vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 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: MS

Complaint narrative:
This is attempt # 3 that includes new and updated information regarding the improper use of my credit report. I have reviewed the original alleged contract and have found several discrepancies that include some of the following : 1 ) XXXX XXXX Services does not have written or verbal consent to report to any consumer reporting agencies. This is a violation of my privacy. 18 U.S. Code 1028A ( a ) ( 1 ) 2 ) XXXX illegally and knowingly collected a down payment amount of XXXX while also collecting financing for the alleged contract agreement. 15 U.S. Code 1605 ( a ) 3 ) Reporting my account as " paid by insurance '' on my credit file as ANY mention of me having insurance is in violation of 15 U.S. Code 1681a ( i ) ( 2 ) 4 ) The alleged contract agreement has several financial discrepancies which includes miscalculation of total charges and payment amounts. 

I am attaching the portion of the phone conversation where the XXXX representative made a motion to resolve this issue. I am requesting the following remedies : 1 ) deletion of this credit account from all of my credit files. 

2 ) a letter confirming the deletion of this account from all credit reporting agencies. 

3 ) Reimbursement of fees which shall include the down payment, late payment fees, recalculation of accurate finance charge, and any fees to remedy for pain and suffering. 
-Two separate payments must be provided to account for the illegal and predatory acts taken against my wife and myself.

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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 2022-05-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$670.00}. ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1800.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$190.00} ; XXXX XXXXXXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$700.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$4400.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1300.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXXXXXX ) XXXX Balance {$57.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$950.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX XXXX, TX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint against the 3 Credit Bureaus for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need the 3 Credit Bureaus to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the items. 

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-05-03 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: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$670.00}. ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1800.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$190.00} ; XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX ) XXXX Balance {$700.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$4400.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1300.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$64.00} ; XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance {$57.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$950.00} ; XXXX XXXX XXXX ( Original creditor : TXXXX XXXX XXXX ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX ) XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-05-03 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: GA

Complaint narrative:
On XX/XX/22 I sent in letters to have incorrect information removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: GA

Complaint narrative:
On XX/XX/22 I sent in letters to have incorrect information removed from my credit profile.

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 2022-05-03 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:
In accordance with the Fair Credit Protection Act XXXX  account # XXXX. XXXX XXXX XXXX XXXX Account Number XXXX, XXXXXXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX Account Number 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 602 A 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 2022-05-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
Way2Go payment card solutions for XXXX XXXX isnt releasing my XXXX XXXX  client adjustment thats been well overdue 212 days they kept trying to provisionals on my account and filing false fraud statements along with disputes that I never made and the agents keep haunting up or seeing where they didnt see my fixed funds from my unemployment agency they keep illegally taking my money and bout time it get fixed they keep throwing me in fraud so Im bout to maybe lose my car and other things due to them holding my funding illegally when the program release my funds to this card company and the agents is really rude and false and dont file disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I have requested validation { not Verification } of an item reported to XXXX by CACi. I have received a response that clearly violates my rights according to HIPAA. 
CACi did not provide me with a HIPAA release sign release form that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # 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 2022-05-03 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, and 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 2022-05-03 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:
Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : OFFICE OF THE ATTY GEN XXXX Balance {$12000.00} ; ATTORNEY GENERALXXXX XXXX Balance {$8300.00} ; XXXX  CHILD SUPPORT ENFORE XXXXX Balance {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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:
In accordance with the Fair Credit Protection Act XXXX account # XXXX. XXXX FL XXXX XXXX Account Number XXXX, XXXX. XXXX XXXX XXXX Account Number 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, 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 602 A 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 2022-05-03 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:
N accordance with fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 its also states consumer reporting agency.

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 2022-05-03 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:
XXXX accordance with fair credit reporting act XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 its also states consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to dispute certain information in my file which I believe is possibly Identity theft. This account was opened fraudulently therefore I am a victim of identity theft. The account was opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA XXXX XXXXXXXX. The XXXX Credit Bureaus need to remove the account from my file. 

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 2022-05-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to dispute certain information in my file which I believe is possibly Identity theft. This account was opened fraudulently therefore I am a victim of identity theft. The account was opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA XXXX XXXX. The XXXX Credit Bureaus need to remove the account from my file. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: MA

Complaint narrative:
Important note Account name XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$41000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX late. 
I disputed this account with XXXX. I believe that it is identity theft because I do not recognize this loan on my name. It is being reported as paid every month, but I do not even know what this is. I've submitted another dispute with XXXX right now through the XXXX website. I don't pay this every month, so I don't know what it is being reported as something that is paid by me every month.

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 2022-05-03 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: MA

Complaint narrative:
Important note Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$41000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX late. 
I disputed this account with XXXX. I believe that it is identity theft because I do not recognize this loan on my name. It is being reported as paid every month, but I do not even know what this is. I've submitted another dispute with XXXX right now through the XXXXt website. I don't pay this every month, so I don't know what it is being reported as something that is paid by me every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Important note Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$41000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX late. 
I disputed this account with Experian. I believe that it is identity theft because I do not recognize this loan on my name. It is being reported as paid every month, but I do not even know what this is. I've submitted another dispute with Experian right now through the experian.com/viewreport website. I don't pay this every month, so I don't know what it is being reported as something that is paid by me every month.

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