vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-05 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: MA

Complaint narrative:
I have mailed package XX/XX/2022 to Transunion with astronomical amounts of incorrect/ inaccurate and incomplete information my credit report. I asked Transunion to correct all the information or delete the accounts. Due to these inaccuracies and incomplete information on my report it leads me to believe that my previous disputes were not address or investigated nor were they validated or verified as it pertains to most of the same accounts disputed. How can TransUnion have verified/ validated these accounts when they have inaccurate and incomplete information? This is very concerning to me as I as the consumer are not being taken serious and do so believe that no real investigation has ever been done by TransUnion due to the inaccurate information and incomplete information which I determined from TransUnion own report that I received. I need these matters to take immediate attention and for these matters to be resolved without delay. I would love to get an answer as to how they investigated/validated/verified these disputes and my previous disputes and what companies they used to do so. I would also like to know how they came to their conclusions when they are reporting inaccurate and incomplete information then wouldn't that mean that their results would be inaccurate and incomplete and therefore in direct violation of the FCRA.

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 2022-09-05 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: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
Theres a account open in my name on XX/XX/2022 with a balance of {$290.00} that I did not authorize nor request to be open

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: TX

Complaint narrative:
On XX/XX/2022 I contacted Equifax about removing accounts from my consumer report. I made several calls to the company. On my last call I was told that the XXXX XXXX collections account would be removed from my consumer report within the week. It has now been a month and the account is still there. I was a given a confirmation number XXXX. I let them know they are violating 15 U.S. Code 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-05 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: Synovus Bank
State: TX

Complaint narrative:
I called first progress numerous time also sent in a dispute letter about the 3 late payment on my credit report last one was sent in on XX/XX/2022 asking to remove the late payment and still haven't gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
I called XXXX XXXX numerous time also sent in a dispute letter about the 3 late payment on my credit report last one was sent in on XX/XX/2022 asking to remove the late payment and still haven't gotten a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-05 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/XXXX at approx XXXX I called chime to make a dispute for approx 15 unauthorized transactions for which I advised the rep that I had a police report as well, they told me that I would be able to submit it via my portal. 
I was ultimately never able to submit it and less than 24 hours later I received an email stating that they have conducted a full investigation for all the transactions and it was denied On XX/XX/XXXX at XXXX I received an email stating the claim was denied which is almost impossible to complete a full investigation on the claim that quickly and close the claim so quickly without even allowing me to submit my police report or anything else significant to this matter. 
This totally violates consumers rights according to REG E which protects us from these exact type of violations Logically theres no way to fully complete an investigation in less than 24 hours for that many transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: SC

Complaint narrative:
I have attempted to have these inquiries removed twice. I have asked the credit bureaus and lenders to provide proper documentation of proof of inquiries as I can concerns for fraud the response is that it has been validated. My disputes have been opened and closed within such a short window that I doubt the information was actually validated. 

I would appreciate if the hard inquiries be 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 2022-09-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have attempted to have these inquiries removed twice. I have asked the credit bureaus and lenders to provide proper documentation of proof of inquiries as I can concerns for fraud the response is that it has been validated. My disputes have been opened and closed within such a short window that I doubt the information was actually validated. 

I would appreciate if the hard inquiries be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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 following companies has violated my rights. 

XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  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, XXXX. 
XXXX XXXX XXXX XXXX NO NAME COMPANY? 
XXXX XXXX XXXX XXXX Dept. of Ed/XXXX XXXX 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 permission. 
Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies has violated my rights. 

XXXX XXXX XXXX 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 
XXXXXXXX XXXX  XXXX, XXXX. 
XXXX XXXX XXXX XXXX NO NAME COMPANY? 
XXXX XXXX XXXX XXXX Dept. of Ed/XXXX XXXX 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 permission. 
Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/2022 XXXX BANK OF AMERICA XXXX FRAUD MY XXXX TRANSFER GOT STUCK, I CALLED XXXX, THIS ENDED UP BEING A SCAMMER WHO CLAIMED TO WORK FOR BOA XXXX. IN DISTRESS I THOUGHT THEY WERE OFFICIAL. THE SCAMMER ACCESSED MY PHONE AND BOA ACCOUNT AND INSTRUCTED ME TO ENTER CODES. THEY DID THE SAME WITH MY XXXXXXXX XXXX  ACCOUNT THAT THE FUNDS WERE TO BE TRANSFERRED TO BUT XXXX XXXX LOCKED 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 2022-09-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-05 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
The company responded with debt validation. However, for the period that Progressive ( the original creditor ) states I owe them for coverage, I was insured by another company since they offered me a better rate. I have attached the declaration page showing my coverage so therefore I do not owe Credit Collection Services nor Progressive any monies, as I was not covered by Progressive. I kindly request that this be removed from all three credit bureau reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: The CBE Group, Inc.
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

CBE GROUP XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  XXXX XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-05 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 sec 602 A states I have the right to privacy.

15 U.S.C 1681 sec 604 A section 2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.

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 2022-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Filing an harassment complaint on Zales credit card 's collection company Comenity Bank. For the month of XXXX due to unforeseen circumstances a full payment could not be made. However the goal was to make a partial payment so as not to miss paying each month. However since that time Zales has been calling my repeatedly sometimes multiple times per day.

1. This screenshot shows a payment of {$50.00} was paid on XXXX XX/XX/2022. 

2. However since that time Commenity has called a total of XXXX times in 4 days beginning on the XXXX of XXXX a. XXXX XXXX ( 3 times ) i. XXXX XXXX. XXXX XXXX. XXXX b. XXXX XXXX ( XXXX times ) i. XXXX XXXX. XXXX XXXX. XXXX iv. XXXX v. XXXX vi. XXXX vii. XXXX XXXX. XXXX ix. XXXX x. XXXX c. XXXX XXXX ( 5 times ) i. XXXX XXXX. XXXX XXXX. XXXX iv. XXXX v. XXXX d. XXXX XXXX ( 4 times ) i. XXXX XXXX. XXXX XXXX. XXXX iv. XXXX e. XXXX XXXX ( 6 times ) i. XXXX XXXX. XXXX XXXX. XXXX iv. XXXX v. XXXX vi. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05 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: TX

Complaint narrative:
On XX/XX/2022 I contacted XXXX about removing accounts from my consumer report. I made several calls to the company. On my last call I was told that the XXXX XXXX XXXX  account would be removed from my consumer report within the week. It has now been a month and the account is still there. I was a given a confirmation number XXXX. I let them know they are violating 15 U.S. Code 1681.

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 2022-09-05 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:
On XX/XX/2022 I contacted XXXX about removing accounts from my consumer report. I made several calls to the company. On my last call I was told that the XXXX XXXX XXXX account would be removed from my consumer report within the week. It has now been a month and the account is still there. I was a given a confirmation number XXXX. I let them know they are violating 15 U.S. Code 1681.

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