vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Month of XX/XX/2022 disputed bankruptcy case and was not given proper investigative report in regards to the proper procedure of investigation in the decision making of verification and who reported bankruptcy was just told the court reported, After a written lettter to the United States Bankruptcy court XXXX XXXX XXXX XXXX Wisconsin XXXX XXXX XXXX XXXX U.S. Bankruptcy Court in which I requested information regarding the court process or procedure for reporting information to credit agencies. I was made aware by XXXX XXXX XXXX. That the court for the XXXX XXXX of Wisconsin does not report to any credit agencies.

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 2022-10-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Month of XX/XX/2022 disputed bankruptcy case and was not given proper investigative report in regards to the proper procedure of investigation in the decision making of verification and who reported bankruptcy was just told the court reported, After a written lettter to the United States Bankruptcy court XXXX XXXX XXXX XXXX Wisconsin XXXX XXXX XXXX XXXX U.S. Bankruptcy Court in which I requested information regarding the court process or procedure for reporting information to credit agencies. I was made aware by XXXX XXXX XXXX. That the court for the XXXX XXXX of Wisconsin does not report to any credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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 — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/2022, a purchase was made at XXXX XXXX XXXX for {$170.00} on my PayPal Business Debit Mastercard ending in XXXX. I created a dispute of this transaction with PayPal on XX/XX/2022 stating it was an unauthorized use of my card. PayPal canceled my card ending in XXXX and issued me a new one with a new account number. On XX/XX/XXXX, PayPal denied the case, stating the purchase was successfully made at the gas pump. I called PayPal to appeal the decision, and the person I spoke with agreed it appeared to be unauthorized as the gas station where the purchase was made is in XXXX XXXXXXXX, XXXX and I had made a purchase that same day at a XXXX 's in XXXX, XXXX  He said he was reversing the decision and I'd see the refund in 10 days. However, on XX/XX/2022, I received another email denying the case again, stating it was consistent with my PayPal purchase history, so it is not considered unauthorized. I've attempted to call them twice since, and get transferred several times and then end up on hold for 30+ minutes before I inevitably give up waiting. I have emailed the appeals team asking for their documentation, and am awaiting that information now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-26 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: OH

Complaint narrative:
In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name # XXXX, Account name # XXXX, Account name XXXX, Account name XXXX XXXXXXXX XXXX XXXX XXXXXXXX name # 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call 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 2022-10-26 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 one of my numerous attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 2022-10-26 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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 — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XX/XX/2022 PNC banks associates did a unauthorized use on my credit card violations statue 15 USC 1602 15 USC 1601

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Company has inaccurate addresses on my credit report. Has tried to have them removed on numerous occasions. Company still has them listed even with me sending them proof of correct address. I have attached the wrong addresses as well as proof of my current and only address that should be on report. Would like all old addresses 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 2022-10-26 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Company has inaccurate addresses on my credit report. Has tried to have them removed on numerous occasions. Company still has them listed even with me sending them proof of correct address. I have attached the wrong addresses as well as proof of my current and only address that should be on report. Would like all old addresses 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 2022-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The Situation : As I was checking the credit report assigned to me by the XXXX XXXX XXXX and taking steps to see what I can do to build it, I noticed an account that was not mine. The name of the creditor who says I am in debt to them is XXXX. As spelled on my Equifax report. According to the Fair Credit Reporting Act, 15 U.S. Code. 1681 Section 609 ( a ) ( 1 ) ( A ), Equifax is required, through the physical verification of the original signed consumer contract, all accounts a creditor posts on a consumer 's credit report. Equifax failed to do that. Equifax is in violation also of Uniform Commercial Code 15 U.S. Code 1681b which states, " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates, as I did not give them permission to furnish a credit report concerning this account. As mentioned above this account was not furnished by me to begin with. This fraudulent account has caused me time, money, and emotional strain in getting it removed as I have tried methods before reaching out to the CFPB for help and coming across Uniform Commercial Codes that protects me as the consumer. I paid for XXXX XXXX credit cleaning services to dispute the account. Once I received correspondence back from XXXX they said they did their due diligence in proving I established this account with my credit. As stated in the law, XXXX was supposed to provide me with the physical original consumer contract, with my signature, and forensic accounting to validate the debt. They failed to do that. I called XXXX once I was educated through the law about credit reporting practices established by the government. Upon calling one of the representatives was unable to even locate the account that the company sent to Equifax to furnish on my XXXX XXXX  Credit Report. I asked why and she was unable to tell me. I asked for it to be removed and the rep was very rude to me. I am now here seeking justice for being wrongfully treated by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: MO

Complaint narrative:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX MO ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/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 2022-10-26 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: MO

Complaint narrative:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX  XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX MO ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: MI

Complaint narrative:
In accordance with the Fair Credit reporting Act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Account No : XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX  # XXXX XXXX  XXXX BANK # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 USC 1681 section 602 A Section 2 .

States I have a right to privacy 15 USC 1681 section 604 A Section 2 Also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containg any of the followering items of ingormation.any other adverse items of information other than records of conviction of crimes which antidotes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable case to belived 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 2022-10-26 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: MI

Complaint narrative:
In accordance with the Fair Credit reporting Act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Account No : 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 BANK XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 USC 1681 section 602 A Section 2 .

States I have a right to privacy 15 USC 1681 section 604 A Section 2 Also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containg any of the followering items of ingormation.any other adverse items of information other than records of conviction of crimes which antidotes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable case to belived that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have repeatedly asked my mortgage company to report my perfect payment history since Ive had this loan ( 2011 ) when it was transferred/boughten by this current company all reporting ceased. Ive never Missed a payment or been late. Im the primary on the loan, however my ex husband is getting all the perfect payments history reported on his report monthly, which is fine ( we are both on the loan ) however I should most certainly be getting the reports of perfect payments since Im The one making them and I own the home.

The last communication with mortgage lender was today and I did as they asked, pulled my 3 bureau report and they are nowhere on that report. 

I Just keep getting the runaround with them.

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 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter on the credit bureaus on XX/XX/22 requesting the credit bureaus to remove the bankruptcy reporting on my credit profile. I know for a fact that the courts do not communicate with the credit bureaus so how are they able to verify this as accurate. They are reporting unverified information.

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 2022-10-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
M & T and XXXX XXXX are attempting to foreclose ob my home with fraudulent robo signed assignments. m & T refused to respond to my QWR, dispute and the debt validation. I request a loan modification i mailed in the documents and a week later i received a notice of foreclosure .This clearly dual tracking. I only owe {$100000.00} on my loan and my house is valued at XXXX. the are attempting to foreclose on my for less than {$7000.00}

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 2022-10-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX acct # XXXX **** 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 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 2022-10-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX  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 has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation