vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2024-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XXXX/XXXX/2023, XXXX Date of Inquiry XXXX/XXXX/2023, XXXX  Date of Inquiry XXXX/XXXX/2023, XXXX XXXX Date of Inquiry XXXX/XXXX/2023, XXXX XXXX  Date of Inquiry XXXX/XXXX/2023, XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/2023 & XXXX XXXX Date of Inquiry XXXX/XXXX/2023

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 2024-01-25 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XXXX/XXXX/2023, XXXX Date of Inquiry XXXX/XXXX/2023, XXXX  Date of Inquiry XXXX/XXXX/2023XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/2023, XXXX XXXX  Date of Inquiry XXXX/XXXX/2023, XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/2023 & XXXX XXXX Date of Inquiry XXXX/XXXX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
1. Theyre attaching a {$6500.00} bill to my title from XXXX. It says its a mortgage bill. After research its showing as a finance bill. They cant find it. Ive talk to numerous representatives. They dont have a Michigan office to go into. 
2. After speaking to finance they cant locate the account. They told me to fax it to archives where there is no contact person. I had to fax it. 
3. I asked for a year of payment history for XXXX and they said they had to do a work order which could take a week 4. I faxed the finance department for the old bill and I havent received a response.

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 2024-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
SIGHTING ALL IN ACCURACIES WITH ACCOUNTS ON MY REPORT AS WELL AS THE LAWS CORRESPOND. REMOVE ALL ADDRESSES EXCEPT CURRENT ADDRESS. REMOVE ALL ADDRESSES CONSIDERED 'NON MAILABLE'- PRIVACY ACT 1974. REMOVE ALL CHARGES OFFS. CHARGEOFFS ARE ACONSIDERED A CERTIFICATE OF INDEBTNESS WHICH MEANS IT IS INCOME AND IT MUST BE REMOVED. REMOVE STUDENT LOANS FROM CREDIT CONSUMER REPORT PER THE FAMILY AND EDUCATIONAL ACT OF 1974. ITS ILLEGAL TO REPORT TRANSACTION HISTORY. UPDATE AS PAID AS AGREED. REMOVE PROMOTIONAL INQUIRIIES SUCH AS PREAPPROVALS AND ETC. THE RIGHT TO OPT OUT 15USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: M&T BANK CORPORATION
State: RI

Complaint narrative:
Dear FTC and CFPB, XXXX XXXX XXXX XXXX XXXX XXXX Illegally harassed and hazed XXXX tenant applicants on Housing Urban Development Statistics. 

They have been issued a official complaint number by the Health and Human Services Administration which is illegal for appeal to the Department of Defense. 

They attitudes and disfunctional viewing processes stole information from my bank with M & T, they used lures like saying they tried talking to M & T and they never answered when we never signed an agreement into detail that they are allowed to speak or act on behalf of my finances as they are not entitled to that position ( XX/XX/XXXX Continued ). 

I have a background in Homeland Security, Criminal Courts, Family Court and Superior Court Civil and have never witnessed such a destructive set of individuals they call landlords. 

It is my recommendation Veterans Affairs, Consumer Financial Protection Bureau and IRS XXXX XXXX along with the XXXX before a full census audit against the agency for stealing information through illegal credit reporting screening, which XXXX injured me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

passed Kristen 's Law, which specifies controlled substance delivery resulting in death, carrying a penalty of up to life in prison This chapter focuses on the Hobbs Act ( 18 U.S.C. 1951 ) which prohibits actual or attempted robbery or extortion affecting interstate or foreign commerce. 

