vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 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:
N accordance with the fair Credit Reporting act XXXX  accounts 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 I have also requested validation of an item reported to you by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX .I have received my confidential medical records in response without a prior written release clearly violating my rights under XXXX XXXX 

Legal action is will commence against XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Should these item not be promptly removed from my credit report. I will pursue every legal route available against any agency responsible for reporting this violation. 

FCRA violation Remove all account because you are reporting inaccurate dates from when the collection was First received, last up dated and Removed dates are all different on all XXXX Credit bureau yall cant be getting the same information from the same source but have different dates you all have even also reset my 7 year removal date Several times which is a serious violation making it harder for me Financially with all this inaccurate information on my whole credit report for several years

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 2022-04-12 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: NV

Complaint narrative:
This account XXXX XXXX XXXX is been reported in TransUnion wrong for a long time. The date opened, original balance and payment history are incorrect. I disputed this account with TransUnion many times and to this date the account still shows the same errors. This account have incorrect information and its been on my credit report for a very long time.

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 2022-04-12 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number 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 15 U.S.C 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

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 2022-04-12 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: MO

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX 2. XXXX XXXX Balance : {$0.00} 3. XXXX XXXX XXXX XXXX Balance : {$340.00} 4. XXXX  XXXX XXXX Balance : {$0.00} 5. XXXX XXXX Balance : {$0.00} 6. XXXX XXXX Balance : {$0.00} 7. XXXX XXXX XXXX  XXXX Balance : {$0.00} 8. XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$3400.00} 9. XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} 10. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$2000.00} 11. XXXX XXXX XXXX Balance : {$1700.00} 12. XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX 1. XXXX XXXX Balance : {$0.00} 2. XXXX  XXXX Balance : {$2000.00} 3. XXXX XXXX Balance : {$0.00} 4. XXXX XXXX XXXX  XXXX Balance : {$0.00} 5. XXXX XXXX XXXX Balance : {$1700.00} TRANSUNION : 1. XXXX XXXX XXXX : {$0.00} 2. XXXX XXXX Balance : {$0.00} 3. XXXX XXXX  XXXX Balance : {$0.00} 4. XXXX XXXX Balance : {$0.00} 5. XXXX XXXX Balance : {$0.00} 6. XXXX XXXX XXXX XXXX Balance : {$0.00} - Late/Closed 7. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00} 8. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} 9. XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00} 10. XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} 11. XXXX XXXX XXXX Balance : {$1700.00} 12. XXXX XXXX XXXX Balance : {$860.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 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: MO

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX Credit Bureau has not XXXX XXXX the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX. XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX. XXXX XXXX XXXX XXXX : {$1700.00} XXXX. XXXX XXXX XXXX Balance : {$860.00} EQUIFAX XXXX XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$2000.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX  XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Late/Closed XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} 11. XXXX XXXX XXXX XXXX : {$1700.00} 12. XXXX XXXX XXXX XXXX : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: MO

Complaint narrative:
Upon reviewing my credit file, incorrect information were was found in my reports. The XXXXExperian/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$200.00} TransUnion : XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Balance : {$200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 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: MO

Complaint narrative:
Upon reviewing my credit file, incorrect information were was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$200.00} XXXX : XXXX XXXX XXXX Balance : {$200.00} Equifax XXXX XXXX XXXX Balance : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to 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 2022-04-12 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:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-12 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: FL

Complaint narrative:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-12 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:
This is a followup complaint due to my first complaint being returned as fraudulent. I am the sole person completing this complaint without the help of another party. I take my credit file very serious and I know that the credit reporting agencies are committing fraud against me. It is either the XXXX or Transunion or the companies that pay them to report invalid and incorrect information on my report. Pursuant 15 USC 1681 ( a ) ( 1 ) Congress states that the banking system is dependent upon my credit file to be fair and accurate. The listed items I have continued to have the credit report agencies correct have fallen on death ears and blind eyes. I am giving my written instruction now and demand that the following be removed from my credit report : XXXX, XXXX, XXXX, XXXX, XXXX XXXX ( misspelling of my name ), Chapter XXXX Bankruptcy XXXX and XXXX ( this is NOT MINE ), XXXX XXXX and XXXXXXXX XXXX XXXX ( this is NOT mine ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( misspelling of my name )

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 2022-04-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX ADVANTAGE : Balance {$660.00} XX/XX/XXXX PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX BANK XXXX XXXX. Original balance : {$730.00} XXXX XXXX PORTFOLIO RECOV ASSOC Original creditor : SYNCHRONY BANK Balance : {$860.00} XX/XX/XXXX CREDIT COLLECTION SERV Original creditor : XXXX XXXX IN. XXXX XXXX : Original : XXXX XX/XX/XXXX 2020

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My husband and I were under the Pandemic Relief Plan- Government with the mortgage company. In XXXX XXXX, we contacted XXXX XXXX because a remark from them was in our credit report saying that we didn't make payments. Mortgage companies weren't allowed to report customers that were under Pandemic Relief, however, they explained that they need to report that the balance went up. This reduced our credit score, and we couldn't do anything. We resumed our payments since XX/XX/2022 making payments every month. on XXXX XXXX, they reported a remark and all credit bureaus bring an average of XXXX points down to our credit again. We work really hard to have a healthy credit score and Mortgage companies can't make mistakes because for a customer is not correct and represent financial burdens, plus this types of remarks will stay in the records for 7 years.

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My husband and I were under the Pandemic Relief Plan- Government with the mortgage company. In XX/XX/2022, we contacted XXXX XXXX because a remark from them was in our credit report saying that we didn't make payments. Mortgage companies weren't allowed to report customers that were under Pandemic Relief, however, they explained that they need to report that the balance went up. This reduced our credit score, and we couldn't do anything. We resumed our payments since XX/XX/2022 making payments every month. on XXXX XXXX, they reported a remark and all credit bureaus bring an average of XXXX points down to our credit again. We work really hard to have a healthy credit score and Mortgage companies can't make mistakes because for a customer is not correct and represent financial burdens, plus this types of remarks will stay in the records for 7 years.

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 2022-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I noticed a collections on my credit report on ( XX/XX/2021 ) for the amount of {$300.00} The account was opened on ( XX/XX/2021 ) apparently. 

The lender was a company I've never heard of, Claiming I took out a loan in a different state. 

The lender refused to cooperate with any investigation as to who opened an account with them in my name. 

The lender will not tell me what the loan was for, or show proof that I was the one who opened the account. 

Apparently whoever opened the account had my SSN and that's good enough for them. 

It's an obvious scam. 

The Lender assures me that if i just give them a little bit of money they will go away and I won't have to worry about them any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: FL

Complaint narrative:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here..

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: FL

Complaint narrative:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here..

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-04-12 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: Verisk Analytics Inc
State: FL

Complaint narrative:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here..

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: LEXISNEXIS
State: FL

Complaint narrative:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here..

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation