vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-29 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 XXXX XXXX XXXX. 

The letters are stated with items and issues. 

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 non-monetary relief
Consumer complaint received 2023-07-29 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: CA

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: CA

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: AL

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.

The letters are stated with items and issues.

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 2023-07-29 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: AL

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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XX/XX/2023 I sold my collection to another person. We used PayPal for the transaction of {$1600.00}. Paypal took out a fee of {$47.00}. Leaving me with {$1500.00}. Paypal informed me that it will take 21 days for the money to clear to make sure the buyer was protected. I waited the 21 days. On XXXXXXXX XXXX XXXX XXXX, I checked my account and they were permanently disabling my account and that I can not use PayPal anymore, they stated they will hold my balance for 180 days. I did nothing wrong to have this happen. I want my money from this account. I called the business and they stated they did not see any reason why this happened but had to send this to the review board, which can take 7 days. 
I want Paypal to remove the limitations and I want to be able to get my money and transfer it out of PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I submitted a dispute on XX/XX/2023 and cc it to this agency and also to real pages and leasing desk as we'll as Experian, regarding and incomplete and inaccurate eviction that they all are currently reporting to my file this information has hindered me from obtaining residency, the reason this information is incomplete and inaccurate is because the report which is attached has no eviction balance reported in addition there is no data that supports a judgment of eviction that has been found again public record, I requested that this information be removed and or deleted.

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 2023-07-29 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: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I saw a report on my credit that said I was taken to collections by XXXX I have no XXXX account nor have I ever XXXX could not tell me about any account under my name and told me to report it as fraud If this isnt XXXX I also have no debt with anyone. 

I have never received a piece of mail with a bill. 

My credit took a big dip and this is hurting me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: AL

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.

The letters are stated with items and issues.

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 2023-07-29 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I keep all of my credit frozen. TransUnion had and still has an error on it's website that prevents the freezing process. 
In XX/XX/2022 I had my HVAC  replaced and I did get a home improvement loan with XXXX. 
Afterward I was able to refreeze my credit with all the bureaus except TransUnion. 
Due to this the following fraud happened : The HVAC  went fine and it was explained that the loan would not occur until after installation, which is exactly how things happened. It was installed, XXXX  called to verify installation and I received the loan documents to sign. 
A week later a sales representative from XXXX XXXX came to my home. 
I decided to pursue this for the betterment of my future and the Earth 's wellbeing as well. 
The salesperson got on my WiFi, he got on my XXXX to check my electric bill history. He explained the loan would be the same bill for the life of the loan and electric would only continue to increase. 
He said the loan would not start or be signed for until after installation, which was my current experience with my recent HVAC installation. 
I had no reason not to believe him. 
I thought my credit was frozen anyway. 
So, I answered questions, there's an amount of trust that goes with allowing a person into your home and to make structural changes there. 
I had no reason to believe this person was going to do things against my consent and to defraud me. 
Afterwards, the installation never occurred fully. 
I told the finance company who called, XXXX XXXX, that the installation was not completed. 
They paid anyway ( you can read more about this in my complaints on XXXX XXXX ) to which I immediately began reaching out in writing to them to dispute this. 
At this point I realized something was wrong with my credit freeze.

I checked and the only one open was TransUnion. 
I contacted them via XXXX because their website had serious issues and the contact form did not even work. 
Their response was non existent. 
I contacted them three more times, in addition sending handwritten letters and documents proving that this loan was not ever accepted nor agreed upon by myself. I explained the TILA violations and the fact that I never signed for anything with this company.

TransUnion kept putting the item back on my credit report despite all of these facts.

Not only can I still not manage anything on my credit report from TransUnion but their site is basically inoperable.

It seems they are a scam company attempting to defraud Americans.

Please do something to shut down TransUnion.

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 2023-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: AL

Complaint narrative:
I was approved for a College Student card in XX/XX/2023 with a {$500.00} credit limit. The application asked for household income and I listed it. I am in college & only receive financial aid, scholarships, & student loans. My mother takes care of me & claims me on her income tax. 

I signed up for a credit monitoring service with Discover & received an alert that my info was on the dark web, that I was involved in a data breach, & that someone was using my info ( name, SS #, & DOB ) in another state. Discover had me provide ALL types of information to verify my identity & households income! I did EVERYTHING asked, including uploading IRS forms, uploading my ID and Social Security card, my moms income tax return to show income and proof of identity, speaking to a live person, MULTIPLE times! Only to NEVER be able to use the card & then to get an alert that my account has been closed and my credit score has DECREASED!! 

Other than coming to verify IN PERSON, I dont understand what could not be verified as far as my identity! To be my 2nd credit card, this was very disappointing and EMBARRASSING ( when I kept getting a decline in XXXX )!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have attached my credit report to this complaint to show that you are reporting an inaccurate account on my credit report. The account XXXX XXXX XXXX XXXX is more than 7 years old, and it was transferred to another lender. You are also reporting the XXXX as XX/XX/2020 which is incorrect. Experian and XXXX removed this account, but your company has failed to do so and ignored my initial dispute letter. I am requesting the removal of this account immediately from my consumer report.

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 2023-07-29 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:
I have attached my credit report to this complaint to show that you are reporting an inaccurate account on my credit report. The account XXXX XXXX is more than 7 years old, and it was transferred to another lender. You are also reporting the XXXX as XX/XX/2020 which is incorrect. XXXX and XXXX removed this account, but your company has failed to do so and ignored my initial dispute letter. I am requesting the removal of this account immediately from my consumer report.

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 2023-07-29 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: MD

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX XXXX Balance : {$4700.00} XXXX  XXXX Balance : {$11000.00} XXXX  XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: GA

Complaint narrative:
I XXXX XXXX sent in a credit dispute letter in regard to a Bankruptcy - dismissed that is appearing on my credit report. I have tried multiple times to dispute this matter with the credit bureaus but nothing further happens. The Credit Reporting company have listed the data furnisher being " United States Bankruptcy Court of XXXX XXXX XXXX ''.- Which is false. On XX/XX/XXXX I sent in a letter asking for clarification from the court in which i was sent back a letter that I have attached from the Stated Bankruptcy Court verifying and stating that they do not verify or furnish any credit reporting information to the credit bureaus. The credit reporting is falsely reporting this information on my credit report and yet to remove this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: MI

Complaint narrative:
unauthorized inquiries no written consent collections reported incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTSTAR MORTGAGE CORPORATION
State: FL

Complaint narrative:
My original mortgage was with XXXX XXXX, and immediately I made the purchase of my home, it was sold to Weststar Mortgage Corporation. This has been the most horrific experience. They are so backwards in everything. I have had issues with them in the past, of them refusing to show detail of new charges, or provide me a simple amortization schedule, etc. 

For the month of XXXX, they suddenly increased my mortgage payment about {$600.00} without warning or a breakdown of the new charges as usual. This increase is too high for me not to have received any detail in the mail or even an email notice of the increase prior to being charged. Their description is to " miscellaneous '' charges. I do not know what these miscellaneous charges are. I have never made a late payment. I do have a direct deposit with them that pays them automatically every XXXX of each month, for the following month 's bill. This way, I have ensured all payments are made on time. This new increase has already been taken out of my account without my consent for the increase. 

As mentioned above, I have previously had issues with this company because they failed to show me detail increases in the past. In the post, I was told the increase was due to additional charges to my escrow account even though nothing has changed. They increased my escrow however they want based on some " estimates '' they have came up with. They failed to explain how their estimates are determined. I have requested for them to cancel my escrow account but they refused even though I paid 20 % down payment and not required to have an escrow account. 

I am requesting a review of their policy. I believe they have been practicing illegitimate business and mistreating customers with limited knowledge of how mortgage works.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: EGL US, LLC
State: LA

Complaint narrative:
The company is still not acknowledging they fault i need to get this complaint to the highest level of employee there, they are still reporting 2 open loans which thats not accurate, and a charge off but payments were made

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: FL

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX.

Company response to consumer: Closed with non-monetary relief