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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: IA

Complaint narrative:
Medical bill from ex wife is showing up on my record multiple times yet we didnt even share medical insurance at all and XXXX XXXX  through the collection agency americollect keeps trying to have me pay for it

Company public response: Company believes it acted appropriately as authorized by contract or law
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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ADDENDUM TO XXXX : XX/XX/2022 -- Still had a problem with logging directly into my account. I finally was able to get into my account by using XXXX email as an option to log in. When I got into my account, I immediately tried to change my password in my Profile, but the Experian website would not allow me to edit and create the new and correct information for my password. Not only this, but I also noticed that there was incorrect information on my credit report. I recently paid off one of my accounts in full on XX/XX/2022, but the information on my credit report in " Alerts '' instead reported a " higher credit usage of 32.4 % '' instead of a " credit decrease '', on XX/XX/2022. ( I had also previously called XXXX, XXXX XXXX, for this paid off credit card and asked " why '' this was reported to Experian in this manner, and the XXXX representative XXXX XXXX, XXXX me that this information had not been reported by XXXX XXXX and instead, to immediately contact Experian as Experian had placed this on my report ). I logged off. 
I then called Experian at XXXX again for the 6th time to report these two incidences. I spoke to Experian Representative, XXXX, who checked on the incorrect information in my credit report and said that she would submit this to the membership Department as a dispute and informed me that it would probably take at least 30 days to see the corrected information. XXXX then transferred me to XXXX, another Experian Representative, to help me with my login information. Although she tried, her instructions did not really help. But So DID give me the technical troubleshooting email which was previously denied in my first submitted complaint : XXXX. I hung up with XXXX  and tried again on my own to directly log into my Experian account, not doing anything differently, I was finally able to get in, create and set a new password. I then tested my username and password by logging out and logging in again to make sure that it worked. It did. I am now waiting to see if Experian will correct the incorrect information submitted. I would also like to know WHO reported the incorrect XX/XX/XXXX information and the process for reporting information to Experian, because, if Experian is allowed to just place incorrect information on a consumer 's credit report or a creditor such as XXXX, is allowed to report incorrect information, this behavior can strongly hurt and not help 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 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: FL

Complaint narrative:
I sent out an FTC report on XX/XX/XXXX XXXX to XXXX, XXXX, and TransUnion to remove inaccurate/ false inquiries. XXXX is working to remove the inquiries. However, XXXX and TransUnion has yet to address my problem. Furthermore, it has been over 30 days for each of the three credit bureaus to respond.

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: FL

Complaint narrative:
I sent out an FTC report on XX/XX/XXXX XXXX to XXXX, Equifax, and XXXX to remove inaccurate/ false inquiries. Equifax is working to remove the inquiries. However, XXXX and XXXX has yet to address my problem. Furthermore, it has been over 30 days for each of the three credit bureaus to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I, XXXX XXXX, consumer and natural person recently obtained my credit reports after being denied for things I should have zero problem attaining given my status to find a debt being reported that I have no recollection of authorizing or establishing.

Honda Financial Services is claiming I owe an alleged debt that was charged off.

I have sent them a conditional acceptance on condition they provide 1. Validation of the debt, that is the actual accounting, 2. Verification of the debt, that is a signed invoice 3. A copy of the contract binding both parties, and to 4. Make available for my visual inspection the original contract that would make them the holder in due course.

I have sent this conditional acceptance and an Affidavit of Truth with my demand.

At first they sent a letter back saying the address on my credit report was the wrong address to send correspondence which is a XXXX XXXX compliance violation within itself. Then when I sent another letter to the " correct '' address they only responded with a printed version of the accounting with no signatures anywhere. Nothing signed by me or anything that actually binds me to the debt. 

I do not recall creating this debt and they are reporting this debt on my name but refusing to verify it. Is there anyone that can help me stop this fraud? 

They also sent a letter with the accounting that states they do not have to follow the rules of the FDCPA because they aren't debt collectors. This screams fraud and they are reporting this on my name.

