vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-15 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:
In accordance to the Fair credit reporting act XXXX account XXXX  has violated my rights 15 u. s 1681 section 602 A states that I have the right to privacy 15 u s 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Account Number Verification XXXX XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX XXXXXXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXXXXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXXXXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account

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 2023-01-15 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: TX

Complaint narrative:
In accordance to the Fair credit reporting act XXXX  account XXXX has violated my rights 15 u. s 1681 section 602 A states that I have the right to privacy 15 u s 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Account Number Verification XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-15 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX  XXXX XXXX XXXX Charge Off Pursuant to 18 USC8, I owe no debt this company is violating my consumer rights by rights to privacy pursuant to 15 USC 1681B. 2 Company has also no permission to report anything using my info pursuant to 15 USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I payed off my bestbuy credit card and closed the account after checking to make sure it was payed in full and now they are telling me I owe them money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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:
A dispute was submitted XX/XX/2023 for a collection that appeared on my account. 
Account : XXXX Number XXXX XXXX The account violated 15 U.S. Code 1681b. 
I did not authorized my consumer report to be given or sold to any other party. This has violated my right to privacy.

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 2023-01-15 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: Berlin-Wheeler, Inc. (Kansas)
State: VA

Complaint narrative:
A dispute was submitted XX/XX/2023 for a collection that appeared on my account. 
Account : BERLIN-WHEELER-KS Number XXXX XXXX The account violated 15 U.S. Code 1681b.

I did not authorized my consumer report to be given or sold to any other party. This has violated my right to privacy.

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 2023-01-15 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: 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : # 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 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 XXXX 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 2023-01-15 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: VA

Complaint narrative:
A dispute was submitted XX/XX/2023 for a collection that appeared on my account. 
Account : XXXX Number XXXX XXXX The account violated 15 U.S. Code 1681b. 
I did not authorized my consumer report to be given or sold to any other party. This has violated my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: ID

Complaint narrative:
Filed a dispute with Experian about an account that was reported delinquent XXXX months prior to it existing, and despite their own report showing that exact information they did not fix it when I reported it. I submitted a dispute XX/XX/XXXX, and received a XX/XX/XXXX that did not correct my report and did not change anything. I filed a dispute directly with the company and I am still awaiting results from them. My reports verifies that my account was opened in XX/XX/XXXX, however it was reported delinquent from XX/XX/XXXX through XXXX of XXXX despite the account not even existing during that time frame.

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 2023-01-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  account. XXXX XXXX XXXX XXXX  account. XXXX XXXX account. XXXX 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 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 2023-01-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account. XXXX XXXX XXXX XXXX account. XXXX XXXX account. XXXX 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 2023-01-15 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: IN

Complaint narrative:
XXXX XXXX XXXX  XXXX Charge Off Pursuant to 18 USC8, I owe no debt this company is violating my consumer rights by rights to privacy pursuant to 15 USC 1681B. 2 Company has also no permission to report anything using my info pursuant to 15 USC 1681 4

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 2023-01-15 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX Charge Off Pursuant to 18 USC8, I owe no debt this company is violating my consumer rights by rights to privacy pursuant to 15 USC 1681B. 2 Company has also no permission to report anything using my info pursuant to 15 USC 1681 4

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 2023-01-15 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:
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. 

XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-15 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:
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. 

XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-15 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: IN

Complaint narrative:
XXXX XXXX child support XXXX XXXX XX/XX/2023 Pursuant to 18 USC 8, I owe no debt to this company. This company is violating my consumer rights by putting this on my credit report. USC 1681B 2. 


I am currently in litigation, and this needs to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
As discussed in greater detail in the attached documents ( Exhibits A-D ), we learned on XX/XX/XXXX, that our XX/XX/XXXX estimated tax payment of {$20000.00}, that we had mailed to the IRS for XXXX taxes, had been stolen or otherwise diverted from the IRS, that a fraudulent check to an individual unknown to us, with a notation reading gift, with a forged signature had been fabricated and substituted for the check to the IRS, and that Bank of America had paid out that fabricated check through a mobile deposit at a Georgia branch of XXXX XXXX XXXX XXXX. Although we had signed up for fraud alerts on our account, Bank of America did not send us a fraud alert or make any effort to verify this check notwithstanding that the signature bore no similarity to either of our signatures, that it was written on a different check template from our checks and that it was a huge amount of money written to an individual and deposited as a mobile deposit in a distant bank. 