Anti-Racketeering Act of XX/XX/1934, which Congress initially passed to combat the use of interstate commerce M & T should have never released information to this company without my permission nor should XXXX be Instigating Housing Applicants from Obtaining Housing in a Reasonable 30-60 Window Period. They are Herby flagged with XXXX XXXX XXXX XXXX under Statue 40-11-5 and prohibited from Contacting XXXX XXXX again for Any Reason ( 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 explanation
Consumer complaint received 2024-01-25 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: EQUIFAX, 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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
Apple Card-GSBank is reporting an unpaid credit card to XXXX on my credit report. I contacted Apple Card and they have no account using my name, address, social security number or phone number. I contacted Goldman Sachs bank that administers Apple Card and they have no account using my name, address, social security number or phone number. I filed a dispute with XXXX and the results of the dispute was that the investigation and my connection to the card was verified and accurate. This cant be true as I have confirmed with both companies that I do not have an account of any kind with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Subject : Dispute Letter - Request for Removal of Incorrect Addresses I am writing to dispute and request the removal of incorrect addresses from my credit report. After reviewing my credit report, I have identified several addresses that are inaccurate and do not belong to me. The correct address that should be associated with my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX XXXX State : MI ZIP Code : XXXX I kindly request that you investigate and remove all addresses that are not the one listed above. 

I understand the importance of accurate information on my credit report, and I believe that the presence of these incorrect addresses is adversely affecting my creditworthiness. I have attached copies of supporting documents, such as utility bills or official letters, to verify my correct address. 

Please conduct a thorough review and promptly update my credit report to reflect only the accurate address mentioned above. I also request written confirmation of the removal of these incorrect addresses once the investigation is complete. 

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this dispute and ensuring the accuracy of my credit report. 

Sincerely, 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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to fair credit reporting act, 609. disclosures to consumers [ 15 u.s.c. 1681g ], you have 30 days to investigate these accounts and delete them if they are not verified correctly from the creditor. I demand a signed contract with my signature in ink from the creditor. I demand the name, account number, the payment terms, the status of the account, the amount past due, the payment amount, the date the account was opened, date of the last activity on the account, and the balance due on the account sent to me. The fair credit reporting act 611. procedure in case of disputed accuracy [ 15 u.s.c. 1681i ] states 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 52 611 - 15 u.s.c. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I DEMAND ALL UNVERIFIED AND INACCURATE INFORMATION TO BE DELETED FROM MY CREDIT REPORT. PLEASE SEND AN UPDATED COPY OF MY CREDIT REPORTS AND THE RESULTS OF YOUR INVESTIGATION NO LATER THAN 5 DAYS AFTER DELETING THE ACCOUNT.

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 2024-01-25 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: EQUIFAX, 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MiraMed Revenue Group LLC
State: NY

Complaint narrative:
On XX/XX/2024, I spoke with a representative and asked her to continue all communications via mail, I would like to no longer be contacted via phone. Since that date, I have received a phone call every day, at least once sometimes twice a day. I spoke to someone today, letting her know the same thing. That I do not want any more phone communication with this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Why do these two reports have different scores, look at the dates on report, this score from XXXX XXXX  was the same last time I applied for credit. The underwriter have a lot to do with this. Because I didn't have the down payment that they wanted, could not get vehicle. When are the car dealers going to go by the CFPB rules. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
UPDATE FIRST AND LAST NAME REMOVE ALL ADDRESSES EXCEPT CURRENT ADDRESS. REMOVE ALL ADDRESSES CONSIDERED NON MAILABLE. PRIVACY ACT OF XXXX  CHARGE OFFS IS CONSIDERED AS A CERTIFICATE OF INDEBTNESS WHICH MEANS IT IS INCOME AND CAN NOT BE REPORT TO CREDIT REPORT. IT MUST BE REMOVED. THE LAW STATES THAT IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. UPDATE AS PAID AS AGREED. REMOVE INQUIRIES, HARD, SOFT, PROMOTIONAL, PREAPPROVALS- PER 15USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXXXXXX Date of Inquiry XX/XX/year>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>

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 2024-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DFC Global Corp.
State: TX

Complaint narrative:
I have been contacted by XXXX XXXX on several occasions, each time they call I ask them to provide proof in writing that the debt they are trying to collect is mine. Each time I get we sent an email, I have checked my email accounts and I have never received an email. I asked them to send it to my address on file and they refused. They are currently reporting thus collection to my XXXX and XXXX credit reports and I havent received anything proving that this debt is mine.

Company response to consumer: Closed with explanation