vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 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: Grain Technology, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX, GRAIN TECHNOLOGY LLC, XXXX and XXXX XXXX XXXX XXXX XXXX ARE REPEATEDLY VIOLATING MY CONSUMER RIGHTS PURSUNAT to 15 USC 6802 ( a ) which clearly states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
IT IS CLEAR THAT THE LISTED FINANCIAL INSTITUTIONS ABOVE ARE IN CLEAR REPEATED VIOLATIONS OF MY CONSUMER RIGHTS PURSUANT TO 15 USC 6802 ( a ) and 15 USC 1681b having no written consent BY ME, THE CONSUMER, NATURAL PERSON with all RIGHTS GIVEN TO ME BY THE MOST HIGH XXXX at birth. I DEMAND THAT THE ABOVE LISTED ACCOUNTS BE REMOVED FROM MY CREDIT PROFILES ON ALL 3 BUREAUS ( XXXX, XXXX AND XXXX ) WITHIN the next 7 business days or i will be forced to sue each INSTIUTION FOR KNOWINGLY AND WILLINGLY VIOLATING MY CONSUMER RIGHTS AND INTENTIONALLY CAUSING UNJUST HARDSHIP UPON MY LIFE BY REPORTING FALSE, INACCURATE, MISLEADING AND UNAUTHORIZED INFORMATION ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SYNCB/PAYPAL and XXXX XXXX  XXXX XXXX XXXX ARE REPEATEDLY VIOLATING MY CONSUMER RIGHTS PURSUNAT to 15 USC 6802 ( a ) which clearly states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
IT IS CLEAR THAT THE LISTED FINANCIAL INSTITUTIONS ABOVE ARE IN CLEAR REPEATED VIOLATIONS OF MY CONSUMER RIGHTS PURSUANT TO 15 USC 6802 ( a ) and 15 USC 1681b having no written consent BY ME, THE CONSUMER, NATURAL PERSON with all RIGHTS GIVEN TO ME BY THE MOST HIGH GOD at birth. I DEMAND THAT THE ABOVE LISTED ACCOUNTS BE REMOVED FROM MY CREDIT PROFILES ON ALL 3 BUREAUS ( XXXX, XXXX AND XXXX ) WITHIN the next 7 business days or i will be forced to sue each INSTIUTION FOR KNOWINGLY AND WILLINGLY VIOLATING MY CONSUMER RIGHTS AND INTENTIONALLY CAUSING UNJUST HARDSHIP UPON MY LIFE BY REPORTING FALSE, INACCURATE, MISLEADING AND UNAUTHORIZED INFORMATION ON 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 2022-06-01 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: PA

Complaint narrative:
I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Experian was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: NJ

Complaint narrative:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 XXXXXXXX XX/XX/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 2022-06-01 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: NY

Complaint narrative:
I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXXXXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: NJ

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX WY XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX WXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX : {$150.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 2022-06-01 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: NY

Complaint narrative:
I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXXXXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.

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 2022-06-01 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: NY

Complaint narrative:
I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX XXXXXXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking this account is inadvertently resulting in me being extorted.

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 2022-06-01 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: PA

Complaint narrative:
I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to TransUnion was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 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: NJ

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX  NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX WY XXXX XXXX  MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$7300.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$150.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 2022-06-01 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: NJ

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX WY XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$7300.00} XXXX OF XXXX XXXX XXXX : {$150.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$170.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$140.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: CA

Complaint narrative:
I sent letters to the Credit Bureaus on XX/XX/XXXX, requesting the removal of unauthorized inquiries I saw on my Credit Report, with complete proof of my Identity. Upon reviewing my updates, incorrect information were reported to my personal credit file. The Experian, XXXX, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act section 605b, and continued to report unverified information without providing any proof required by law. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XX/XX/XXXX BXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 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: CA

Complaint narrative:
I have opened a charge account with " XXXX Bank ''. it is NOT a credit card. But it supposed to report to the credit bureaus to improve the credit score, the reason why i applied for this account. But unlikely, it destroyed my credit score. 

Because the Term " Balance '' in the credit card system means we as the consumer are owing some money to the creditor, which the higher, the more negative ; but when we come to the debit cards, the word " Balance '', means the money that is sitting in the customer account, which the higher, the more positive. 

So this account currently reporting the money that i have in my account, as a debt, as a " Balance '' under its negative definition as mentioned above. 
this is showing a high utilization on this account, which has dramatically decreased my credit score. I called the credit bureaus, and the bank several times. but seems that XXXX bank people are not familiar with the credit report system, and kept reporting my MONEY under the Balance Category instead of reporting it under the LIMIT category.

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 2022-06-01 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: CA

Complaint narrative:
I have opened a charge account with " XXXX Bank ''. it is NOT a credit card. But it supposed to report to the credit bureaus to improve the credit score, the reason why i applied for this account. But unlikely, it destroyed my credit score.

Because the Term " Balance '' in the credit card system means we as the consumer are owing some money to the creditor, which the higher, the more negative ; but when we come to the debit cards, the word " Balance '', means the money that is sitting in the customer account, which the higher, the more positive. 

So this account currently reporting the money that i have in my account, as a debt, as a " Balance '' under its negative definition as mentioned above. 
this is showing a high utilization on this account, which has dramatically decreased my credit score. I called the credit bureaus, and the bank several times. but seems that XXXX bank people are not familiar with the credit report system, and kept reporting my MONEY under the Balance Category instead of reporting it under the LIMIT category.

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 2022-06-01 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: NJ

Complaint narrative:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$7700.00} XXXX XXXX  XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief