vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 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: 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. State of mi office chi XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX dept of EdXXXX XXXX, ,XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, 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 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.

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Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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:
Delete all the accounts violating the FCRA and reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Management , LLC got and shared my personal information without my consent. They damaged my reputation by saying that I owe a debt that is not minds. They obtained my personal information without my consent and shared it with the credit bureaus and caused harm to me. They are also trying to coerce me into paying a debt that is not minds. They are also infringing on my intellectual property. They do not have the write to use my name XXXX XXXX. That is my personal property ( XXXX filing XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act these accounts have violated my consumer rights under 15 usc 1681.

The listed accounts below have violated my consumer rights under 15 USC 1681. 

XXXX XXXX Account # : XXXX Amount ( XXXX ) {$16000.00} {$25000.00} XXXX XXXX XXXX Acct # : XXXX & XXXX Amount ( XXXX ) {$22000.00} {$22000.00} XXXX XXXX : Amount ( XXXX ) {$100.00} {$240.00} {$300.00} {$240.00} 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 2022-11-03 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: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-03 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: FL

Complaint narrative:
Delete all the accounts violating the FCRA and reporting inaccurate information

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 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This secured credit card account was closed and later charged-off in XXXX by XXXX XXXX who did so without my notice and refused to allow me to pay the {$140.00} balance for deleting the negative remark on my credit report. After repeated attempts to deal with XXXX XXXX directly without success, I wrote all 3 credit reporting agencies asking them to delete this account for inaccuracies such as : showing a current balance when the account has been closed for years, reporting a closed account date while also reflecting a current balance, reporting a current status on a closed account XXXX XXXX refuses to reopen to allow payment for deletion, as well as other inaccuracies including incorrect dates reported consistently throughout all 3 reporting agencies.

The last certified letters were mailed to all 3 bureaus on XX/XX/XXXX, today is XX/XX/XXXX and I still have no reply as to the status of the investigation and I am requesting the CFPB outright stricken and delete this inaccurate entry on my credit report across all 3 credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03 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: FL

Complaint narrative:
This secured credit card account was closed and later charged-off in XXXX by XXXX XXXX who did so without my notice and refused to allow me to pay the {$140.00} balance for deleting the negative remark on my credit report. After repeated attempts to deal with XXXX XXXX directly without success, I wrote all 3 credit reporting agencies asking them to delete this account for inaccuracies such as : showing a current balance when the account has been closed for years, reporting a closed account date while also reflecting a current balance, reporting a current status on a closed account XXXX XXXX refuses to reopen to allow payment for deletion, as well as other inaccuracies including incorrect dates reported consistently throughout all 3 reporting agencies.

The last certified letters were mailed to all 3 bureaus on XX/XX/XXXX, today is XX/XX/XXXX and I still have no reply as to the status of the investigation and I am requesting the CFPB outright stricken and delete this inaccurate entry on my credit report across all 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This secured credit card account was closed and later charged-off in XXXX by XXXX XXXX who did so without my notice and refused to allow me to pay the {$140.00} balance for deleting the negative remark on my credit report. After repeated attempts to deal with XXXX XXXX directly without success, I wrote all 3 credit reporting agencies asking them to delete this account for inaccuracies such as : showing a current balance when the account has been closed for years, reporting a closed account date while also reflecting a current balance, reporting a current status on a closed account XXXX XXXX refuses to reopen to allow payment for deletion, as well as other inaccuracies including incorrect dates reported consistently throughout all 3 reporting agencies.

The last certified letters were mailed to all 3 bureaus on XX/XX/XXXX, today is XX/XX/XXXX and I still have no reply as to the status of the investigation and I am requesting the CFPB outright stricken and delete this inaccurate entry on my credit report across all 3 credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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:
I sent multiple letters regarding unknown information in my credit report to the bureaus. It has been 30 days, but they did not send me any response or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: NY

Complaint narrative:
i XXXX XXXX, natural person am submitting a dispute on my own with no help of anyone, my dispute letter is attached plus proof of violations please see attachments. 

transunion you are also in violation of 15U.S CODE 1681N CIVIL LIABILITY FOR NON-COMPLIANCE YOU ARE ALSO IN VIOLATION OF 2. 15 usc 1681 e ( B ) 3. 15 U.S. Code 1693a ) 4. : 15 usc 1681 ( a ) ( 4 ) 5. 15 usc 1681b ( a ) ( 2 ) 6.15 usc 1681a- ( e ) YOU STATED IN YOUR LAST RESPONSE : " VERIFIED AS REPORTED '' IT IS CLEAR THAT YOUR COMPANY DECEITFUL AND YOU HAVE NO LEG TO STAND ON, LITIGATION HAS BEGUN AGAINST 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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Delete hard inquiries

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report.

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  XXXX XXXX is stating the account paid in full and consider closed but reporting late payment for the month of XXXX. I called several time to XXXX XXXX  XXXX and all 3 credit bureaus to fix this matter. No late payment at all. This is the second issue I have had with reporting from 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 2022-11-03 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX is stating the account paid in full and consider closed but reporting late payment for the month of XXXX. I called several time to XXXX XXXX XXXX and all 3 credit bureaus to fix this matter. No late payment at all. This is the second issue I have had with reporting from XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-03 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: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
To whom it may concern, There have been several attempts to delete the referenced student loan accounts from my credit reports due to the fact they have not been verified properly... I recently called the dept of edu for account numbers XXXX and XXXX and requested a promissory note for these accounts opened up in XXXX The information that I received is saying that the accounts were opened up in XXXX about consolidating the loans that were opened up in XXXX.. The problem with these accounts is that My name is spelled incorrectly ... My name is spelled XXXX XXXX not XXXX XXXX The other thing is that there is no signature of the original documents of my signature that I asked for there is a computer typed in misspelled signature of XXXX  XXXX... The other problem is that There is no record of the original loans that were opened up in XXXX Another problem is that the address linked to these loans would not have been linked to the above accounts the were originally opened in XXXX  because I was not affiliated with that address... I am asking the the accounts be deleted again.. There is no proof that these loans are mine... Please review and delete the closed accounts on all three credit bureaus... 
Thank you with kind regards 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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This was not sent in error ; I am a consumer under the law, and my information was misused, resulting in some false and not entirely accurate accounts on my credit report. My credit report was used without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Delete hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
On XX/XX/2022, I attempted to make an online payment on my account. I discovered that my account was locked and I needed to contact the security department. As i spoke with a security analyst, I was told I needed to answer security questions to verify my identity using public record information. The questions were answered multiple times correctly i was told that my identity still can not be verified. I was advised there are only 2 ways to unlock my accoubnt, by sending them via fax a copy of my social secuity card or a copy of my drivers license and a copy of a utility bill. Neithe4r of these options are safe or secure and opens myself up to potential identity theft threats. I spoke with the cutomer service XXXX XXXX, who again advised I must send my documents again. When Asked the level of encryption used to protect my documents he said he was not sure. I am now unable to pay my bill or access my account without the possibility of putting my identity in jeoprady.

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent several disputes requesting my personal information be updated to the most accurate and up to date information but old address and other names still remain on my credit report. Transunion, XXXX, and XXXX have failed to update my personal to only one address, one phone number, one name, and one employer. Correct information should be listed as : Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX Phone Number - XXXX Employer 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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent several disputes requesting my personal information be updated to the most accurate and up to date information but old address and other names still remain on my credit report. XXXX, Equifax, and XXXX have failed to update my personal to only one address, one phone number, one name, and one employer. Correct information should be listed as : Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX Phone Number - XXXX Employer XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with original creditor and promised me to update it out of my report.

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 2022-11-03 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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

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