vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAIDXXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAIDXXXX XXXX XXXXACCOUNT NUMBERXXXXXXXXXXXXXXXXBALANCE $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXX XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID. ( Original Creditor : XXXX XXXX XXXX XXXXY ) ACCOUNT XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXXACCOUNT XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXXACCOUNT XXXX -ACCOUNT OPENED XXXX AS CHARGE OFF UNPAIDXXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID. 


15 U.S.C, 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 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 2023-05-18 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX XXXX XXXX  XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXXXXXXREPORTED AS COLLECTION UNPAIDXXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXXACCOUNT NUMBERXXXXBALANCE $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXX XXXX XXXXXXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID. ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXXACCOUNT XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAID.BANK OF XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX -ACCOUNT OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID. 


15 U.S.C, 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 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 2023-05-18 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: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account NumberXXXX Account Name : XXXX  XXXX  Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-05-18 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:
Transunion have received numerous documents for a bankruptcy dispute that was made in error at sc bankruptcy court Transunion has playing games about not having documents and lied about not receiving the documents about bankruptcy. I have attached the letter from SC Bankruptcy court about this Bankruptcy. Please take action and penalize Transunion about this situation its has been 4 months

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 2023-05-19 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: NC

Complaint narrative:
Victim of Identity theft XXXX account of XXXX on my 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 2023-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX Tel : XXXX ( XXXX ) Sir/Madam, I am writing to you to raise your awareness regarding an issue that I had lately with my funds which have been transferred to some fraudulent and illegal destination known under the name XXXX and I lost a total amount of : XXXX USD The details of transactions : XX/XX/2022 XXXX USD XX/XX/2022 XXXX USD XX/XX/2022 XXXX USD

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, I signed a lease with XXXX XXXX in XXXX, Arizona for a one bed one bath in a 4 bed 3 bath floorplan. I subleased in replacement of a prior tenant who had a personal experience and had to flee.This apartment is for university students and they offer random roommates which was what I was in. I was asked by the front desk verbally to submit an inspection via email since my resident portal was under technical difficulties since it was a sublease situation. I did as requested, I submitted all damages and prior usage of the communal areas, my room and bathroom area that I was accountable for. It was submitted on XX/XX/XXXX due to the technical difficulties they could not solve and the waiting process was not useful. This issue was solved verbally in the managers office at the property of University House. I added in descriptions of the damages. It was accepted by the XXXX XXXX XXXX verbally and also via email since they announced they received. XXXX XXXX  requested {$20.00} by every tenant in the apartment for a damaged couch in the communal area on XX/XX/XXXX which was already there prior to me moving in. I sent in the request for dispute since I announced it was damaged prior of moving in. They accepted my dispute due to evidence via email. Post my move out on XX/XX/XXXX, I let them know to please utilize my email so they wouldn't make the mistake of wrongfully charge me for damages. They replied XX/XX/XXXX via email yes acknowledging my email and told me to wait on disputing charges until a statement came in from them. I waited. On XX/XX/XXXX I checked in with them if they had time to check and dispute the charges. That's when I suddenly received the finalized statement of University House trying to collect the total of {$560.00} from me with false damage charges. On XX/XX/XXXX, I reminded them about my email and situation about the inspection submitted via email. They never replied to calls or emails which then led these false charges to the collection agency of Aldous and Associates : for damages that I am not reliable for. I attempted to dispute with the debt collection agency on XXXX of XXXX with concrete evidence. However, they denied my dispute upon the reasoning being none at all and sent back the lease of XXXX XXXX to my mailing address as their response. No other reliable reasoning. I want help with disputing the total amount of damages I was not reliable for : the total of {$560.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo closed a credit account on XXXX XXXX, 2016 and it's still reflecting on my credit report despite it being overly old.

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 2023-05-18 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX for a loan for the second time by XXXX XXXX. Branch manager XXXX fails to grant an overdraft on my card. On or about XX/XX/XXXX watched a man go in and obtain a loan got {$40000.00} and receive it. XXXX denied a loan for me. Its absurd XXXX issued XXXX lecture instead of empowering women. Beginning of XX/XX/XXXX watched men walk in and obtain a loan for the second time. Need money for self and business and kids. Will not tolerate the financial abuse any longer. This has been going on for over a year. XXXX thinks I am I a game. She needs to be wisen up and treat women with respect. I deserve respect and dignity just as everyone else does.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: PR

Complaint narrative:
In accordance with the Fair credit reporting act convergent account XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX has violated my rights. I have sent many certified letters to the original creditor company mentioned above and to the credit bureaus and they failed to provide me the copy or any such proof of their investigation results about my complaint. This is my 4th complaint and i decide to make this one directly formal with the CFPB because the original creditors company and the credit bureaus didnt do anything to respond or to solved this matter. I do not recieved any letter or document from the original creditor nor the credit reporting companies, in fact no real proof evidence of such or any invenstigation made. This is my personal information and I have the right by law to only be reported with 100 % accurate information. A lot of unverifiable delinquencies reported to my personal credit file and nobody takes an action with the credit reporting companies nor the original creditor company. Bellow are the confirmation numbers of the certified letters by date I have sent to try to solved this matter with the credit reporting company and the original creditor : XX/XX/2023 XXXX. # XXXX Transunion XX/XX/2023 XXXX. # XXXX XXXX Bank XX/XX/2023 XX/XX/2023 XXXX # XXXX Transunion XXXX XXXX XXXX # XXXX Transunion 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 writing instructions.

15 U.S.C 1681i ( a ) ( 1 ) ( a ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.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 2023-05-18 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: TN

Complaint narrative:
I checked my credit report and saw my personal information was messed up. I have misspelled names, my address, my phone number, and even my work history is not correct. I attach a letter with the correct address.

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 2023-05-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I checked my credit report and saw my personal information was messed up. I have misspelled names, my address, my phone number, and even my work history is not correct. I attach a letter with the correct address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I do not recognize inquiry from CCB/BreadXXXX  made on XX/XX/XXXX with removal date of XX/XX/XXXX. The other inquired was made by CCB/BreadXXXX on XX/XX/XXXX with removal datw of XX/XX/XXXX. Vendor has no number to call and they do respond to mail. 

my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN XXXX. 

This appears on my XXXX, XXXX and XXXX Credit. Report. I wish to have both inquiry remove from all Credit Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
This is an alleged debt that doesnt belong to me. 

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: NJ

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

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 2023-05-18 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: WI

Complaint narrative:
XXXX added the incorrect balance to my credit report after verifying the correct balance. I spoke with XXXX XXXX who misrepresented himself as a supervisor, and was unable to help me. I then spoke to XXXX XXXX ( supervisor of customer advocacy ) who stated there's nothing he could do about the balance until they verify it. This is extremely frustrating because I sent a copy of the discharge letter. The customer service I received from both XXXX and XXXX was very upsetting. I definitely regret that XXXX XXXX transferred my loans. Now my credit report is suffering due to this mistake. According to XXXX, it could be incorrectly reporting for 90 days or longer!!!!!

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