vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 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 to the Fair Credit Reporting act. The list of accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : 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 2022-10-06 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 to the Fair Credit Reporting act. The list of accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXXXXXX 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 : 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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United Shore Financial Services, LLC
State: OR

Complaint narrative:
To whom it may concern, My initial interaction with United Wholesale Mortgage was brief and seamless. Unfortunately, my experience has quickly gone downhill. I currently have three mortgages under my name, and I have never missed a payment. My first step of owning a new property is setting up autopay. 

I set up autopay on XX/XX/XXXX, please see attached email confirmation that was sent to me. On XX/XX/XXXX I received a letter in the mail stating that my loan was going to be in default if I dont pay my mortgage. I called into UWM and set up autopay again on XX/XX/XXXX with the help of a representative, please see attached email confirmation of this. I received another letter in the mail saying my loan was in default because my loan was not paid on time. I set up autopay for a third time on XX/XX/XXXX, calling in UWM afterwards to express my concern with the matter. The UWM employee was very helpful and encouraged me that this technical problem with setting up autopay would not negatively impact my credit score.

Unfortunately, because of their system to set up autopay failed me, my credit went down more than XXXX points. I had an excellent credit score XXXX and never paid late on prior debts. I have contacted UWM and submitted formal complaints with all levels of customer service representatives. They explained to me that because, technically, my payment was late, they could not do anything about correcting this issue. My rebuttal to them is that the payment was only late because of their failed system. I took immediate initiative to resolve the problem when it was brought to my attention. UWM told me that I needed to contact XXXX and put in a claim with their customer service team. UWM and XXXX both gave me the run around and treated me like a number on a spreadsheet, not a human being. 

I am a small scale real-estate developer in XXXX, XXXX, and having a good credit score is crucial to my success. Please, contact me for any additional information needed to complete this investigation. 

Thank you for your consideration, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: PA

Complaint narrative:
So today I received a notification that a XXXX XXXX credit account, allegedly mine was closed. I then used due diligence and fully investigated my credit report, and noticed an immense number of things on my credit report that didn't belong to me. First and foremost, I was just incarcerated for attempted murder and a number of other offenses, from XX/XX/XXXX to XX/XX/XXXX ; I served a sentence of XXXX to XXXX at XXXX XXXX XXXX XXXX XXXX in the Pennsylvania Department of Corrections. With that being said, the XXXX  XXXX account which I previously mentioned was opened in XX/XX/XXXX which indicates that I couldn't have opened this account being as though I was in prison. Furthermore, Experian, XXXX, and XXXX has engaged in the act of fraud, violating 15 USC Section 1651e et seq, as they have reported fraudulent information concerning me which I did not consent to, approve of, etc. Wherefore, I am asking that the credit bureaus and/or reporting agencies remove the following accounts from my credit report, as well as, any inquiries ( hard or soft ) that are related to these accounts. The accounts are as follows : ( 1 ) XXXX  XXXX opened on XXXX XXXX, XXXX ( 2 ) XXXX XXXX XXXX  opened on XX/XX/XXXX ( 3 ) XXXX XXXX opened XXXX XXXX, XXXX ( 4 ) XXXX/XXXX  opened XX/XX/XXXX Please, delete these items from my credit report, as I was locked up while all of these accounts were opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: ADP Inc.
State: TX

Complaint narrative:
This is issue with ADP. Since the beginning of 2022 my company has been unable to print out checks without encountering error message which will take over an hour before printing. 
I made several complaints with ADP and eventually I was told that this is due to having too my employees, just XXXX employees. I told ADP supervisor that my company had 400+employees before and did not have this problem. The supervisor suggested I should switch to another option which will cost around {$1000.00} per month. Presently, my business is paying just {$32.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I buy tools on XXXX XXXX the guys ask me to pay him through zelle. I do. {$170.00} on XX/XX/XXXX. XX/XX/XXXX $ XXXX the shipping fee {$60.00}. I do then a clearance fee {$87.00} then another clearance fee {$87.00} because the guy asking for it said he reached his limit on the email address he gave me to send his money. So he said after work he would send the money refund it back. And the seller said he would refund {$60.00} I accidentally send him extra. Also he wont give me the full tracking number for the package. He paints out the middle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: GA

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, A XXXX ; XXXX XXXX XXXX XXXX XXXX, A XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 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: GA

