vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Today is XX/XX/XXXX. I'm following up about my credit report. 
On XX/XX/XXXX I was checking my credit report. I noticed unrecognized collections on my credit report from ; XXXX ) I.C SYSTEM, INC XXXX, XXXX ) XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX, and XXXX ) XXXX XXXX XXXX XXXX XXXX ) I.C. SYSTEM, INC XXXX about a High Credit balance of XXXX. I have no business with I.C. System, Inc. My original creditor is : XXXX XXXX XXXX I never gave permission for my information to be improperly shared. I want this account removed off my credit report XXXX ) XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX. My original creditor is : XXXX I never gave permission for my information to be improperly shared. I want this account removed off my credit report XXXX ) XXXX XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX XXXX. My original creditor is : XXXX. I never gave permission for my information to be improperly shared. I want this account removed off my credit report. 

XXXX ) XXXX XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX. My original creditor is : XXXXXXXX XXXX XXXXXXXX never gave permission for my information to be improperly shared. I want this account removed off my credit report. 

The list of accounts above are unrecognized and, in violation of my consumer rights to privacy and confidentiality.In accordance to fair credit reporting 15 U.S.C 1681 Section 602 A I have the right to privacy and information submitted must be accurate. 15 U.S.C 1681 section 604 A section 2 : Consumer reporting agency can not furnish a account with my written instruction or permission.

15 USC states informaction reported must be accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Today is XX/XX/XXXX. I'm following up about my credit report. 
On XX/XX/XXXX I was checking my credit report. I noticed unrecognized collections on my credit report from ; XXXX ) XXXX XXXX, XXXX XXXX, XXXX ) XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX, and XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX about a High Credit balance of XXXX. I have no business with XXXX. XXXX, XXXX My original creditor is : XXXX XXXX XXXX I never gave permission for my information to be improperly shared. I want this account removed off my credit report XXXX ) XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX. My original creditor is : XXXX I never gave permission for my information to be improperly shared. I want this account removed off my credit report XXXX ) XXXX XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX XXXX. My original creditor is : XXXX. I never gave permission for my information to be improperly shared. I want this account removed off my credit report. 

XXXX ) XXXX XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX. My original creditor is : XXXXXXXX XXXX XXXXXXXX never gave permission for my information to be improperly shared. I want this account removed off my credit report. 

The list of accounts above are unrecognized and, in violation of my consumer rights to privacy and confidentiality.In accordance to fair credit reporting 15 U.S.C 1681 Section 602 A I have the right to privacy and information submitted must be accurate. 15 U.S.C 1681 section 604 A section 2 : Consumer reporting agency can not furnish a account with my written instruction or permission.

15 USC states informaction reported must be accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings.

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 2024-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
They called what they thought to be my spouse and then proceeded to give my information to the person they called including the amount owed, account name and info and told him they would be suing me. When I called to talk to them about them giving any of my info to anyone that I had not put down as my relative I was told they could and then was told they had a lawyer ready to sue me. They called my " spouse '' at XXXXXXXX XXXX on XX/XX/year> and spoke to them about my information for XXXX min XXXX seconds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: MD

Complaint narrative:
Experian has deliberately gone in to avoid my requests for information to be updated and other information to be removed from my account. They have sent multiple emails saying they dont believe this is me however both a copy of a utility bill and my drivers license and social.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I saw that I have an unauthorized credit inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The bankruptcy should not be on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have made some attempts to dispute a specific account under XXXX XXXX with Transunion, XXXX and XXXX and have not gotten a written response. All 3 of the credit bureaus ignore my dispute requests and this inaccuracy is still on my credit report. This account is inaccurately reporting under the payment history : there is missing data, there is inaccurate data and unmatching data and is in violation of the Fair Credit Reporting Act.Under 15 U.S. Code 1681 ( e ) bAccuracy of reportWhenever a consumer reporting agency prepares a consumer report, it shall follow the reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have made some attempts to dispute a specific account under XXXX XXXX with XXXX, Equifax and XXXX and have not gotten a written response. All 3 of the credit bureaus ignore my dispute requests and this inaccuracy is still on my credit report. This account is inaccurately reporting under the payment history : there is missing data, there is inaccurate data and unmatching data and is in violation of the Fair Credit Reporting Act.Under 15 U.S. Code 1681 ( e ) bAccuracy of reportWhenever a consumer reporting agency prepares a consumer report, it shall follow the reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Dear sir, Subject : XXXX XXXX XXXX second review Claim. 
Previous number XXXX There was an unusual transaction on my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. I contacted my bank ( Navy Federal credit union ) concerning the above subject. They refunded some of the money and they left some XXXX tourched and a few days ago, they sent a messaged to me that I have no claimed. I re-filed the claim again. Up till now I did not receive any feedback from the Navy Federal credit union. 
The transaction details are XX/XX/year>, : XXXX ) XXXX = XXXX XXXX ) XXXX = XXXX XXXX ) XXXX = XXXX XXXX ) XXXX = XXXX XXXX ) XXXX = XXXX XXXX ) XXXX = XXXX XXXX ) XXXX = XXXX XX/XX/year> XXXX ) XXXX = XXXX XXXX ) XXXX = XXXX XXXX XXXX XXXX XXXX ) XXXX = XXXX XXXX oil XXXX X XXXX = XXXX dollars, this amount was refunded back to the account only XX/XX/year> XXXX XXXX & XXXXXXXX XXXX XXXX XXXXXXXX dolllars XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX dollars XXXX XXXX dollaes. 

I received the message below from XXXX XXXX credit unions and I was told to provide the following answer as below : 1 ) I believed my claim should be honored because there was unusual activities on my account, they used my debit card to ordered items XXXX times on XX/XX/year> which is not normal ( bank can look into my account statement ). 
XXXX ) My card was on my possession when the fraud occurred. 
XXXX ) i dont know how my card information was obtained because my debit card was on my possession. 
XXXX ) My debit card is not lost or stolen. I XXXX '' t know any person that did the fraud. 
XXXX ) I had never allow any one to use my debit card. 
XXXX ) I never received any merchandize from the marchant. 
XXXX ) I did not authorize anyone in the charge. 
thank you, XXXX XXXX XXXX Federal Response XX/XX/year> : Thank you for contacting XXXX XXXX regarding the Debit card fraud claim submitted on XXXX on your Debit card ending in XXXX for the amount of {$400.00}. Based on a thorough investigation of your account activity, we have determined that no error has occurred. 

I would be grateful if the investigation can be carried out as quickly as possible. 

with thanks and regards, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am without prejudice the Agent AND NAME HOLDER grantor Beneficiary heir FOR XXXX XXXX XXXX AUTHORIZED TO MAKE THIS COMPLAINT IN GOOD FAITH FOR TRUTH IN COMMERCE AND EQUITY. THIS IS NOT A DUPLICATE COMPLAINT ANY COMPLAINTS MARKED DUPLICATE SHOWS CONSPIRACY TO DEPRIVE RIGHTS. Today got a credit monitor alert stating account reported as delinquent when account is not delinquent or in default. XXXX XXXX XXXX XXXX IS IN DISHONOR AND HAVE FAILED ITS FIDUCIARY DUTIES, XXXX XXXX XXXX XXXX HAS STOP MY ACCESS TO THE ACCOUNT BUT HAS BEEN USING IT FOR PERSONAL GAIN, XXXX HAS MADE PERSONAL CHARGES TO THE ACCOUNT. We dont have access to our own credit but XXXX  get to use it as it please. Whos protecting the rights and interest of the people from dishonor, corporate corruption and securities fraud?

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I obtained a copy of my consumer report and identified an item that I wish to dispute. I have experienced emotional distress as a consequence of this issue, and I have recently experienced XXXX  XXXX. As a result, I am demanding that this matter be resolved in a fair and equitable fashion, which has not yet occurred. I clearly never gave this agency written authorization or written instructions to report this information, This agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-05-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
In XXXX I filed for XXXX XXXX, XX/XX/XXXX, Due to XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX Bankruptcy in XXXXDuring the XXXX process, all my credit debt had to be listed. My partner and myself had leased a XXXX XXXX XXXX using Ally Financial Bank. We had 6 months til end of lease. The amount we owed was {$2000.00}. the payment schedule for my XXXX didn't begin until XXXX because of an oversight by my attorney. My Partner didn't want to have his credit harmed by my XXXX so he paid all payments due and we returned the XXXX  to the dealership XXXX XXXX, XXXX and paid a closing fee of {$410.00}. In XXXX he received another statement from Ally stating he owed another $ XXXX paid Ally and thought that was the termination of what was due. However, when I accessed my XXXX on the XXXX website ( XXXX ) I found that Ally Bank was one of the creditors receiving monies from my payment schedule. I notified my Attorney that my partner had paid all funds required by Ally, but he did not reply or give any advice. 
A similar process occurred with XXXX XXXX XXXX XXXX XXXX. XXXX has a cross collateral contract that states that a car loan from XXXX must be attached to the credit card amount we owed. Again, since the XXXX payment was later than the XXXX  payment date, my partner to pay what ever interest accrued each month before the payment date of my XXXX. XXXX payment stayed the same.However, when the car amount ( though it was triple of what we owed ) was completely, paid XXXX would not give my partner the title for the car. This caused monetary stress and XXXX for myself and partner.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XXXX  I went to bed with XXXX XXXX  woke up and I only had XXXX in my account I went and tried to talking to the. And multiple time about where is my money they were very rude and I still have gotten it back or even a call about how they will resolve this issue

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