vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-18 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: FL

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. 

XXXXXXXX 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. 

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 an 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 2023-06-18 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: FL

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 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 an 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 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Subject : Dispute of Inaccurate Utilization Amount on XXXX Account Dear Sir/Madam, I am writing to dispute the accuracy of the utilization amount stated on my XXXX account XXXX The incorrect utilization amount has caused several negative consequences, affecting both myself and authorized users associated with the account. 

Account Details : Bank Name : XXXX Account Number Ending : XXXX Disputed Information : Inaccurate Utilization Amount : {$3500.00} Explanation of Dispute : Upon reviewing my account statement, I noticed that the utilization amount reported by XXXX is significantly higher than the actual utilization of the account. The reported utilization amount of {$3500.00} does not reflect the true utilization, as the account has been responsibly managed and the actual utilization is significantly lower. 

This inaccuracy has had a detrimental impact on various parties associated with the account, particularly authorized users who have experienced negative consequences due to the inflated utilization amount. This includes potential negative effects on their credit scores and the ability to access credit, despite the utilization being inaccurately reported. 

I have contacted XXXX directly to address this issue, but they have been unresponsive and have not taken any action to rectify the situation. I have also submitted a written dispute to XXXX, providing evidence of the accurate utilization amount, but they have failed to make the necessary corrections. 

I am seeking the assistance of the Consumer Financial Protection Bureau to intervene in this matter and ensure that XXXX corrects the inaccurate utilization amount on my account. I request that an investigation is conducted to verify the true utilization and that appropriate actions are taken to rectify the reporting error promptly. 

I have attached supporting documentation, including account statements and any other relevant evidence, to substantiate my dispute. If further information or documentation is required, please do not hesitate to contact me. 

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance in resolving this dispute and holding XXXX accountable for their inaccurate reporting practices. 

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 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Subject : Dispute of Inaccurate Utilization Amount on XXXX Account Dear Sir/Madam, I am writing to dispute the accuracy of the utilization amount stated on my XXXX account XXXX The incorrect utilization amount has caused several negative consequences, affecting both myself and authorized users associated with the account. 

Account Details : Bank Name : XXXX Account Number Ending : XXXX Disputed Information : Inaccurate Utilization Amount : {$3500.00} Explanation of Dispute : Upon reviewing my account statement, I noticed that the utilization amount reported by XXXX is significantly higher than the actual utilization of the account. The reported utilization amount of {$3500.00} does not reflect the true utilization, as the account has been responsibly managed and the actual utilization is significantly lower. 

This inaccuracy has had a detrimental impact on various parties associated with the account, particularly authorized users who have experienced negative consequences due to the inflated utilization amount. This includes potential negative effects on their credit scores and the ability to access credit, despite the utilization being inaccurately reported. 

I have contacted XXXX directly to address this issue, but they have been unresponsive and have not taken any action to rectify the situation. I have also submitted a written dispute to XXXX, providing evidence of the accurate utilization amount, but they have failed to make the necessary corrections. 

I am seeking the assistance of the Consumer Financial Protection Bureau to intervene in this matter and ensure that XXXX corrects the inaccurate utilization amount on my account. I request that an investigation is conducted to verify the true utilization and that appropriate actions are taken to rectify the reporting error promptly. 

I have attached supporting documentation, including account statements and any other relevant evidence, to substantiate my dispute. If further information or documentation is required, please do not hesitate to contact me. 

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance in resolving this dispute and holding XXXX accountable for their inaccurate reporting practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Subject : Dispute of Inaccurate Utilization Amount on XXXX Account Dear Sir/Madam, I am writing to dispute the accuracy of the utilization amount stated on my XXXX account XXXX The incorrect utilization amount has caused several negative consequences, affecting both myself and authorized users associated with the account. 

Account Details : Bank Name : XXXX Account Number Ending : XXXX Disputed Information : Inaccurate Utilization Amount : {$3500.00} Explanation of Dispute : Upon reviewing my account statement, I noticed that the utilization amount reported by XXXX is significantly higher than the actual utilization of the account. The reported utilization amount of {$3500.00} does not reflect the true utilization, as the account has been responsibly managed and the actual utilization is significantly lower. 

This inaccuracy has had a detrimental impact on various parties associated with the account, particularly authorized users who have experienced negative consequences due to the inflated utilization amount. This includes potential negative effects on their credit scores and the ability to access credit, despite the utilization being inaccurately reported. 

I have contacted XXXX directly to address this issue, but they have been unresponsive and have not taken any action to rectify the situation. I have also submitted a written dispute to XXXX, providing evidence of the accurate utilization amount, but they have failed to make the necessary corrections. 

I am seeking the assistance of the Consumer Financial Protection Bureau to intervene in this matter and ensure that XXXX corrects the inaccurate utilization amount on my account. I request that an investigation is conducted to verify the true utilization and that appropriate actions are taken to rectify the reporting error promptly. 

I have attached supporting documentation, including account statements and any other relevant evidence, to substantiate my dispute. If further information or documentation is required, please do not hesitate to contact me. 

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance in resolving this dispute and holding XXXX accountable for their inaccurate reporting practices. 

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 explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
Company is trying to collect debt that is not mine. I have never had any business with this company or any services. They have refused to provide a service contract to validate the claim of me owing them and it has been two years and they still have yet to provide any documentation. I reached out to credit bureaus for assistance with disputing this and they have not removed the information no matter how many times I have disputed the information. As an identity theft victim it has been so hard to get the corporation of the credit bureaus and organizations to help me recover my information and clean up these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: KY

Complaint narrative:
I have received attempts to collect a debt via mail that is not mine. The name on the debt is XXXX XXXX ( my name is XXXX ), date of birth does not match mine, and address listed on original debt is not anywhere I have lived. I have asked this company to quit contacting us at this address twice. I filled a cfpb complaint back in XX/XX/2023 and received a response that I would not get any more communications from this company, yet I just got another letter from them, dated XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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 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. 