We immediately filed a fraud complaint with Bank of America and had expected it to honor its obligation not to pay out forged checks and to reimburse us for their gross error. Having recently learned only this month that Bank of America does not intend to do so, in fact has failed to investigate this matter at all despite having taken over XXXX months to " research '' it, we file this Complaint. We request that the CFPB XXXX Bank of America 's failures to honor its responsibilities to its customers ( we assume we are not alone ) and direct the bank to reimburse funds that have been stolen through forged checks. 

Thank you for your attention to this matter.

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 2023-01-15 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: ID

Complaint narrative:
Filed a dispute with XXXX about an account that was reported delinquent XXXX months prior to it existing, and despite their own report showing that exact information they did not fix it when I reported it. I submitted a dispute XX/XX/XXXX, and received a XX/XX/XXXX that did not correct my report and did not change anything. I filed a dispute directly with the company and I am still awaiting results from them. My reports verifies that my account was opened in XX/XX/XXXX, however it was reported delinquent from XX/XX/XXXX through XXXX of XXXX despite the account not even existing during that time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
There have been numerous problems and questions I've tried to get answers to with a legal aid service locally. I've not been able to get answers and I'm now coming to you as my last resort. I went through a divorce from XXXX to XXXX. I was awarded the home in the decree. The mortgage at that time was with XXXX. The balance was less than {$30000.00}. When the load XXXX was done in XXXX, unbeknownst to me when agreeing to it, the balance ballooned to {$50000.00}. No explanation or detail was given to me at that time. Since that time the mortgage was sold to XXXX, then XXXX, then New Rez and currently with Shellpoint. I've questioned each time the balance was transferred, it didn't seem to coincide with what it should be. In XXXX, I finally got an assumption to remove my ex-husband from the mortgage and a new loan XXXX to remove him from the mortgage. I thought at least that part was behind me ( but not the balance issue ). When the mortgage was transferred in XX/XX/XXXX, I discovered that the XXXX was split between my ex and myself. My attorney at legal aid requested they send me a corrected XXXX which they never have. I did receive a letter from New Rez stating his name was taken off, but I'm not sure that is true. I also was told at XXXX time that he was still financially responsible even after I assumed the mortgage. I have my account set up online to make payments and to watch the account. Also when the account went to New Rez, they had documents online concerning the transfer. At that time, I found they mysteriously had fees listed which there should not have been any after the loan mod. No explanation has ever been given for those to myself or legal aid. This has kept me from making any additional payments to bring my balance down. The fees listed are much older and some prior to the divorce!!! In addition to that, I can not see the account activity at all, I try to add my phone number as a contact and after I submit it shows until I refresh the account and it's gone. Lastly, I've spoken to a representative within the last 2 months about these matters not available and she made a comment that my account is not fully set up!! This all leads me to believe that somehow my ex is still on the account which after the assumption he should not be. I feel I've been conned and cheated by these horrible companies. I've read all the reviews of each of them and they all make my skin crawl. I've tried the only legal route I can afford to no avail. My home is all I have and right now, that is even in question. I know this is a lot but I'm so frustrated and tired of dealing with deceptive practices. If needed, I have statements from XXXX that shows there were no fees at time of transfer to New Rez

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My rights have been violated in relation to an account on my credit report. I reached out to TransUnion and requested that inaccurate information be deleted off of my credit report. TransUnion states that an investigation was done in regards to an XXXX XXXX account listed on my report; however errors and inaccuracies still exist on the report. My payment history is still not accurate. It is still showing differences in payments made across all 3 Credit Reporting Bureaus. How can validated information vary among the Bureaus? The credit limits, high balances, and payment history are all being reported differently to each of the Credit Bureaus. This is in direct violation of my rights. 

I have attached the investigative results by TransUnion and a copy of my credit report with the errors circled in red. 


15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted and all negative information removed. 15 U.S.C 1681 Section 602 A - I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.

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