vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I HAVE NEW AN UPDATED INFORMATION I will like to know who did you interview to investigate my consumer report because it can only be with neighbors, friends, or associated of the consumer and such information shall not include specific factual information on a consumers credit record obtained directly from a creditor. 
I will like for your company to do as I say and to pay remedy for your company committing fraud 15 USC 1681a ( q ) ( 3 ). EXPERIAN has committed identity theft this information must be removed ( XXXX XXXX XXXX XXXX XXXX ). Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) Reported information can not be only transactions and experiences between the consumer and the creditor.

Pursuant to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Pursuant to 15 USC 1681q Obtaining information under false pretenses any person which includes an organization such as EXPERIAN who willfully and knowingly obtains information on a consumer from anther consumer reporting agency without written instructions or authorization pursuant to 15 USC 1681b is information obtained under false pretenses. I XXXX XXXX the ( consumer ) did not give written instructions or authorization. 

15 USC 1681n ( a ) ( 1 ) ( A ) Willful failure to comply with any requirement under the FCRA is damages up to {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I paid my credit card debt down below the recommended 30 % and Trans Union lowered my credit score by XXXX points. All other credit reporting agencies raised my score by more than XXXX points. Contacting Trans Union did no good. I got the same lame explanation in a continuing circle " you still have a balance on three cards ''. My current combined balances are at 24 % down from more than 50 % which should have increased my credit score across the board and it did everywhere except Trans Uniion!

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 2022-04-13 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 following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX 2. Us Sm Bus Admin Oda XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/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 2022-04-13 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 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 2022-04-13 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 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 2022-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nickel City Group LLC
State: AZ

Complaint narrative:
I sent them a letter requesting the following : The only method of communication to me from you is the mail, please no calls or emails. 
On XXXX XX/XX/2022, XXXX they called me at work! 
I just need to be treated fairly! 
I never received anything in writing from them regarding the debt, I check all mail as I get it and nothing.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: MI

Complaint narrative:
XX/XX/XXXX, XXXX XXXX pulled my Equifax credit report, the Equifax credit report has on the first page of my credit report Fraud Victim " Extended Alert '' under the Credit File Status. 
XX/XX/XXXX, I called and asked for the information to be removed from my credit report, the investigation was completed on XX/XX/XXXX, Yet, I have not received an updated report which verifies the removal. 
XXXX XXXX has pulled my credit report several times and contacted Equifax directly through their number for business issues, we have both continually been told, the credit report was updated. XXXX XXXX is the mortgage processor for XXXX XXXX  XXXX XXXX. Report pulled : XX/XX/XXXX, XXXX, and XX/XX/XXXX. 
Fraud Victim " Extended Alert '' still on first page of Equifax credit report. 
I call again on XX/XX/XXXX, received confirmation # XXXX from Equifax representative, I was told by employee name-XXXX, id # XXXX, that I would receive confirmation of removal to my email address within 24-48 hours. I HAVE NOT RECEIVE ANY CONFIRMATION OF REMOVAL. 
I called again on today, spoke with XXXX, id # XXXX, I asked to speak with a supervisor and was on hold for over 2 hours, XXXX just came back to the phone and repeated the same thing, the Fraud Alert was removed. 
I pulled my credit report on XX/XX/XXXX Annual Reports, the first page still shows under Credit File Status : Fraud Victim " Extended Alert ''. 
My credit report under My Equifax, still show the Fraud Victim " Extended Alert '' on the credit summary page, but indicates that there is no Fraud Alerts. 
I send a certified letter to Equifax requesting the removal, I still have not received a return report. 
I requested a letter from Equifax confirming the removal, so I could send to the Mortgage processor, I still have not received a letter or any type of confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here is the detail : Chapter XXXX Bankruptcy / XXXX / {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Lots of corruption and organized crime in America. What happened? I think the gov. already knows what happened. Why the gov. so XXXX  lame these days?

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 2022-04-13 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: IN

Complaint narrative:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here is the detail : Chapter XXXX Bankruptcy / XXXX/ {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 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 following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Account XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am deeply upset about the erroneous items found on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. If everything is not reporting 100 % accurate it 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 non-monetary relief
Consumer complaint received 2022-04-13 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: TX

Complaint narrative:
FRCA Violation credit cards late payment XXXX FRCA Violation XXXX loan late payment XXXX XXXX FRCA Violation XXXX XXXX loans late payments XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FRCA Violation inquiries XXXX XXXXXXXX NA XXXX XXXX XXXX  FRCA Violation personal information XXXX XXXX  XXXX CT XXXX, TX 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 2022-04-13 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: TX

Complaint narrative:
FRCA Violation credit cards late payment XXXX FRCA Violation XXXX XXXX late payment XXXX XXXX FRCA Violation XXXX XXXX loans late payments XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX FRCA Violation inquiries XXXX  XXXX NA XXXX XXXX XXXX  FRCA Violation personal information XXXX XXXX XXXXXXXX CT XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: TX

Complaint narrative:
I have been using Cash App for years now and Ive never known a more corrupt or unprofessional company than this one. For a company that was made to send and receive payments it sure is very difficult to do so. I havent had any issues for a long time and now all of a sudden they are closing my account and wont let me send anything for my protection. I am the person running my own account and I would just like to know what sense it makes to not allow your customers to do exactly what your company was made to do. Not to mention they are stealing money from their customers. I have family and friends that I send various amounts to for various reasons and its simply unfair to flag them all. XXXX will always be the way to go but unfortunately not everybody uses XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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:
The Fair Credit Reporting Act outlines the rights that Identiy Theft Victims and those who believe they are victims have the RIGHT to BLOCK FRAUDLENT INFORMATION FROM THERE CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT BLOCK AND REMOVE THESE TRANSUNION FRAUDLENT HARD INQUIRIES XX/XX/2022 XXXX  XXXX XXXX Transunion

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 2022-04-13 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:
Im accordance with the Fair Credit Reporting act XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 Section 602 A States I have a right of privacy.

15 USC 1681 604A 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 2022-04-13 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:
Im accordance with the Fair Credit Reporting act Upgrade # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 Section 602 A States I have a right of privacy.

15 USC 1681 604A 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 explanation
Consumer complaint received 2022-04-13 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
information belongs to someone else

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 2022-04-13 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 with the Fair Credit Reporting act XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX Account 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 an 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 explanation
Consumer complaint received 2022-04-13 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 following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXXXXXX XX/XX/XXXX 5XXXX XXXX XXXX XXXXXXXX XXXX XXXX 6. XXXX  XXXX  XXXX XXXX XX/XX/XXXX Inquiries 1. XXXX  XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX  XX/XX/XXXX 5. XXXX  XXXX XX/XX/XXXX 6. XXXX  XXXX XX/XX/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 2022-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
BSI Financial is not timely responding to requests for information regarding the status of applications for mortgage assistance. We have mad several attempts to contact their office but their voicemail requests that we leave a message that will be returned which hasn't happened. The online account workout status has not updated the information we submitted over two weeks ago. The email message response only says we're processing it with no specific information regarding the status.

Company response to consumer: Closed with explanation