vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 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: SC

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 XXXX : # XXXX XXXX XXXX XXXX XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 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 non-monetary relief
Consumer complaint received 2023-01-12 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: SC

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  XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 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 2023-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud

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 2023-01-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
RE : 15 USC Section 1692C -NO RESPONSE FROM : XXXX XXXX Equifax and XXXX or the creditors and no actions Sent to all of them. The law states these items need to be removed within 4 days of receiving our complaint. 
Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( XXXX, Equifax, and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right To Whom It May Concern, I am disputing the- referenced debts below. Please verify this debt as required by Fair Debit Collection Practices Act. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the fair credit, reporting act. The law states these items need to be removed within 4 days of receiving our complaint. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated.

Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( XXXX, Equifax and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My Husband, XXXX XXXX, has attempted to resolve an issue with XXXX XXXX obtaining his Credit Report information and have not received resolution due to Discriminatory Practices exhibited by Equifax with blocking the XXXX XXXX from pulling his Equifax Credit Report. 

We have call multiple times and XXXX XXXX states that they keep the same error message, although Equifax claims there is no XXXX XXXX or Security freeze on his report. 

We Protected U.S. Veterans and XXXX XXXX Americans who are attempting to gain access to financial resources, however, we are being blocked due to Equifax 's illegal biased discriminatory practices. 

He called the Equifax Fraud line 3 times and they assured him they have no fraud alerts, however, they have not updated their database and are on purpose blocking us from obtaining financial credit. 

XXXX XXXX can also attest to this action as well, as they have attempted to run his Equifax Credit Report but receiving no information and specifically stated their error message includes " Report Not available for Delivery ''. 

These are discriminatory practices in attempt to keep XXXX XXXX Americans form obtaining XXXX. 

I also had the same issue with XXXX who is blocking " FIGURE '' Home Equity Online Application from obtaining a Soft Inquiry Credit Report as we well. These are also illegal practices and XXXX states the same thing that there are no Security Freezes or XXXX Alerts on my account. However, when I called FIGURE back to inquire and confirm, they stated they are receiving the same error message on their attempt to pull my credit for progressing to the next stage of the application process to accept an Offer for the a potential Home Equity Line of Credit. 

These are discriminatory practices being exhibited by Equifax and XXXX, as the companies are confirming they have made several attempts to pull credit to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm loan paid XXXX for an item I purchased, the item was returned. Affirm said they sent XXXX to Lobster sport. Lobster sports only received XXXX and returned the entire amount. XXXX was where ordered it, they did not receive the money. Affirm will not confirm the amount sent, I have confirmed that lobster only received XXXX and did not charge any other shipping or restocking fees. XXXX received XXXX. I am being charged XXXX for nothing, the interest charged is XXXX. Where did the remaining money go?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-12 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-01-12 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: DE

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-12 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: DE

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I received no notice from this company. The only reason I found out about this is because they put a collection on my credit report. This company has never communicated with me and is in violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud

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 2023-01-12 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This account XXXXXXXX XXXX has improper grammar it says the account is potentially negative and it says paid I'm saying that the monitoring of the account is incorrect it was paid the first two years of a four-year contract and a couple months was unpaid and then went into negative but the account was later paid off in the account is paid now they also settled then I paid I believe the account should say potentially settle and paid it should not say potentially negative although the town had a few months unpaid it was 2 years pay on the same account so it's just say potentially settle and paid and if it says potentially negative and paid off it is considered incorrect grammar

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX - I initiated payment using Wells Fargo 's bill pay system for property taxes to the XXXX XXXX ( FL ) tax collector in the amount of {$6200.00}. 
This payment was due by XX/XX/XXXX to qualify for a 4 % discount. My record from the bank shows it was sent on XX/XX/XXXX XX/XX/XXXX - I checked with the tax collector to see if the payment had been received as it had not cleared. 
They had not received payment as of that date. I showed them a proof of payment indicating when the payment was initiated. 
XX/XX/XXXX - I again checked in with the tax collector. I spoke to XXXX XXXX? ) who said she would check with the person who was actually processing the payments to see if it had arrived. It had not posted yet. The person processing the payments is onsite. I was present during this phone call. The person processing the payments said my payment had just arrived. It was in an envelope with a number of other checks, the latest of which showed a date of XX/XX/XXXX. There was no postmark on the envelope as it was a commercial XXXX. 
My complaint is the bank debits the funds immediately from my account but does not send them when they say they do. Assuming my check, mailed with a number of others, was mailed on XX/XX/XXXX ( the date of the most recent check in the envelope ), that is two weeks later than they indicate on the proof of payment. When I call the bank, they just regurgitate the date that is on the check. I did file a complaint in writing and their response is they batch payments going to the same address and that's OK. Obviously, tax payments are time-sensitive and that makes this deception that much more egregious. I believe that their bill pay practices are deceptive as the implication with the proof of payment is that it is sent when the payer initiated the payment. It is not. Additionally, what are they doing with my money in the two weeks from when they debit my account to when the payee actually gets it? In my book, this is fraud. I don't have a problem with batching payments AS LONG AS THEY ALL HAVE THE SAME DATE AND ARE MAILED WHEN THEY SAY THEY ARE MAILING THEM.

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 2023-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Improper medical billing and attempt at collection of dual XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: PA

Complaint narrative:
Company has consistently been calling me. They have contacted multiple family members without permission and will not stop

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: PA

Complaint narrative:
Today, XX/XX/XXXX, I received notice that I had a credit alert that a derogatory mark was placed on my file. I contacted the agency listed, National Recovery Agency, at XXXX and was advised that I owed a debt of {$270.00} from XXXX to XXXX XXXX XXXX. They advised the notice that was mailed to me was in XXXX. I advised this debt was paid to the original creditor and asked how they can all of a sudden begin credit reporting me without contacting me. I have lived at the same address since XXXX so they had plenty of opportunity to reach me. I asked how to go about providing proof that this debt was paid and that I would absolutely not be paying them, to which they kept giving me information that the dental office stated ( such as last payment date, etc ). To be honest, I became extremely angry because it was like talking to a wall. I can clearly provide proof this debt was paid, and was given NO information on how to go about doing so. If they simply contact the company that hired them, they would know immediately they are attempting to collect on an invalid debt. So in summary, I paid for dental services directly to the company that provided the services back in XXXX, but this debt collector is coming out of nowhere 4 years later by hitting my credit report, with absolutely NO ATTEMPT AT CONTACTING ME.

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 2023-01-12 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: OH

Complaint narrative:
I have an unauthorized hard inquiry from XXXX XXXX I monitor my credit regularly, and as soon as I saw this I disputed it with equifax and that did nothing. I also tried to call the company but keep getting transferred to a line that stays an hold for very extended periods of time. This is the phone number I called for the credit card company XXXX. 
Equifax was the only bureau where I didnt have my credit frozen, and I now do. I have not sought to open any credit cards or lines of credit in many years. This is absolutely not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX  by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud

Company response to consumer: Closed with explanation