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

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an 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 2023-06-18 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 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. 


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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo account balance being reported on my personal credit report is inaccurate, false, and incorrect. The account balance is not reporting a large payment sum made and therefore reporting a balance that is inaccurate, false, and incorrect. The balance being reported is immediately incorrect, inaccurate, and false, which must be updated to reflect the correct, accurate, and true balance as required by law to report in my credit file. I am demanding pursuant to The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq that Wells Fargo immediately update my credit report and only report a correct, accurate, and true balance statement at all times.

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 2023-06-18 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: MA

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.

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 explanation
Consumer complaint received 2023-06-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I applied for loan through NetCredit. And was approved for {$1900.00} I was to send either 2 bank statements or 2 pay stubs I was advised I didnt need both I sent my XXXX paystub which I thought would be enough since it had year to date. 
I was also advised to call to verify my identity which I complied the loan was to be funded XX/XX/XXXX. But it was withdrawn instead. I contacted NetCredit to see why it was withdrawn They stated that I needed to send either my XX/XX/XXXX paystub OR 2 bank statements to prove my income. XXXX sent the XX/XX/XXXX again I was advised I could use 2 paystubs OR 2 bank statements Not both now they are refusing to fund the loan without bank statements Im concerned about invasion privacy laws due to having a joint account according to NetCredit I can not black the joint account holder information out.. it unfair to be denied for trying to protect the privacy of the joint account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX Re : Disputing errors on credit report Dear CFPB, I am writing to request a correction of the following information that appears on my XXXX, XXXX, TransUnion consumer report. Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I request that you investigate the following items : ACCOUNTS : Dispute 1 : XXXX XXXX  opened on XX/XX/XXXX Dispute 2 : XXXX XXXX opened on XX/XX/XXXX Dispute 3 : XXXX XXXX opened on XX/XX/XXXX Dispute 4 : XXXX XXXX opened on XX/XX/XXXX Dispute 5 : XXXX  XXXX opened on XX/XX/XXXX Dispute 6 : XXXX opened on XX/XX/XXXX Dispute 7 : XXXX/XXXX  opened on XX/XX/XXXX Dispute 8 : XXXX XXXX XXXX XXXX XX/XX/XXXX Dispute 9 : XXXXXXXX XXXX opened on XX/XX/XXXX Dispute 10 : XXXX XXXX XXXX opened on XX/XX/XXXX Dispute 11 : XXXX XXXX XXXX opened on XX/XX/XXXX INQUIRIES : Dispute 12 : XXXX XXXX made on XX/XX/XXXX Dispute 13 : XXXX XXXX made on XX/XX/XXXX Dispute 14 : XXXX  XXXX made on XX/XX/XXXX and XX/XX/XXXX Dispute 15 : XXXX XXXX made on XX/XX/XXXX and XX/XX/XXXX Dispute 16 : XXXXXXXX XXXX  made on XX/XX/XXXX Dispute 17 : XXXX XXXX  made on XX/XX/XXXX I contacted those credit agencies directly and asked them to remove their credit account and/or inquiry from my credit report. I request that you investigate the following items on my credit report to determine who authorized the item. If you find my allegation to be true once your investigation is complete, please remove these items and send me an updated copy of my credit report at the address listed above. 
If you find the account and/or inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Thank you for your assistance in this matter, 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 2023-06-18 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX Re : Disputing errors on credit report Dear CFPB, I am writing to request a correction of the following information that appears on my Equifax, XXXX, XXXX consumer report. Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I request that you investigate the following items : ACCOUNTS : Dispute 1 : XXXX XXXX  opened on XX/XX/XXXX Dispute 2 : XXXX XXXX opened on XX/XX/XXXX Dispute 3 : XXXX XXXX opened on XX/XX/XXXX Dispute 4 : XXXX XXXX opened on XX/XX/XXXX Dispute 5 : XXXX  XXXX opened on XX/XX/XXXX Dispute 6 : XXXX opened on XX/XX/XXXX Dispute 7 : XXXX/XXXX  opened on XX/XX/XXXX Dispute 8 : XXXX XXXX XXXX XXXX XX/XX/XXXX Dispute 9 : XXXXXXXX XXXX opened on XX/XX/XXXX Dispute 10 : XXXX XXXX XXXX opened on XX/XX/XXXX Dispute 11 : XXXX XXXX XXXX opened on XX/XX/XXXX INQUIRIES : Dispute 12 : XXXX XXXX made on XX/XX/XXXX Dispute 13 : XXXX XXXX made on XX/XX/XXXX Dispute 14 : CXXXX XXXXXXXX made on XX/XX/XXXX and XX/XX/XXXX Dispute 15 : XXXX XXXX made on XX/XX/XXXX and XX/XX/XXXX Dispute 16 : XXXX XXXX made on XX/XX/XXXX Dispute 17 : XXXX XXXX made on XX/XX/XXXX I contacted those credit agencies directly and asked them to remove their credit account and/or inquiry from my credit report. I request that you investigate the following items on my credit report to determine who authorized the item. If you find my allegation to be true once your investigation is complete, please remove these items and send me an updated copy of my credit report at the address listed above. 
If you find the account and/or inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with non-monetary relief