vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-29 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: WI

Complaint narrative:
On or around XX/XX/2021 a fraudulent secured loan was opened in my name at XXXX XXXX XXXX XXXX. I have made several attempts to resolve this matter but this bank continues to report this fraudulent account to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: WI

Complaint narrative:
On or around XX/XX/2021 a fraudulent secured loan was opened in my name at XXXX XXXX XXXX XXXX. I have made several attempts to resolve this matter but this bank continues to report this fraudulent account to the 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 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I previously disputed the attached XXXX  XXXX Bankruptcy # XXXX, with TransUnion Credit Bureau, and in response they VERIFIED this account to be ACCURATE. They verified the information with the court. See EXIHIBIT ( A ). 

I contacted the US Bankruptcy Court, and their response is attached. See EXHIBIT ( B ). 

It is clear that courts DO NOT report to TransUnion or ANY credit reporting agencies for that matter ; therefore, TransUnion 's original response verifying this item with the court was either an error or a lie. 

I specifically requested their METHOD OF VERIFICATION, pursuant to the Federal Fair Credit Reporting Act 611 ( a ) ( 7 ), TransUnion failed to provide that information. 

It is a FACT that bankruptcies are filed with the courts, and NOT with the credit bureaus. It is a FACT that credit bureaus purchase consumer information from third parties. See EXHIBIT ( C ) Courts are NOT the furnishers of information. TransUnion 's results would be considered FALSE REPORTING, which is a direct violation of the FCRA 611 ( 15 USC section 1681 ) and this information must be DELETED immediately.

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 2022-10-29 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2022-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I have a XXXX bill on my credit report that does not belong to me I contacted southwest XXXX and told them that this is not my account and they still will not remover it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: CA

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected rights under15 U.S.C. XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. account. # XXXX In accordance with the fair credit act and XXXX account # XXXX and # 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 .In accordance with the fair credit reporting act my rights have been violated and I want these accounts removed not posted as closed 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 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: WA

Complaint narrative:
Today, XXXX I received an email notice from XXXX XXXX about changes in it's privacy policy and extension of it to it's parent company XXXX. 

The changes are extensive and invasive, including but not limited to : * Device camera access * Device biometric data * Contact data * Data sharing with all XXXX platform partners, but no enumeration, limit or transparency as to what that constitutes. 

The email contains no opt out link, and the link to modify ones data settings redirects to try to install their application on mobile, which in turn attempts to gain the invasive camera, biometric, contact and general scraping of XXXX from the device. 

If the link is executed from a device they don't have an application for, it goes to their site where you can login, recover whatever sense of account they have for you if unknown, or create a new account. 

In my case, the account was created as part of consenting to a credit report background check for a rental agreement in XXXX 

Buried 3 links in, there is a button to limit some data collection by clicking an opt out button. 

There is no definition of what is and is not limited provided. There is no definition of their opt out in either their terms of service, or their privacy policy rendering it meaningless. 

The privacy policy and XXXX describe being able to delete your data, but the only data deletion option ( likewise 3 clicks deep ) is to delete your public user content on their site forums and reviews. 

Any attempt to modify the existing data they have for you to effectively remove it by changing it to nonsense throws a " we know that's not your name, if you've legally changed your name mail us here '' error. 

This is a violation of the Fair Credit Reporting Act, and by using their privacy notice email to deceptively market their mobile apps without any recourse to actually decline consent to the policy change with no marketing opt out link, they are also violating XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I want the company to cease and desist all communication including reporting to the consumer reporting 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 explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received finance for {$1100.00} from myfd Healthcare Finance Direct. Our contract was for $ XXXX direct pay. The lender automatic deduct the monthly payment from my bank. On XX/XX/XXXX, I overpaid Healthcare Finance by {$5.00} / $ XXXX before the length of the loan. They website showed that I paid in full. However, their rep constantly called me day and night and emailed me bills every month stating that I still own them money. I called and explained to avail. they still stated that I own them and keep billing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: IL

Complaint narrative:
Unauthorized illegal theft altering identity with credit reporting agencies. Violated my rights as a Consumer of my privacy. With out my consent. I gave no written permission instructions for identified transactions on consumer report. I am requesting identified transactions of information be blocked and deleted. This is my request as the consumer. 
You are required to do what I am asking and block these transactions from being reported to my consumer report with in ( 4 days ) from the date of the receipt of this Notice. I look forward to your response. 
Thank you, 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 explanation
Consumer complaint received 2022-10-29 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: CA

Complaint narrative:
XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX These are the accounts that I have sent out letters to to the bureau to correct the situation and I have gotten back updated letters when it is inaccurate information on my account as well as fraud. ) 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 2022-10-29 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: CA

Complaint narrative:
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX These are the accounts that I have sent out letters to to the bureau to correct the situation and I have gotten back updated letters when it is inaccurate information on my account as well as fraud. ) 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 explanation
Consumer complaint received 2022-10-29 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: PA

Complaint narrative:
I submitted a former complaint dated XX/XX/22. In the report this credit bureau has stated that the debts are verified. I'm requesting proof that the debt is myself. I have submitted a complaint about fraud on my accounts. I also have placed security freezes on my accounts to prevent future fraud. This company has failed to prove that it was I who owe this debt. Please provide proof that the disputed companies from the last complaint were indeed my debts. My credit report is full of inaccuracies. There are incorrect amounts of debt owed, incorrect dates, incorrect account numbers. I would like a full audit of my credit report. It has been reported recently that investigations for credit complaints are not done properly. I'm requesting a full audit of my credit report. I'm also requesting proof of debt. This would mean a hard copy of any documentation I signed with dates and proof these debts were indeed taken out by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: LEXISNEXIS
State: NY

Complaint narrative:
XX/XX/2019, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Good afternoon, XXXX I transferred funds in the amount of XXXX XXXX dollars for registration of ownership in the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  for object XXXX in XXXX  XXXX XXXX from XXXX XXXX ( buyer ). The transfer was carried out through the XXXX XXXX XXXX XXXX XXXX XXXX ). The transfer was made to XXXX XXXX XXXX account ( XXXX XXXX  XXXX ) XXXX. 
Due to the sanctions imposed on XXXX XXXX the money did not reach the recipient and hung in the correspondent bank. 
JPMORGAN CHASE BANK , N.A . 
XXXX XXXX Please confirm that the money is in your correspondent account. 
I need confirmation to unlock the funds. 
I need to return this money to my account in another bank or credit it to the recipient 's account. 


Payment Details Date of receipt..... : XXXX XXXX XXXX XXXX ID of the receipt...... : XXXX Payment document ID : XXXX XXXX.......... : XXXX Type of service...... : 1 Date/time comp.and shift : XXXX The compiler 's XXXX.... : XXXX JPMORGAN CHASE BANK , N.A . Status code...... : XXXX Payment pending The reason code...... : XXXX Funds can not be credited The currency of the payment amount.. : XXXX  XXXX DOLLAR The amount of the payment..... : XXXX XXXX XXXX currency..... : The conversion rate.... : XXXX : Message reference. : XXXX XXXX : Reference link.message. : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: AL

Complaint narrative:
I Went to To Car Dealership, They Told Me They Would Run Credit Once and It Was Ran Several Times. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30 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: TX

Complaint narrative:
When I performed a name search on the Internet, I learned that some of my personal data was being used without my consent. As a result, I filed a complaint. My information was collected by an aggregator website, which instructed me to contact around nine different websites in order to have it removed after checking the website 's FAQ section first. In addition to feeling violated since I value my privacy, having to ask to have my possessions taken made me feel ashamed. My report contains unapproved fraudulent accounts, and I would like such accounts to be terminated and fixed. Take away all inaccurate and negative accounts from my credit report. My capacity to get credit has been harmed by this. I'm making every effort.

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 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Over the last several weeks we have had multiple mortgage companies try and get our credit score from Equifax for a loan. All of the mortgage companies have stated they were not able to get the score, thus not allowing us to purchase a new home. Equifax was contacted on two different occasions and both times I was told there was no hold or freeze on the account. I have researched and this is not the first time that Equifax has been accused of this. This is a very time sensitive issue that needs to be addressed and corrected immediately. 

This is a violation of our consumer rights and I would appreciate your prompt actions as soon as possible. Again this is a time sensitive problem that needs to be fixed. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I Went to To Car Dealership, They Told Me They Would Run Credit Once and It Was Ran Several Times. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I Went to To Car Dealership, They Told Me They Would Run Credit Once and It Was Ran Several Times. 

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