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Received an automated text stating : My Best Buy Credit Card : Thank you for applying for My Best Buy credit card. Visit http : XXXX for the credit card terms and conditions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
see FTC report # XXXX this account first reported on my credit report in XX/XX/2022. i requested Exeter provide me with the alleged contract with the " terms '' they stated I agreed to. They never provided me with this alleged contract which is proof of fraud/identity theft because i never signed a contract with them. They are invading my privacy, harassing me, threatening to STEAL my property & it does not belong to them nor have i given them any security interest. They have never loaned me anything. I have never agreed to anything with them & they have failed to provide any proof. I am demanding a cease & desist of all illegal activity. If they can't provide me sufficient documentary evidence that i have any legal obligation to pay them or to seize my property & Exeter continues their efforts, I will file for litigation for actual damages caused & they will be held criminally liable. Your prompt attention & response are both requested & required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
Re : Barclay 's XXXX XXXXXXXX XX/XX/2022 I purchased a week of XXXX XXXX XXXX for my son for {$95.00}. 
XX/XX/2022 Per XXXX  policy, I sent notice of cancelation within guidelines. 
XX/XX/2022 XXXX stated they would refund. 
Refund not on account. I called Barclay 's to dispute. They removed the charge to research. 
XX/XX/2022 2 charges of {$95.00} for a total of {$190.00} from XXXX XXXX were billed back to my account. XXXX said they don't have any re-bills. Barclay 's won't remove charges that are now double. I have XXXX conversation in writing. Barclay 's claims they do not have email to forward conversation. No one is stepping up to fix and now I am at risk of credit score dropping if I don't pay a double charge that should have been refunded 6 months ago. I have called Barclay 's multiple times and they run around in circles. Help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: AR

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. 

XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX OF XXXX : XXXX, XXXX XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX : # XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX All has clearly 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 2022-10-06 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: NY

Complaint narrative:
To Whom It May Concern : This is a notice that the following account notations and or items violate customer and consumer laws. If these errors are not corrected immediately you will be subjugated to penalties described in 15 U.S.C. 1681 n Civil liability for noncompliance. 
These are the errors that must be corrected immediately to avoid corresponding penalties : XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX  XXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX  XXXX  XXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XXXX XX/XX/XXXX REMARK 30 DAYS XXXX DUE ; Update to PAID My latest TRANSUNION File Number XXXX 15 U.S.C. 6802 Obligations with respect to disclosures of personal information ( a ) Notice of requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

The aforementioned Corporations have not provided a notice that complies with 15 U.S.C 6802 ( a ). This is a violation of consumer and customer law.

Also Congress has mentioned consumers right to privacy on many occasions such as in 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumers right to privacy. Emphasis added Do not delete the accounts referenced above, correct it so it reads PAID. Your company has violated consumer protection laws numerous times in relation to these accounts reporting and has shared this incorrect information with countless companies causing me actual harm. Correct your illegal reporting immediately. In occurrence with well establish consumer protection laws. 
If you can not procure and produce a statement signed by me allowing them to share such negative information you must remove these negative items at once. These documents should be in your possession now. You shouldnt have to contact the Corporations listed above. Without delay remove these negative notations from my consumer report with haste as my ability to contract in commerce is presently being negatively affected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XX/XX/2022 DEAR CUSTOMER XXXX ABOUT XXXX : I AM XXXX XXXX XXXX THE XXXX REASON OF OPENING AND FILING A CPMPLAINT AGAINST BJ 'S CREDIT CARD CORPORATION IT'S FOR THE FOLLOWING REASONS ON THE MONTH OF XXXX 2022, THIS CORPORATION MISTAKENLY HAPPEN TO RECEIVE XXXX ELECTRONICALLY FULL PAYMENTS OF THE EQUAL AMOUNT OF {$170.00} FROM XXXX DIFFERENT BANKS INSTITUTIONS ON MY BEHALF TO COVER FINAL REMAINING BILL OF SRPTEMBER THAT WAS DUE ON THE XXXX OF THAT MONTH AS SOON AS I REALIZE WHAT HAS HAPPEN I DID REQUEST THE XXXX XXXX XXXX XXXX TO STOP THAT PAYMENT THAT I DIDN'T AUTHORIZE : THE CREDIT UNION DID COMPLY WITH MY REQUEST, HOWEVER TO MY SUPRISE I HAPPEN TO RECEIVE XXXX CREDIT CARD STATEMENT WIT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: FL

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter to Experian on XX/XX/2022, requesting to investigate and verify the accuracy of the accounts on my Credit Report. These accounts are reporting erroneous information on my File. Despite the previous written requests sent to Experian, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Experian to investigate the erroneous accounts and have them corrected or deleted from my file. 

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 explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I applied for an apartment with a realtor and underwent a tenant screening and I was denied because of my consumer report I reached out to Chexsystems and XXXX  but I have not received a report explaining the reasons or a full report was not provided to me. I am a victim of identity theft and I am requesting a copy of my consumer report so that I can be able to dispute any fraudulent debt or accounts on my record.

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