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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Account address ID # XXXX, has violated my rights and is incorrect. 

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 with 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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

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

Account address ID # XXXX, has violated my rights and is incorrect. 

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 with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2021, I received a letter indicating that I had completed an online application. I contacted them and told them I had not done so and requested a copy of the application. Despite several follow up calls, they have refused to provide any information for us to give to the police to learn more about how this was done and perhaps by whom.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Account number XXXX Account status Open Date opened XX/XX/XXXX Account type FHA Mortgage The credit bureaus and this company has violated my rights under the CARES ACT and COVID-19 Pandemic.Under the FCRA passed by Congress 15 U.S 1681 B -.

Permissible purposes of consumer reports 15 U.S 1681 - Congressional findings and statements of purpose.

15.U.S 1681 C - Requirements relating to information contained in consumer Reports The credit bureaus have violated my rights under all these laws. 


Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card The credit bureaus and this company has violated my rights under the Under the CARES ACT. It must be deleted Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Collection The credit bureaus and this company has violated my rights under the HIPPA act. It must be deleted. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX The credit bureaus has violated my rights under the FRCA and the CARES ACT, and have caused me undue stress and phycological pain Under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s2 ( a ) ( 1 ) ( F ) ( i ) ( I ).

They have not been reporting inaccurate information. Under Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation. They have been reporting inaccurate information. Under the CARES ACT : If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. If the credit obligation or account was delinquent before the accommodation, during the accommodation the furnisher can not advance the delinquent status. They have been reporting inaccurate information, and have not followed the law. Also, whenever the credit bureaus and furnishers provide information on a consumer, they have the obligations related to the accuracy and integrity of the information they furnish under the FCRA and Regulation V. The credit bureaus have failed and they have been reporting inaccurate information. To ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider ALL of the trade line information they furnish that reflects a consumers status as well as the credit bureaus and they have failed in this regard.

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: Transcontinental Credit & Collection Corp
State: GA

Complaint narrative:
accordance with the fair credit reporting act XXXX  account # XXXX, has violated 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: EQUIFAX, INC.
State: GA

Complaint narrative:
accordance with the fair credit reporting act XXXX  account # XXXX, has violated 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 : also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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 Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 : 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: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have tried so many different ways to place a credit freeze on my TransUnion account. Everytime I call in, I have to get through what is probably the worst automated system on the planet and when I try to online, it says the status of my freeze is unknown and directs me to call. 

On the off chance I am able to get through, the customer service agents keep redirecting me around. I just want to be able to login and change the freeze status. IS that too much to ask for a stupid company that I am required to use for 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 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 — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
i made a payment over the phone with JPMCB agent XX/XX/22. i gave all my account information for the payment and she input it incorrectly. I gave her my entire account number correctly more than once. I was made aware of the error only after they reported my account 30 days late. They stated the account number was missing a digit a digit that their agent left out. I have proof that I had funds in the account the day of transaction. I also have proof that the same account was being used for months to make the payment. Chase refused to let me hear the recording to prove it was my error. Stating they will not reverse the 30 day late. As you can see in my history i do not have a repayment issue. I have excellent credit and plan on keeping it that way. I demand proof that the missing digit was my error and not theirs as i provided the same banking information i always have when making my payment. 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX XXXX never gave any Consumer written consent to report or furnish my Bankruptcy public records. No consent is identity theft. A Consumer has a right to privacy. 

In accordance with the fair credit reporting XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Public record XXXX XXXXXXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX-discharged Account Info Reference Number XXXX has Violated my rights. 


15 U.S.C 168 section 602 A states I have the right to privacy.

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

The Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW

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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I paid my XXXX cellular bill to XXXX with the agreement that it would not be sent to collections or reported on my credit report as a collection/chargeoff.

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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I paid my XXXX XXXX  bill to XXXX with the agreement that it would not be sent to collections or reported on my credit report as a collection/chargeoff.

Company response to consumer: Closed with explanation