vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 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:
Section 611 ( e ) of the Fair Credit Reporting Act : Federal Trade Commission Program Referring Consumer Complaints About Possible Act Violations To The Three Nationwide Consumer Reporting Agencies, and Securing Complaint Resolution Information From Them : Tags : Privacy and Security. Credit Reporting.XXXX XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited XXXX days and received my investigation and notice everything was still the same. The consumer reporting agencies, which is Transunion, and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on all XXXX-credit reports, date of last payment is not correct on XXXX and TransUnion credit reports. 
Which is a violation. This is impacting me from moving forward to buying a house for my family. 
I attached my previous credit report to show how XXXX, TransUnion and XXXX violated my rights.

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 2023-01-26 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: 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.

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 2023-01-26 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: SC

Complaint narrative:
In XXXX XXXX fraudulently placed unauthorized inquiries on my consumer report 15usc1681a-4 privacy obligation not met. 15usc1681b no permission or wet ink signature to do this They typed out a letter in office to remove the inquiries. I contacted the 3 main bureaus. XXXX is the only one who removed the inquiries right then. XXXX removed majority of them. Transunion I paid to send mail certified and they received the documents and sent me a XXXX  stall letter stating it was from a third party when I was the one who sent the items. They asked me to resubmit it, meaning I have to pay again to redo this. Ive spent numerous hours on the phone to get this done, so I will be suing for each violation on my consumer report or they need to compensate me for this embarrasing situation. 
Transunion inquiries XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX Also XXXX XXXX has a fraud late payment on my report, another violation breaking privacy laws, no permissible purpose law, if found they will also be sued for the violation 15usc1666b timing of payment history not allowed unless notified in advance if not notified of the late payment they can not place this on the report 15usc1681a ( i ) a ( 2 ) transaction history is excluded from the report XXXX inquiries Elan XXXX XXXX XX/XX/XXXX and XX/XX/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 2023-01-26 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: SC

Complaint narrative:
In XXXX XXXX fraudulently placed unauthorized inquiries on my consumer report 15usc1681a-4 privacy obligation not met. 15usc1681b no permission or wet ink signature to do this They typed out a letter in office to remove the inquiries. I contacted the 3 main bureaus. Experian is the only one who removed the inquiries right then. XXXX removed majority of them. XXXX I paid to send mail certified and they received the documents and sent me a XXXX  stall letter stating it was from a third party when I was the one who sent the items. They asked me to resubmit it, meaning I have to pay again to redo this. Ive spent numerous hours on the phone to get this done, so I will be suing for each violation on my consumer report or they need to compensate me for this embarrasing situation. 
XXXX inquiries XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX Also XXXX XXXX has a fraud late payment on my report, another violation breaking privacy laws, no permissible purpose law, if found they will also be sued for the violation 15usc1666b timing of payment history not allowed unless notified in advance if not notified of the late payment they can not place this on the report 15usc1681a ( i ) a ( 2 ) transaction history is excluded from the report XXXX inquiries XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/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 2023-01-26 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: NC

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.

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter to XXXX XXXX informing them that charge offs are considered income so they should not be reporting negatively on my Consumer report and I wanted to have it removed immediately and permanently.

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 2023-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: NE

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Westlake Financial Services for closing my previous complaint and marking it as a duplicate. I had previously submitted a complaint to the CFPB regarding a violation of my Truth in Lending rights by Westlake Financial Services. 

I was informed by the CFPB that my complaint was closed and marked as a duplicate, without any resolution or explanation. This is unacceptable and has left me feeling frustrated and disheartened. 

I believe that my complaint was not a duplicate and that it contained unique information and details regarding my experience with Westlake Financial Services. I strongly believe that my complaint should have been fully investigated and not closed without proper resolution. 

I request that the CFPB re-opens my complaint and investigates it thoroughly. I would also like to receive an explanation as to why my complaint was closed and marked as a duplicate without proper resolution. 

