vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


TransUnion Name : XXXX XXXX XXXX, XXXX, ANTHO EMPLOYER : XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collection : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$150000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXXXXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$24000.00} XXXX XXXXXXXX Balance Owed : {$4700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXXXXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX  NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX  XX/XX/XXXX Inquiries 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 Collection : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$150000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXXXXXX Balance Owed : {$830.00} XXXX XXXX  XXXX XXXX Balance Owed : {$24000.00} XXXX XXXXXXXX Balance Owed : {$4700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX  XXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX Employer : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiries : XXXX  XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collection : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$150000.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$24000.00XXXX XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00}

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 2022-06-21 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: TX

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

15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: CA

Complaint narrative:
XXXX recalled this collection notice due to incorrect information. amount was paid so they recalled it from the collection agency. I called the agency collection they said it can take about 2-3 months remove off my report since I don't have anything showed or owed to them. They stated they will be sending a letter to me showing I have a XXXX balance due to agency since XXXX did the mistake and recalled it from agency. Please help me remove it from report. 

USCB AMERICA XXXX XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX Name : XXXX XXXX XXXX, XXXX, XXXX EMPLOYER : XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collection : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$150000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXXXXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$24000.00} XXXX XXXXXXXX Balance Owed : {$4700.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXXXXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX  NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries 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 XX/XX/XXXX Collection : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$150000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX  XXXX Balance Owed : {$830.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$24000.00} XXXX  XXXX XXXX Owed : {$4700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXXXXXX XXXX Balance Owed : {$130.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXXXXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$3000.00} Equifax Employer : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collection : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$150000.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$24000.00} XXXX XXXXXXXX Balance Owed XXXX {$4700.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: CO

Complaint narrative:
In accordance with the fair crediting reporting act the following the following accounts are in violation of my rights according to 15 USC 1681 section 602 ( a ) section 2 & 604 ( a ) section 2 XXXX XXXX XXXX  account # XXXX ** XXXX XXXX account  # XXXX XXXX XXXX account  # 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 2022-06-21 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: CO

Complaint narrative:
In accordance with the fair crediting reporting act the following the following accounts are in violation of my rights according to 15 USC 1681 section 602 ( a ) section 2 & 604 ( a ) section 2 XXXX XXXX XXXX account # XXXX ** XXXX XXXX account # XXXX XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: TX

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 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 I went to the car dealership and I told the salesman to pull my credit once and they pulled it multiple times

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 2022-06-21 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 XXXX 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. 

I have already filed a complaint to have this file removed from my credit report it was already removed from my XXXX but not on my XXXX and Equifax now I continue to get harassed with calls from multiple numbers which are disrespectful and also violating my rights 15 U.S.C 1681n civil liability for willful noncompliance states a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: IL

Complaint narrative:
Hey My Name Is XXXX XXXX XXXX I have sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. I also have attached my credit report According to the FCRA the term investigate consumer report means a consumer 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 may have knowledge concerning any such items of information. Also They stated my account was verified but how is that possible if they did not do proper investigation according to the law. Also every piece of information on this account is not reporting 100 % Accurate. According to FRCA 15 USC 1681 Everything has to be 100 % accurate. I Have the credit report attached showing the inaccuracies. I marked red X by everything thats wrong also its reporting this account below Account- 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 2022-06-21 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: NJ

Complaint narrative:
on XX/XX/XXXX I sent out a certified letter because they are reporting a bankruptcy on my credit report. They get their information through the company LCI. When asked HOW they verified said bankruptcy, they just respond that it has been validated. With my letter I sent them correspondence from the Bankruptcy court and PACER who both said that they do NOT directly give out bankruptcy information to third party companies such as XXXX XXXX or transunion, XXXX and XXXX. Being as though they are the only legal holders if public records, there is not way for LCI to have legally verified or validated that information to give it to Transunion to report. They were given 15 days to delete the reporting and are coming close to the deadline

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 2022-06-21 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: TX

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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I went to the car dealership and I told the salesman to pull my credit once and they pulled it multiple times

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 2022-06-21 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: TX

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 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 I went to the car dealership and I told the salesman to pull my credit once and they pulled it multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This complaint is in reference to EXPERIAN blocking me from being able to access my consumer reports electronically. Since XX/XX/2020 I noticed there were several things being reported to my consumer reports that were inaccurate and were causing me great harm to my character and credit standing. I began to dispute the information that was being reported to my consumer reports, I also filed police reports for information that was being reported as a result of identity theft by EXPERIAN. Ever since that time EXPERIAN has retaliated by blocking me from accessing my consumer reports electronically and has required me to request my reports by phone and mail only. This is unfair to me the consumer which is a direct violation my my rights under the fair credit reporting act. I have tried numerous of times to resolve this matter by calling and corresponding with EXPERIAN online however I am still unable to access my consumer reports electronically. EXPERIAN has sent me my consumer file electronically for dispute resolutions only however they have denied me access to my consumer report electronically. I'm coming to the bureau which is the CFBP as defined in the fair credit reporting act 15 USC 1681a ( w ) to report this violation and to help me the consumer have access to my consumer reports electronically which is my right. The law states pursuant to 15 USC 1681h ( b ) ( 2 ) ( C ) of the fair credit reporting act, that if the consumer requests their consumer report electronically and the report is available electronically I have a right to receive it electronically. EXPERIAN has lied by stating that my consumer report is unavailable electronically however has provided my consumer report electronically only for dispute resolutions. I have always been able to access my reports electronically prior to me enforcing my rights by filing police reports for their identity theft and disputing things on my consumer reports. This again is retaliation which is illegal. I have attached the screenshot from XXXX showing EXPERIAN blocking me from accessing my consumer reports electronically.

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 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: CA

Complaint narrative:
STATEMENT OF FRAUD RE : Case XXXX for account ending in XXXX I, ( name here ), hereby state that the above referenced card was ( select one ) : 1. ____ Lost / Stolen 2. ____ Never received in the mail 3. __x__ Used without my authorization, but still in my possession I have not used the card account described as above for the transaction ( s ) listed below. I have not authorized anyone else to use or have possession of the card account described above. I did not, and will not, receive any goods, services or other benefit as a result of the transaction ( s ) listed below. 
The signatures or other forms of authorization appearing on any of the sales drafts, ATM transactions, telephone/mail orders, or applications for the transaction ( s ) listed below, are and will be forgeries. 
Date Description Amount Disputed Amount XX/XX/2022 XXXX XXXX XXXX, XXXX, XXXX {$21.00} {$21.00} XX/XX/2022 XXXX XXXX  XXXX, NY {$81.00} {$81.00} XX/XX/2022 XXXX XXXX XXXX, XXXX, XXXX {$21.00} {$21.00} XX/XX/2022 XXXX M, XXXX, AZ {$19.00} {$19.00} XX/XX/2022 XXXX XXXXXXXX XXXX  XXXX, CA {$1.00} {$1.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA {$1.00} {$1.00} XX/XX/2022 XXXX XXXX XXXX XXXX, CA {$1.00} {$1.00} XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX CA {$1.00} {$1.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA {$1.00} {$1.00} XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX CA {$1.00} {$1.00} XX/XX/2022 XXXX XXXX XXXX  #, CA {$0.00} {$0.00} __x__ I have no knowledge of the identity or whereabouts of the person ( s ) responsible for the transactions listed above, OR : ____ I can identify the suspect as : Name : Phone Number : Address : City, State : Please provide any additional information you may believe may be helpful in our investigation ( you may attach additional pages, if needed ) : _________________________________________________________________________________ _________________________________________________________________________________ I certify that, to the best of my knowledge and belief, all the information on this Statement is true, correct, complete and made in good faith. I understand that this Statement and the information it contains may be made available to federal, state, and/or local law enforcement agencies for such action within their jurisdiction as they deem appropriate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: LEXISNEXIS

Complaint narrative:
I am requesting my Consumer Disclosure Report. I request to access my file to learn more about the personal information LexisNexis Risk Solutions maintains about me in accordance with the Fair Credit Reporting Act. I am also requesting this file be EMAILED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Mailing address XXXX XXXX XXXX XXXX Pa XXXX Date of Birth XX/XX/1984

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: TX

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

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-06-21 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: TX

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

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation