vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 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: TX

Complaint narrative:
TRANSUION is publishing non-compliant account ( s ) on my credit profile and distributing them to 3rd parties and is INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness.

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account ( S ) ; XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX TRANSUNION : XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account ( S ) ; XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXS SM BUS ADMIN ODA XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: GA

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AMND REMOVE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: GA

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AMND REMOVE!

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 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Please delete the following account. They are a violation of my federally protected consumer rights. USC 1681 section 604 section 2 it states a consumer reporting agency can not furnish an account without my written consent. This accounts have violated my consumer rights to privacy and confidentiality under 15 USC 1681.

US Code 1681 a5 no consumer reporting agency may make any consumer report containing any adverse item of information, other than convictions of crimes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are in violation of my rights and hippa Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please delete the following account. They are a violation of my federally protected consumer rights. USC 1681 section 604 section 2 it states a consumer reporting agency can not furnish an account without my written consent. This accounts have violated my consumer rights to privacy and confidentiality under 15 USC 1681.

US Code 1681 a5 no consumer reporting agency may make any consumer report containing any adverse item of information, other than convictions of crimes. 
XXXX XXXX XXXXXXXX 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

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 2022-06-22 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: TX

Complaint narrative:
In accordance with the fair credit reporting act ; XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX & XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX-ACCOUNT NUMBER XXXX 15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 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: TX

Complaint narrative:
In accordance with the fair credit reporting act ; XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX & XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX-ACCOUNT NUMBER XXXX 15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX and Transunion has furnished incorrect information on my credit report. I have tried to resolve the issue several times via phone and letter correspondence. At this point they are in violation of three FCRA laws. Last letter sent was by certified mail on XX/XX/2022. Please see attached for letter, invoices and proof of delivery confirmation. This inaccurate information has caused irreputable damages and each violation is a recoverable fine of {$1000.00} dollars.

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 2022-06-22 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the companies listed below and account numbers, have 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX Account NUmber : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  XXXX, KY XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Account Number : xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MN XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Account NUmber : xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account NUmber : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Account NUmber : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX FL XXXX Phone Number ( XXXX ) XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX CA XXXX Phone Number ( XXXX ) XXXX Account NUmber : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX ( XXXX ) XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX ) XXXX Account Number : 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 2022-06-22 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the companies listed below and account numbers, have violated my rights. 

1

5 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX Account NUmber : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Account Number : xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MN XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX Account NUmber : xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account NUmber : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Account NUmber : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX Phone Number ( XXXX ) XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX Phone Number ( XXXX ) XXXX Account NUmber : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX ( XXXX ) XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX ) XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
It has come to my attention that there is an account reporting on my credit report, that I have no knowledge of. I have contacted XXXX, and they were unable to locate an account under my information that I gave to them. I then disputed this account with the CRAs. The dispute was closed with a status of " updated ''. I don't believe that his account was properly investigated because if it were, the account would have been removed from my credit report as required. 

I noticed that the account 's date of last activity was changed, which is causing even more damage to my credit. Upon further investigation into this account, it appears that creditor or CRAs are reporting vastly different payment information each month, and the payment information is being changed from month to month. In addition, there are currently 3 different date of last activity being reported : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Equifax has been reporting this account as 120 days late for many months, while XXXX and XXXX report it as a collection/charge off. XXXX and XXXX are not even reporting the last payment date. This is negligent reporting on behalf of all parties involved. 

This is incredibly detrimental to my credit and is also a violation of the FCRA. I request that this account be removed from my credit report with all credit reporting agencies and that XXXX cease collection efforts and stop falsely reporting this account to my credit report immediately. I am attaching copies of my credit report showing how the payment information is being reported differently across each CRA as well as from one month to the next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Citi cards did not provide us any appeal documentation or proof of their dispute resolution reasoning. They failed to properly adjunct a dispute with overwhelming proof that we did not receive a service as expected and the product was defective. We provided evidence that supported mis-advertisement to Citi. We also provided proof that we had to purchase the same product from another vendor, because the merchant we had the dispute with on our Citi card was terribly inaccurate and fraudulent. 

-The merchant was offered an opportunity to correct his work and provide the service as advertised, which included providing documentation of comparable vehicle values and correcting errors in his report. He did not correct the errors, did not provide supporting documentation as advertised, and valued our vehicle less than an industry standard market price in spite of providing purchase price documentation. Citi was made aware of this with complete documentation. 

Rather than reversing the dispute Citi asked me to get a refund letter or agreement from the merchant. Obviously, the merchant was refusing to do this in the first place, hence why we had to proceed with the dispute and invoke our protections under the card member agreement for mis-advertised service, a unusable document/work product ( due to errors the merchant refused to correct ), and unethical practices that included no signed credit card authorization receipt by the merchant and citi cards accepting the transaction without properly signed authorization. As you will note, there is no document in the file that indicates I signed for payment on this specific credit card following receipt of this merchants product. I would have refused to pay until he delivered the product that we ordered and signed for. Please review our response for a detailed explanation in the attached documentation titled " evidence letter 2 & evidence letter 3 ''.

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 2022-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
On XX/XX/2022 I review my mortgage statement from Freedom Mortgage Corporation and realize that it had increased in the amount of {$100.00} due to Other/Optional Products XXXX once I contacted the bank they proceed to inform me that this was a home warranty and told me they needed to transfer me to the company so I could cancel it, when I ask why was I enrolled in that product they just transfer me, I spoke with 3 representatives at the company XXXX XXXX XXXXXXXX and they just keep transferring me to someone who could cancel the account until the account last employee from XXXX XXXX XXXX Hang up on me I call Freedom Mortgage Corporation back to explain the situation and customer services representative told me that she could not help me and I needed to contact the company to cancel so I told her to try to get a representative on the line who could help me and she realized the she could not get anyone to cancel since they hang up on her, I requested a manager and a man called XXXX came to the phone to explained that there was nothing they could do, then I request to cancel my auto payment and were unable to do it either I've been at this for the last 4 hours, in my opinion this is a Fraud perpetrated by Freedom Mortgage Corporation in collusion with 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 2022-06-23 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: NY

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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Card # XXXX, XXXX XXXX XXXX # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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