vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-04 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: TX

Complaint narrative:
This complaint is to inform the CFPB that the consumer reporting agency is reporting inaccurate information on my credit file. Included in this correspondence is a letter from XXXX. The parent company of XXXX XXXX the purchased the account. ( Partial amount number XXXX ) And had to be removed from my credit file due to the lack of validation. The account was sold to this company by The XXXX XXXX XXXXi. Which is still reporting on my credit file. I explained to a representative of this reporting agency that this is illegal practice. A collection agency can not sell an account to another agency and continue to report it on a consumers credit report. And as of today, the account continues to be reported on my credit file. 

Its the law.. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

I want this account removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: TX

Complaint narrative:
XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX COXXXX XXXX XX/XX/XXXX I am officially disputing the fraudulent information and requested an immediate investigation.

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 2023-02-04 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: NY

Complaint narrative:
XXXX XXXX has 20 inquiries allotted on my credit report that they refuse to remove that was fraudulently used to attempt to put credit in my name. They have allowed companies like XXXX XXXX, XXXX XXXX, put collections on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: NY

Complaint narrative:
XXXX XXXX has 20 inquiries allotted on my credit report that they refuse to remove that was fraudulently used to attempt to put credit in my name. They have allowed companies like XXXX XXXX, XXXX XXXX, put collections on my 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 explanation
Consumer complaint received 2023-02-04 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:
I found the following FRAUDULENT INQUIRIES on my CREDIT REPORT. I've sent multiple letters, called the CREDIT REPORTING BUREAUS, filed a CFPB REPORT and I have not received any 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 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I visited a dental office named XXXX XXXX XXXX here in XXXX, Texas. My dental visit entails just regular XXXX XXXX XXXX XXXX XXXX  I have XXXX XXXX, being covered for the services was not an issue. Per my review of the XXXX explanation of benefits, the entire visit was covered and I had a {$0.00} balance for the visit. However, I recently checked my annual Transunion credit report. To my shock and surprise, a XXXX XXXX  via XXXX XXXX XXXX XXXX ( Which is the Parent company for XXXX XXXX XXXX ) performed an account review " credit check '' on XX/XX/2022. To the best of my knowledge and according to the Fair Credit Reporting Act, they need my permission for that. My first concern is, can a healthcare provider check my credit without my consent or knowledge? I wasn't applying for credit to pay for any services. My insurance paid the entire bill. ( I have documentation up request ) I didn't request to be screened for a medical loan of any kind. Nor did the provider ask to be considered for a firm offer of credit. The only relationship between us is patient and healthcare provider. Also, with the hospital not even being a lender, it doesnt have the capacity to make any kind of firm offer of credit. For this visit, according to my XXXX insurance paid claim status I had a {$0.00} balance. So, this couldn't have been for collection purposes. The healthcare provider, didn't get any written consent or authorization from me. So at this point, I am puzzled why the invasion of privacy by this provider. To add insult to injury, all of my credit reports including Transunion, has been opted out of promotional lists supplied to creditors. My question is, would this be a FCRA XXXX violation? Or at the least a Deceptive Trade Practice violation.

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 2023-02-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account XXXX, Account name : XXXX Account number XXXX, Account name : XXXX  XXXX Account number XXXX, Account name : XXXX XXXX XXXX XXXX  Account number XXXX, Account name : XXXX XXXX XXXX XXXX Account number XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX Account number XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX Account XXXX, Account name XXXX XXXX Account XXXX my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account XXXX, Account name : XXXX Account number XXXX, Account name : XXXX  XXXX Account number XXXX, Account name : XXXX XXXX XXXX XXXX Account number XXXX, Account name : XXXX XXXX XXXX XXXX Account number XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX Account number XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX Account XXXX, Account name XXXX XXXX Account XXXX my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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:
I found the following FRAUDULENT INQUIRIES on my CREDIT REPORT. I've sent multiple letters, called the CREDIT REPORTING BUREAUS, filed a CFPB REPORT and I have not received any REMEDIES. 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 XXXXt

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 2023-02-04 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: CA

Complaint narrative:
I found the following FRAUDULENT INQUIRIES on my CREDIT REPORT. I've sent multiple letters, called the CREDIT REPORTING BUREAUS, filed a CFPB REPORT and I have not received any REMEDIES. 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 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 2023-02-04 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: PA

Complaint narrative:
I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I also reached out to the Consumer Financial Protection Bureau, because pursuant 16 CFR 313, the Bureau must enforce Federal Law. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed. 

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXX, TransUnion, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. XXXX, XXXX, TransUnion, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, XXXX, Transunion, XXXX and XXXX XXXX, are also in violation of XXXX XXXX XXXX ( a ) ( XXXX ), which 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. 

The admissions of the Department XXXX XXXX and XXXX XXXX XXXX XXXX in my consumer file are violations of Federal Law, pursuant to 20 USC 1232g XXXX b ). The XXXX XXXX Rights and Privacy Act is a federal law enacted to protect the privacy of student education records. FERPA protects public and private school records.

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 2023-02-04 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: PA

Complaint narrative:
I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I also reached out to the Consumer Financial Protection Bureau, because pursuant 16 CFR 313, the Bureau must enforce Federal Law. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed. 

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Equifax, XXXX, XXXX, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. Equifax, XXXX, XXXX, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, Equifax, XXXX, XXXX and XXXX XXXX, are also in violation of XXXX XXXX XXXX ( a ) ( 5 ), which states no consumer reporting agency XXXX 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 XXXX years. 

The admissions of the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX consumer file are violations of Federal Law, pursuant to 20 USC 1232g XXXX b ). The Family Educational Rights and Privacy Act is a federal law enacted to protect the privacy of student education records. FERPA protects public and private school records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Some one fraudulently made a credit inquiry on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, * TRANSUNION, XXXX AND XXXX have violated my consumer rights. 
15 U.S.C 1681 Sec 602 A : States I have the right to Privacy.

15 U.S.C 1681 Sec 604 A. Sec 2 : Also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 
15 U.S CODE 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
I have never given prior consent or have any contractual agreements with any of these creditors agreeing to report misleading representations of myself, the consumer. Please ensure the creditors and credit reporting agencies correct all errors relating to payment history, late payments, for I have never once consented to any such terms of agreement. Please provide the signed contract validating each and every one of the unauthorized inquiries. 
If no documentation bearing my wet signature can be presented with your response as verifiable proof, Than i insist you remove all unauthorized inquiries. Thank you!

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 2023-02-04 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: PA

Complaint narrative:
I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I also reached out to the Consumer Financial Protection Bureau, because pursuant 16 CFR 313, the Bureau must enforce Federal Law. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed.

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Equifax, XXXX, XXXX, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relates to. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. Equifax, XXXX, XXXX, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, Equifax, XXXX XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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. 

The admissions of the XXXX XXXX XXXXXXXX and XXXX XXXX in my consumer file are violations of Federal Law, pursuant to 20 USC 1232g ( b ). The Family Educational Rights and Privacy Act is a federal law enacted to protect the privacy of student education records. FERPA protects public and private school records.

Company response to consumer: Closed with explanation