Thank you for your time and attention to this matter. 

Here 's more information on previous complaint : I entered into a loan agreement with this company and was informed that there was no cooling off period, also known as a right of rescission. 

According to the Truth in Lending Act ( TILA ), creditors are required to disclose the right of rescission to borrowers in certain types of consumer credit transactions, such as loans for a primary residence. The right of rescission allows borrowers to cancel a loan without penalty within a certain period of time after the loan is consummated. 

I believe that Westlake Financial Services violated TILA by failing to disclose my right of rescission to me. As a result, I was not able to make an informed decision about the loan and XXXX have suffered financial harm. 

I request that the CFPB investigates this matter and takes appropriate action against Westlake Financial Services to ensure that they comply with TILA and do not violate the rights of other consumers in the future. I also request any possible compensation for the harm caused by this violation. 

Thank you for your time and attention to this matter. 

I have attached the agreement clearly stating " no cooling off period ''

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 2023-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Ashley furniture account number # XXXX I do not give your company permission to share, sell, release or report information derived from my consumer profile and that was derived from your data files within your systems. Reporting to affiliates or any third-party affiliates ( XXXX, XXXX, XXXX ) violates my privacy. The information you are furnished to CRA 's is inaccurate and incomplete. I am a consumer who has been the victim of fraud. I have a fraud alert on my credit profile that was ignored by your company to issue credit. Financial institutions have a responsibility to protect the privacy of the personal financial information of their customers and consumers.

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 2023-01-26 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: IN

Complaint narrative:
A few months ago, I submitted a complaint against Equifax Credit Bureau. For some reason, they're continuously reporting XXXX auto loan as being closed. My auto loan is NOT CLOSED. It is very much so, open. I actually still owe nearly {$25000.00} on the loan. 

I would like for them to report my loan as open and stop reporting it as a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reached out to the Bureaus on XX/XX/2022 regarding an account that is on my credit report. The account in question is XXXX, which according to my credit report, is from Law Offices of XXXX. I have no clue what this account is nor what is being claimed that I owe or why. As a consumer I have the right to a Credit report that is 100 % accurate and mistakes like this are unacceptable. What makes matters worse is the FCRA explains in depth the process for dispute. According to the FCRA the bureaus have 30 days from receiving a dispute to notify me, the consumer, of my right and that their status of the investigation. In the event the information is unverifiable the Bureau is required by law to remove the account. If the Bureau is able to " verify '' the account then they are to inform the consumer of their finding and the status of their disputes. It has been over 60 days since this Bureau has received my complaint. The fact that they have not notified me of their finding I believe it is because they were not able to " verify '' this account which then means that they are reporting information that is inaccurate and against the law to be on my report. I am on the market for a new house and discrepancies like this are very damaging to my credit profile. This Bureau is deliberately breaking the law and violating my rights. I am documenting this complaint for my records in the event this has to move further. I am hoping this can be resolved in the CFPB and we don't have to move further. It has been OVER 60 days that the bureau receive my dispute. It has now move past the MAX amount of time the FCRA allows Bureaus to handle dispute. For this reason, the Bureau has a duty to delete this account 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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XXXX XXXX, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 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: NC

Complaint narrative:
Section 611 ( e ) of the Fair Credit Reporting Act : Federal Trade Commission Program Referring Consumer Complaints About Possible Act Violations To The Three Nationwide Consumer Reporting Agencies, and Securing Complaint Resolution Information From Them : Tags : Privacy and Security. Credit Reporting.Dec XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX PLEASE DELETE THESE ACCOUNT FROM ALL THREE NATIONWIDE CONSUMER REPORTING AGENCIES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-26 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: GA

Complaint narrative:
I have sent letters to Tranunion, XXXX, and XXXX informing them that charge offs are considered income and should be removed off of my consumer report immediately and permanently.

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 2023-01-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is my numerous request that you update this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation