have the right to privacy. 
XXXX XXXXXXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
15 USC 1681 sec. 604a sec.2 : It also says a Consumer Reporting Agency can not furnish my account without my written instruction.

15 USC 1681 c, ( a ) ( 5 ) states : No Consumer Reporting Agency may make any Consumer Report containing any of the following items or information : Any other adverse item of information, other than records of convictions of crimes which antedates the Report by more than 7 years.

15 USC 1681c 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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I received a copy of my credit report from XXXX. The credit report showed credit inquiries that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please remove this inquires listed below from my account : * Capital One -- XXXX XXXX * Capital One -- XX/XX/ I, also, received a letter stating that I applied for a XXXX on XX/XX/. I checked my credit and it shows that I have an inquiry on my XXXX report. Please remove the follow inquiry from my XXXX credit report : * Capital One -- XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America does not release the lien on title and accuses the investor for not clearing the title. The federal regulations and guidelines specifically state that 3rd-party purchasers are entitled to the property free and clear of any liens on title. It has been more than 6 months since Bank of America has been attempting to resolve this matter. I believe they are not compliant and maybe delaying the process due to not complying with federal regulations on HECM 's. 

FHA 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 2023-04-09 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: NY

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX  and XXXX account XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 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 USC 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 2023-04-09 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:
15 U.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 602 A. states I have the right to priavcy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not 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
Consumer complaint received 2023-04-09 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: SC

Complaint narrative:
i have over 7 times try to dispute XXXXXXXX XXXX with transunion and i am not getting any acknowledgment its been 6 months cfpb complaints keep getting closed when it shouldnt be

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 2023-04-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo does not release the lien on title and accuses the XXXX XXXXXXXX XXXX for not clearing the title. However, on title ( attached ) you will see that Wells Fargo is responsible for the error in recording the title properly. 

XXXXXXXX XXXX does not have record of the mortgage. However, XXXX referred me to XXXXXXXX XXXX as the loan servicer. Once again, XXXX XXXX ( attach ) now sent a letter stating they have no record of the mortgage. 

The federal regulations and guidelines specifically state that 3rd-party purchasers are entitled to the property free and clear of any liens on title. It has been more than 6 months since Wells Fargo, XXXX and XXXX have no solution in resolving this matter. I believe they are not compliant and maybe delaying the process due to not complying with federal regulations on XXXX 's. 

FHA 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 2023-04-09 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
While I was XXXX  and unable to check and monitor my credit I was a victim of identity theft and then the pandemic was in main swing and I'm just getting all the information I need too file my complaint and request these accounts be removed from my credit reports please and thank you. 
XXXX I have enclosed in the attached documents the list of all accounts not mine good bad or in between

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
While I was XXXX  and unable to check and monitor my credit I was a victim of identity theft and then the pandemic was in main swing and I'm just getting all the information I need too file my complaint and request these accounts be removed from my credit reports please and thank you. 
XXXX I have enclosed in the attached documents the list of all accounts not mine good bad or in between

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My late payments should not be on my consumer report as recorded with federal law. Also theres inaccurate information being reported from the same person they report. On my report for the car loan and late payments. Experian shows 2 30 days and XXXX shows 3 30 days as well as Experian shows 2 90 days and XXXX shows 1 90 days. More information being wrongfully reported the term length on Experian says 78 months and term length on XXXX is blank. Last payment on Experian says XX/XX/XXXX and on XXXX says XX/XX/XXXX if they getting that same information from the same person why everything isnt adding up not only not adding up. Information thats not suppose to be reported without my written consent is being reposted ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I recieved an email XX/XX/23 stating that due to my credit report, my credit limit will be decreased. I reviewed my credit report and noticed there was very little change to the report between the time I opened the card and the time that I recieved this email. When I attempted to find out from the bank why this is, they refuse to tell me. During this same conversation, the representative procedes to insult me and directed me towards their legal team when I asked to find out how to file a complaint towards this individual. After this they closed the chat.

Im still working with the reasonable employees of this bank to find out what they saw in the credit report, as I am still being told Im not allowed to know.

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