vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX  XXXX ( XXXX ) - XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX ( XXXX ) 15 USC 1681 sec . 602 A states I have right to privacy.

15 USC 1681 section. 604 A sec 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( A ) ( 5 ) sec. 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 7 years.

15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer Reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX-XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXXXXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry XXXX XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 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 non-monetary relief
Consumer complaint received 2023-03-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : FACTUAL DATA Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 FACTUAL DATA Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XACTUS-XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XACTUS-XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XACTUS Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XACTUS Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 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 2023-03-31 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: AZ

Complaint narrative:
The credit repair companys are illegally placing False information on my credit report, thats a violation of my civil liberties, and illegal. By law law you cant report late payments on my credit report, I have had any transactions with the credit reporting agencies and that makes the disclosure of the information illegal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: AZ

Complaint narrative:
The credit repair companys are illegally placing False information on my credit report, thats a violation of my civil liberties, and illegal. By law law you cant report late payments on my credit report, I have had any transactions with the credit reporting agencies and that makes the disclosure of the information illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
I am writing to file a complaint against Grant & Weber Inc. for wrongfully placing a {$3000.00} debt on my credit report. 

My name is XXXX XXXX and I am a resident of California. On XX/XX/2019, I found out that Grant & Weber XXXXnc. had reported a debt to my credit report that had nothing to do with me. I have never done business with this company, and the debt is not mine. 
I have contacted Grant & Weber Inc. multiple times to dispute the debt and request that it be removed from my credit report, but they have ignored my requests. I have also contacted the three major credit bureaus and requested that they investigate the debt, but they have been unable to do so. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Grant & Weber Inc. removes the debt from my credit report. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: NC

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. 


Convergent Account # XXXX XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX XXXX balance XXXX  XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX - Opened XXXX, XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX -Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
-Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX $ balance 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Any other adverse item of information. other than records of convIctions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX My consumer rights has been violated according to 15 U.S. Code 1681. Inaccurate information is listed on my report which should be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2023, would be the first time, in my XXXX years of life, that I would be using my social security for something unrelated to work or school. It would be that day when I had submitted a guaranteed to get apartment with our chosen residence. Unfortunately though, our profile had been flagged under my name. We didnt know what was wrong and the office of our complex recommended us to contact Equifax immediately because it was flagged due to fraud. And so we did. XX/XX/2023 would be the first day I called Equifax. The first agent I spoke to ( who was the MOST and ONLY informative agent ) told us we should fax my proof of documentation immediately, which included, birth certificate, social security card, check stub, and a letter explaining the situation. He also gave me the name of the individual that had a link with my social. So that same day my mom and I faxed my information down to Equifax. We were told it would only take XXXX hours for them to receive the fax. After the three days, we contacted them XX/XX/2023. Then we were told it should be processed by the next day. Guess what? No fax received. So when we called the next day, XX/XX/2023, we were recommend to instead mail all my information. So on the same day, XX/XX/2023 we mailed it. The agent told us it would take them about a week to receive and process it, depending on how long it takes them to receive the mail. So I paid for express shipping. They shouldve received it by XX/XX/XXXX. XXXX weeks went by, and as of XX/XX/2023, I had found out that Equifax had removed ME off of my own credit file. When I asked why, they told me that the other individual had a credit card and actual credit under the file, so they removed me. Even regardless of all the actual PROOF I sent them, they still removed me. They didnt even consider the fact that I just turned XXXX in XXXX, what credit would I have? So from there on out I cant check and see if there is any more fraud activity present under my report because they wont tell me anything because technically it isnt my social. A long the way, I also found out that instead of freezing my credit as a whole, Equifax froze me under my credit instead of the person who is using it as fraud. In result, I couldnt even report to XXXX or XXXX because of that. Because of Equifax my family and I were almost homeless. I was so frustrated that the only thing I could do was cry. I never felt so powerless in my whole life. I never felt so lost and so out of options. I sent a letter to Equifax three times. THREE TIMES. And all they did was give me the run around. It hurts so much to know when citizens experience things like this we literally have no where to turn, because where we are supposed to turn doesnt even do their jobs. I honestly want to sue Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: LA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information which violates section [ 15 U.S.C. 1681 ] of the Fair Credit Reporting Act. 

Your corporations are continuously reporting inaccurate information pertaining to XXXX XXXX ( account # XXXX ) which is a charged-off account. The above-mentioned account has been disputed on several different occasions and has been verified as accurate but I am still seeing many inaccuracies. There are 3 different dates for the last time the account was allegedly reported ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. There are different dates for the date the alleged account was opened ( XX/XX/XXXX, XXXX XX/XX/XXXX ). Additionally, there are different dates for the date the last payments were allegedly made ( XX/XX/XXXX, XXXX XX/XX/XXXX. Also, the amount of the high credit limit has different amounts being reported ( $ XXXX XXXX ). The account is not showing a past-due balance. There are also discrepancies in the date the account was last active ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Furthermore, XXXX, XXXX isn't reporting what type of account is. How can you report an account on my credit profile but fail to mention what type of account it is? 

I am requesting that this account be removed immediately from my credit profile. 

Furthermore, if your corporations continue to violate federal law, I will proceed with a civil litigation suit for monetary damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: I.C. System, Inc.
State: NC

Complaint narrative:
I C System has a collection on my credit from XXXX XXXX ( original creditor ) in the amount of {$730.00}. This account was confirmed to me on XX/XX/XXXX by XXXX XXXX as a closed account as of XX/XX/XXXX. IC Systems is reporting the account to all credit bureaus as open with a delinquent date of XX/XX/XXXX which I C System stated to me was the date they were hired by XXXX XXXX. I have disputed the status and delinquency date on credit Karma with I C systems 4 times and they have repeatly informed both the status and delinquency date they have reported is correct. I reached out to I C Systems directly on XX/XX/XXXX and informed them of the false information they keep reporting on my credit reports. I also informed them according to FCRA the date of delinquency has to be the date given to them by the original creditor. They informed me that the Credit Bureaus are not updating my information. That they are reporting the account closed and the delinquency date as XX/XX/XXXX which I know is lies. I C Systems refuses to report my information accurately to the credit bureaus and refuse to update their reporting of my credit 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 explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
JCP Mastercard increased the APR interest rate to XXXX Percent without notification. This act caused the account to go over the credit limit. This in turn caused my credit worthiness to decrease and my FICO score to decrease to an unfavorable number score. Since 1999, I have been with the card. I have never been late in payments, have always paid more than the minimum payment. I asked JCP Credit Synchrony bank to increase the credit limit to off set the extremely hight interest rates that took the account over the limit and they rejected the request. I also asked them to consider lowering the interest rate and they also declined. 
This is usury. They increased the interest rate by more than 20 points. They did not sent a notice of the increase although they knew that I was closed to the credit limit. 
This over the limit amount was caused by the interest rate increase of XXXX and XXXX and XXXX that posted to the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PNC Bank N.A.
State: VA

Complaint narrative:
XXXX -- tried to use credit card, charge would not go through, though it was within my credit limit and the card was not delinquent. 

XXXX -- PNC reduced my credit limit significantly. I want it raised back to what it was. My FICO score is good -- XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
In trying to make payments via the Target XXXX app, I got repeated error messages and would have to try numerous times before the payment would go through, making my payment 'late ' I contacted customer service and was told nothing was wrong with the app. This is the only account showing late on my credit report and I tried disputing these late payments which did not happen so I wound up here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
On XX/XX/2023, a hard inquiry showed up on my XXXX report from " FEB/Destiny bank . '' Their phone # shown was XXXX, which is an invalid phone #. The number listed on the web is XXXX, but I can not reach a real person to address this fraud. I have NOT applied for any card or credit from this company. This company MUST immediately contact me and STOP this unauthorized credit application.!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: IL

Complaint narrative:
I disputed 2 bankruptices and the accounts associated with them several time over the last few months. However the credit agencies refuse to allow me to keep disputing and comes back verified everytime even though the 3rd party XXXX XXXX does not have this information on their reports which is whom im being told houses and verified this 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 explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, we had a mortgage account with Wells Fargo from XX/XX/XXXX and unfortunately foreclosed XX/XX/XXXX. We would like see if we qualify to file a claim since our contact numbers have changed and have not received information regarding the current ongoing settlement with Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: NV

Complaint narrative:
These accounts are reporting late as reported in my 3 Credit bureaus. These accounts should not be showing the current status of 30 and 60 days late since its already been paid for. It seems impossible to accrue late on an accounts that has already been paid. Please report the payment status positive and update all late from reporting on these accounts. 
XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance Owed : {$300.00}, XXXX XXXXXXXX Date Opened : XX/XX/2022 Balance Owed : {$440.00}

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