vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My concern is incorrect information being reported regarding the following. 
Tradelines. According to 15 USC 1681 section 609 states the CRA can not provide incoreect or erroneous information. 

I have the right to privacy. 

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions According to the statutes listed the first violation is privacy my transactions should not reported or furnished without my wrutten concent. 

1. DEPTOFEDXXXX ACCT NUMBER XXXX Last Activity XXXX XX/XX/2023 XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Date Open XXXX XXXX XXXX XXXX Equifax. XXXX Creditor type XXXX Miscellaneous Education XXXX XXXX XXXX Equifax. Miscellaneous Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: MD

Complaint narrative:
My concern is incorrect information being reported regarding the following. 
Tradelines. According to 15 USC 1681 section 609 states the CRA can not provide incoreect or erroneous information. 

I have the right to privacy. 

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions According to the statutes listed the first violation is privacy my transactions should not reported or furnished without my wrutten concent. 

1. DEPTOFEDXXXX ACCT NUMBER XXXX Last Activity XXXX XX/XX/2023 Experian XX/XX/2023 XXXX XXXX XX/XX/2023 Date Open XXXX XXXX Experian XXXX XXXX. XXXX Creditor type XXXX Miscellaneous Education Experian XXXX XXXX XXXX. Miscellaneous Finance

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account name : 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 2023-04-08 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: KY

Complaint narrative:
Account name : XXXX  XXXX, Last four of account number XXXX, Account name : XXXX  XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX XXXX Account number 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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:
The Following account numbers have been reported to my credit report without proper consent, and the information provided is inaccurate XXXX  XXXX, XXXX, XXXX improper origination date and incorrect creditor type In addition my private transactions wee furnished without my written consent According to 15 USC 1681 section 604 states the CRA must provide correct information.

I have the right to privacy.

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without 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 2023-04-08 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 2023-04-08 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 explanation
Consumer complaint received 2023-04-08 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: TX

Complaint narrative:
equifax has been reporting my information incorrectly for over a year and they refuse to correct it. They report my social security number to be my business EIN ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I took out this solar panel loan with loanpal for {$21000.00} back in XXXX  @ a 2.99 % interst rate payment Iof {$100.00} per month. I have paid over {$3000.00} to date and the balance is still {$20000.00} What am I paying for? This is predatory lending and deceptive. 
I ask them to rewrite to loan and they say no.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX  XXXX # XXXX, Account name : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX  XXXX # XXXX, Account name : 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 2023-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report an issue I have been having with Ally Financial. I believe that they have blatantly disregarded the law and are completely ignoring my request for proof of a contract between XXXX XXXX XXXX and Ally Financial. It seems as though they believe they are above the law. 

I have sent a previous letter, and it has been More than 30 days since I requested proof of the contract. Unfortunately, I have still not received a reply from Ally Financial besides them keep calling. Now, I am being threatened with repossession, yet they have not provided any proof of claim. 

This is a serious matter that needs to be addressed immediately. It is unacceptable for a financial institution to ignore a customer 's request for proof of contract and then threaten repossession without any proof of claim. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take the necessary steps to ensure that Ally Financial is held accountable for their actions. I would appreciate any assistance that can be provided to help me resolve this matter. 

Thank you for your attention to this matter. 

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a natural person and was just looking over my credit report and found some addresses that appear to be incorrect and misleading. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit and purchasing a home for my family. 


Addresses : XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX CO, XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO, XXXX These addresses have been reporting on my consumer credit profile from 3 XXXX for some time now and this 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 2023-04-08 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: KY

Complaint narrative:
Account name : XXXX  XXXX, Last four of account number XXXX, Account name : XXXX  XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX XXXX Account number 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 2023-04-08 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: KY

Complaint narrative:
Account name : XXXX  XXXX, Last four of account number XXXX, Account name : XXXX XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX XXXX Account number 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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a natural person and was just looking over my credit report and found some addresses that appear to be incorrect and misleading. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit and purchasing a home for my family. 


Addresses : XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX CO, XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO, XXXX These addresses have been reporting on my consumer credit profile from 3 CRAs for some time now and this 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