vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-27 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. 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 XXXX 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 2023-05-27 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: KS

Complaint narrative:
I am writing to file a formal complaint against Experian, a consumer reporting agency, for violating my rights under the Fair Credit Reporting Act ( FCRA ). I believe Experian has failed to comply with the provisions outlined in 15 U.S.C 1681 section 602 ( A ) and 15 U.S.C 1681 section 604 ( A ) ( 2 ) of the FCRA. 

The account # XXXX Violation of 15 U.S.C 1681 section 602 ( A ) : States I have the right to privacy. Section 602 ( A ) of the FCRA explicitly explains that I have the right to privacy regarding my consumer information. However, Experian 's actions have compromised my privacy in so many ways. This violation undermines the core principles of the FCRA, which aim to protect consumers ' sensitive personal information. They are in violation to the highest degree and this should be addressed. 

Also addressing the violation of 15 U.S.C 1681 section 604 ( A ) ( 2 ) : States a consumer reporting agency can not fornish an account without my written instruction. This has been addressed to them multiple times. The last phone call I was rudely told " this is not the case '' and I was hung up on while trying to explain my situation of identity theft. 
According to section 604 ( A ) ( 2 ) of the FCRA, a consumer reporting agency such as Experian is prohibited from furnishing information about a consumer 's account without the consumer 's written instructions, unless certain exceptions apply. However, Experian has furnished information regarding my XXXX Accounts ( stated above ) without obtaining my written instructions to do so. This unauthorized disclosure of my account information is also a clear violation of the FCRA.

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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/23 I sent EQUIFAX a certified dispute letter with proof of my identity by my government ID and proof of residency with my bank statement in regards to fixing my personal information that was reporting inaccurate address and employment on my credit report and I received my return receipt because they signed for it. I called five times and authenticated my identity through the phone and my email. I waited two month to pull my credit report and EQUIFAX refused to correct my inaccurate information. The representative XXXX was the most disrespectful person I ever encountered he said he wont be able to fix it due to me not sending in my full social security card. I have proven time and time again my identity but its wasnt to his or EQUIFAX liken. I feel that they deliberately make consumer go through difficult situations for their own satisfaction. I have been trying to get my personal information corrected for two months but each time they failed to do their job. They are violating my consumer rights and not following the FCRA guidelines because of the fact they want to cause me trouble and take me through pure XXXX. Its not right and something need to be done with their unprofessionalism and be held responsible for causing me harm to my credit report by not correcting the inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I ordered an item from XXXX XXXX for {$150.00} on XX/XX/2022, which due to problems on the vendor 's end was never shipped. I first attempted to go through XXXX 's to resolve the problem. They offered to resend the item, which unfortunately also did not happen. Ultimately, I asked for a refund, and XXXX 's agreed to this plan. 

When this refund was never sent, I asked Chase as my credit card issuer to help resolve the problem. Their initial investigation ruled my transaction as valid, but they notably did not ask for me any documentation during this initial investigation. 

I then requested a re-dispute. Despite giving multiple sources of documentation ( including shipping details, and emails between myself and XXXX 's ), they again ruled the transaction as valid. They did not give any details why the emails were not considered valid proof of the vendor 's agreement to refund my charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX, XXXX, and Equifax continues to report inaccurate information on my credit report for the account listed listed below. 

XXXX XXXX XXXX : Account number XXXX. 

I do not recognize nor understand the form of reporting of this account. This account has historically and continues to report inaccurate and inconsistent information to all 3 bureaus.

1. The company is fraudulently reporting last payment date of XXXX XXXX. Last payment was XX/XX/XXXX. 

2. The company has reported inconsistent payment statuses across all three bureaus.

3. The company has reported payments while the account is in charge off status. Last payment on XXXX shows as XXXX XXXX with a close date of XX/XX/XXXX. The company also shows " Times 30/60/90 days late 0/0/0 ''. On XXXX, the account was charged on XX/XX/XXXX. On Equifax, there is payment history. The account has been closed, reopened, and placed in 30,60, and 90 late statuses.

4. The company is reporting the account on my family 's credit report.

5. The company is reporting payment history to Equifax for the year XXXX, while also showing CO status on XXXX during the same time. The balance also continues to fluctuate. 
1. XXXX XXXX days late : Balance {$12000.00} 2. XXXX XXXX- 60 days late : Balance {$12000.00} 3. XXXX XXXX Closed : Balance {$12000.00} 4. XXXX XXXX Closed : Balance {$12000.00} 5. XXXX XXXX Closed : Balance {$9400.00} 6. XXXX XXXX Closed : Balance {$9400.00} 7. XXXX XXXX Closed : Balance {$9400.00} 8. XXXX XXXX days late : Balance {$9400.00} 9. XXXX XXXXClosed : Balance {$9400.00} 10. XX/XX/XXXX - Closed : Balance {$9400.00} 11. XX/XX/XXXX - 30 days late : Balance {$9400.00} I demand the account be removed from credit report immediately. I do not authorize the reporting of this tradeline. It has damaged my credit report since XXXX with its erroneous reporting. XXXX, Equifax, and XXXX have failed me as a consumer, and has not operated in good faith and according to FCR and FTC rules and regulations regarding accurate reporting of information. I have been disputing the accuracy of the reporting of this account for years, and the credit bureau does nothing to ensure accurate reporting. Instead accusing my disputes as being frivolous to avoid investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian, XXXX, and XXXX continues to report inaccurate information on my credit report for the account listed listed below. 

XXXX XXXX XXXX  : Account number XXXX. 

I do not recognize nor understand the form of reporting of this account. This account has historically and continues to report inaccurate and inconsistent information to all 3 bureaus.

1. The company is fraudulently reporting last payment date of XXXX XXXX. Last payment was XX/XX/XXXX. 

2. The company has reported inconsistent payment statuses across all three bureaus.

3. The company has reported payments while the account is in charge off status. Last payment on XXXX shows as XXXX XXXX with a close date of XX/XX/XXXX. The company also shows " Times 30/60/90 days late 0/0/0 ''. On Experian, the account was charged on XX/XX/XXXX. On XXXX, there is payment history. The account has been closed, reopened, and placed in 30,60, and 90 late statuses.

4. The company is reporting the account on my family 's credit report.

5. The company is reporting payment history to XXXX for the year XXXX, while also showing CO status on Experian during the same time. The balance also continues to fluctuate. 
1. XXXX XXXX days late : Balance {$12000.00} 2. XXXX XXXX- 60 days late : Balance {$12000.00} 3. XXXX XXXX Closed : Balance {$12000.00} 4. XXXX XXXX Closed : Balance {$12000.00} 5. XXXX XXXX Closed : Balance {$9400.00} 6. XXXX XXXX Closed : Balance {$9400.00} 7. XXXX XXXX Closed : Balance {$9400.00} 8. XXXX XXXX30 days late : Balance {$9400.00} 9. XXXX XXXXClosed : Balance {$9400.00} 10. XX/XX/XXXX - Closed : Balance {$9400.00} 11. XX/XX/XXXX - 30 days late : Balance {$9400.00} I demand the account be removed from credit report immediately. I do not authorize the reporting of this tradeline. It has damaged my credit report since XXXX with its erroneous reporting. XXXX, XXXX, and Experian have failed me as a consumer, and has not operated in good faith and according to FCR and FTC rules and regulations regarding accurate reporting of information. I have been disputing the accuracy of the reporting of this account for years, and the credit bureau does nothing to ensure accurate reporting. Instead accusing my disputes as being frivolous to avoid investigation.

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 2023-05-27 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: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
From the months of XXXX of 2021 I was in transition of jobs got diagnosed with XXXX and fell behind on everything as a single man. When I spoke with the rep/ debt collector via phone call he stated that we could place a freeze on the card to prevent further transactions and as long as I was able to make the agreed upon payments and became current they would remove the late payments. I held up my end of the deal and Im having a hard time getting the team to remove those 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 2023-05-27 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: CA

Complaint narrative:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on 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 2023-05-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DEPT OF EDUCATION/XXXX XXXX Balance : {$5900.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$5800.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$3900.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$350.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} DEPT OF EDXXXX XXXX Balance : {$1100.00} DEPT OF EDXXXX XXXX Balance : {$5900.00} DEPT OF ED/XXXX XXXX Balance : {$3900.00} DEPT OF EDXXXX XXXX Balance : {$1900.00} DEPT OF ED/XXXX XXXX Balance : {$3000.00} DEPT OF EDXXXX  XXXX Balance : {$5800.00} DEPT OF EDXXXX XXXX Balance : {$9300.00} DEPT OF EDXXXX XXXX Balance : {$10000.00} DEPT OF EDXXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$18000.00} DEPT OF ED/XXXX XXXX Balance : {$1100.00} DEPT OF ED/XXXX  XXXX Balance : {$5900.00} DEPT OF EDXXXX XXXX Balance : {$3900.00} DEPT OF EDXXXX XXXX Balance XXXX {$1900.00} DEPT OF EDXXXX XXXX Balance : {$3000.00} DEPT OF EDXXXX XXXX Balance : {$5800.00} DEPT OF ED/XXXX XXXX Balance : {$9300.00} DEPT OF ED/XXXX XXXX Balance : {$10000.00} DEPT OF EDXXXX XXXXXXXX Balance : {$350.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have written to this company several times throughout the years, the last letter was mailed out on XX/XX/XXXX via certified mail. I have been a Banana Republic card holder since XX/XX/XXXX and have never paid late. According to my credit reports, it shows XXXX late payments XXXX on XX/XX/XXXX and the other on XX/XX/XXXX. The late payments were due to temporary job loss and it was only for XXXX day due to the late arrival of the United States Postal Service. I have pleaded with the company via phone as well but to no avail. I am trying to purchase a home, therefore, these negative items are affecting my credit score. I would greatly appreciate you looking into if further and I look forward to hearing a positive outcome.

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 2023-05-27 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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There are unauthorized and fraudulent inquiries made to my report and I believe I am a victim of identity theft and these inquiries have fraudulently been made to my credit and needs to be removed immediately XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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

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