vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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: SC

Complaint narrative:
XXXX, XXXX, Transunion has assumed a vital role. on XX/XX/XXXX I submitted complaint here on the CFPB portal about your Company Reporting Negative on my consumer Report. You responded on XX/XX/XXXX 6 days after stating that my report was updated which prove you never investigated it nor did you actually updated my Report to reflect all accounts Positive. I Clearly stated that I did not give you consent to report and you are in Violation of the FCRA. 

Per the FCRA As a federally protected consumer I am now Opting out of any and all authorization I the consumer may have giving you and your 3rd party affiliates written, unwritten, verbal or non verbal. XXXX, XXXX, Transunion you are the Furnisher of information, you compile and sell Reports, While selling those reports you are in Violation of 15 USC 6802 as you are disclosing my Non Personal information to those Non affiliates, which puts me at risk of Identity Theft. 

XXXX, XXXX, Transunion you are also reporting Transactions and Experiences ( late payments ) not only are you reporting them but you are reporting accounts that has been paid as agreed. Per 15 USC 1681a Transaction and Experiences are excluded on a consumers Credit Report. I did not give you consent remove at the reciept of the complaint. 

Per The Privacy act of XXXX I have a Right to Privacy and I Enforce these rights for the following Reporting accounts. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00} I filed a 1099C to the IRS that XXXX this balance to reflect {$0.00} XXXX : XXXX XXXX XXXX XXXX Credit Card Balance {$5300.00} I filed a 1099C to the IRS that discharged this balance to reflect {$0.00} XXXX  XXXX XXXX XXXX Balance {$580.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX Balance {$780.00} I did not give consent to report collections on my report Remove ASAP.

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 2024-12-14 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: SC

Complaint narrative:
XXXX, Equifax, XXXX has assumed a vital role. on XX/XX/XXXX I submitted complaint here on the CFPB portal about your Company Reporting Negative on my consumer Report. You responded on XX/XX/XXXX 6 days after stating that my report was updated which prove you never investigated it nor did you actually updated my Report to reflect all accounts Positive. I Clearly stated that I did not give you consent to report and you are in Violation of the FCRA. 

Per the FCRA As a federally protected consumer I am now Opting out of any and all authorization I the consumer may have giving you and your 3rd party affiliates written, unwritten, verbal or non verbal. XXXX, Equifax, XXXX you are the Furnisher of information, you compile and sell Reports, While selling those reports you are in Violation of 15 USC 6802 as you are disclosing my Non Personal information to those Non affiliates, which puts me at risk of Identity Theft. 

XXXX, Equifax, XXXX you are also reporting Transactions and Experiences ( late payments ) not only are you reporting them but you are reporting accounts that has been paid as agreed. Per 15 USC 1681a Transaction and Experiences are excluded on a consumers Credit Report. I did not give you consent remove at the reciept of the complaint. 

Per The Privacy act of XXXX I have a Right to Privacy and I Enforce these rights for the following Reporting accounts. 

Dispute1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00} I filed a 1099C to the IRS that discharged this balance to reflect {$0.00} XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$5300.00} XXXX filed a XXXX to the IRS that XXXX this balance to reflect {$0.00} XXXX XXXX XXXX XXXX  Balance {$580.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX Balance {$780.00} I did not give consent to report collections on my report Remove ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing because I disputed accounts with the credit agencies due to them being inaccurate or my rights being violated. In the document section I will send in the accounts.

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 2024-12-14 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: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Subject : Formal Complaint Regarding Violations of the Fair Credit Reporting Act by Experian Dear Sir/Madam, I write to formally lodge a complaint against Experian concerning the erroneous and misleading reporting of an account linked to Police and Fire FCU ( Account Number : XXXX ) on my consumer credit report.

**Factual Background** : - Experian has persisted in representing this account as accurate, notwithstanding my successful dispute with XXXX, which culminated in the removal of said account from my credit profile. 
- This inconsistency raises substantial concerns regarding the reliability and validity of Experian 's verification process.

**Legal Basis** : - Pursuant to 15 U.S. Code 1681i, consumer reporting agencies are mandated to expeditiously delete any disputed item that has been determined to be inaccurate or unverifiable. 
- The conflicting results from the same financial institution signify a potential failure in Experian 's compliance with the statutory obligations established under 15 U.S. Code 1681 ( a ) ( 2 ), which necessitate that consumer reporting agencies uphold standards of accuracy and integrity in reporting.

**Impact on Consumer Rights** : The ongoing reporting of this inaccurate account has inflicted significant harm upon my creditworthiness and overall financial well-being. Such conduct contravenes the principles enshrined in the Fair Credit Reporting Act ( FCRA ), which underscores the necessity for fairness, impartiality, and consumer privacy. 

**Demand for Remedial Action** : I hereby demand the immediate expungement of this erroneous account from my Experian credit report. Enclosed, please find pertinent documentation from XXXX that corroborates my assertions. 

I respectfully implore the Consumer Financial Protection Bureau to undertake a comprehensive investigation into the practices of Experian in this matter. I anticipate your prompt and thorough response to address my concerns. 

Thank you for your immediate attention to this pressing issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: FL

Complaint narrative:
MY CREDIT REPORT HAS INQUIRIES THAT DO NOT BELNG TO ME I HAVE BEEN A VICTIM OF THE DATA BREACH AND MY CREDIT WAS USED TO APPLY IN PLACES NOT MINE 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 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 2024-12-14 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: FL

Complaint narrative:
I'm writing to you to remove or update the inaccurate information about reporting a late payment on my account with XXXX ( Account Number : XXXX ). According to my records, I have never made a late payment on this account during the reported period of XX/XX/year>. The incorrect information is significantly impacting my credit score and hindering my ability to obtain credit.

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 2024-12-14 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; 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 explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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 Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hello, my name is XXXX XXXX, and I am submitting this complaint/dispute without error or any influence from any third-party agency. Please see the following attached documentation below and meet my requests as soon as possible. THANK YOU!

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 2024-12-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: Dave Operating, LLC
State: AR

Complaint narrative:
Dave not only blocked my account upon creating it for no reason, but is taking monthly fees and not responding to my e-mails. I cant even get so far as to cancel the subscription. They try it over and over again even though my card is locked. I feel like I am a victim of discrimination due to my income and circumstances. Dave app only exists to mock poor people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: MI

Complaint narrative:
I have just learned that my information was involved in various data breaches over the past 10 years, and more recently my identity was stolen from my friends vehicle in 2022, which has resulted in various inaccurate addresses and phone numbers being attached to my report. I have attached a copy of the police report in this regard. 
In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights under 15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 section 604 a section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. No information was mailed to me at all and specifically no information was mailed to me within 21 days. 

The reporting of these late payments are not only a violation of various federal protection laws but they also have severely abused and harmed my reputation and ability to obtain credit from various lenders which has caused me to injury in various ways. 

Please remove this account from all of my reports. I have written to all XXXX credit reporting agencies multiple times stating that I do not recognize how the Chief Financial Credit Union account is reporting on my credit reports, I do not recognize the account number, the account status, the account high balance, nor do I recognize the late payments associated with it, everything reported here does not meet the FCRA. Please remove this account from all of my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: Cascade CISS Holdings, LLC
State: NJ

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: MI

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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # 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 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 explanation
Consumer complaint received 2024-12-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently pulled a copy of my credit report and realized that I have fraudulent activity. below are the fraudulent accounts that need to be removed off of my account. 

XXXX XXXX XXXX  Amount : {$230.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$750.00} XXXX XXXX Amount {$52.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX Amount {$3700.00}

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 non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX or XXXX of 2023 Wells Fargo bank account was closed after consumer complained about XXXX dollars missing from account. The bank went several years back asking for receipts for previous claims filed or reversed charges from merchants and or current businesses I had relationships with documents was provided and investigations was supposed to be performed. Nothing was heard back from XXXX. My XXXX dollars was taken As the consumer I received unfair, deceptive, or abusive treatment that was financially damaging My access then was closed and I was told theyre breaking my relationship with Wells fargo

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 2024-12-14 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, a charge for {$66.00} from XXXX XXXX? XXXX was posted to my Chase Sapphire card. Within two days, I reported this as fraud to Chase. Chase closed my card and sent me a new one and credited my account while they investigated. On XX/XX/year>, Chase sent me a letter telling me that I am responsible for the charge because received benefits from this transaction. It was then billed back to my card. I absolutely did not make a purchase at this vendor ( and the way in which the name is listed should be reason enough for Chase to recognize this as fraudulent as it doesnt align with how XXXXXXXX the restaurant would normally show up on a statement ) and if I did receive any Cash Back bonuses ( minimal- maybe a few dollars ) Id happily pay that back. But I should not be responsible for {$66.00}.

Company response to consumer: Closed with explanation