vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I would like to make a complaint against TransUnion for reinserting an inaccurate fraudulent account on my consumer file. As a consumer, I am aware according to the law that if any information is deleted from my file the information may not be reinserted if I am not notified five days after the reinsertion. I was not notified that the reinsertion took place nor was I provided any information from the furnisher or TransUnion saying that the information is complete and accurate. 

Furthermore, this account was also listed on XXXX and XXXX as well, yet TransUnion is the only consumer reporting agency that reinserted this account. If it was in fact verified from the furnisher, why is it not on the other two consumer reporting agencies? I am also aware that I am required to give you consent to report anything to my file. If I did not give TransUnion consent to report this information on me, your wrongdoings are considered fraudulent. 

I am also aware it is your duty to uphold fair and accurate reporting. This is not considered fair or accurate. 

TransUnion is partaking in fraudulent activity as well as extortion by bringing financial harm to myself and my reputation. Racketeering activity is described as two more activity patterns that have both been executed by TransUnion. I am also aware that racketeering can lead up to imprisonment for more than 20 years. This is my last step before I intend to not only sue but to press charges against the XXXX & XXXX, XXXX XXXX and XXXX XXXX for racketeering activity.

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 2022-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In 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 : 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 2022-08-13 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I recently was denied an extension of credit due to inaccurate information being furnished to my credit report by Wells fargo which has ruined my reputation. Wells fargo privacy policy does not supersede federal law. Congress has made it clear that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Wells fargo 's failure to maintain the integrity of my nonpublic information has caused me substantial harm and inconvenience to my financial reputation due to fraudulently furnished late payments without my lawful authority. Congress has also stated that unfair credit reporting undermines public confidence, which congress has made clear, is essential to the continued functioning of the banking system. Pursuant 15 U.S. Code 1666b ( a ), A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. My initial letter, which was received by Wells fargo on XX/XX/2022 ( Tracking # : XXXX ) Wells fargo has failed to provide me with proof such as a tracking number or a certified mail return receipt bearing my wet signature that they adopted reasonable procedures to insure my periodic statement was delivered to me no later than 21 days before the payment due date, these alleged late payments must be removed. Wells fargo has violated federal law and spread negative information about me in an attempt to coerce me to pay an alleged debt. Wells fargo has sold my customers private information and misrepresented facts of contract in an attempt to extort me. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. I am demanding the following late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment is submitted to the credit reporting agencies immediately in order to prevent me from receiving more harm as a result of the fraud that has taken place. If not I will have no choice but to escalate this up to the attorney general and I will point out just how deep this fraud goes and how Wells fargo and the credit bureaus have been working together to commit fraud and violating the privacy of millions of its customers. Such acts on a grand scale is grounds for investigation according to The Racketeer Influenced and Corrupt Organizations Act.

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 2022-08-13 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: FL

Complaint narrative:
Equifax is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. Wrong names being reported. Inquiries that I did not authorize being reported. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Equifax is breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I am writing today because my identity was stolen and used not once but twice. I received notice from a company called FIRST CREDIT SERVICES claiming I owe {$700.00} XXXX. I immediately reached out to FIRST CREDIT SERVICES in XX/XX/2022 and explained that I did not open an account with them or their affiliates and that there was some mistake. FIRST CREDIT SERVICES requested I send a fraud dispute letter in writing and a specialist would contact me regarding the unauthorized accounts. As of today FIRST CREDIT SERVICES has not responded to my fraud request or given me any helpful information to help me. This companies have ignored me and my rights and reported this account to the credit bureaus. I have reached Out to the credit bureaus and they are holding an investigation. I have also filed a police report with my local authorities regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: FL

Complaint narrative:
Transunion is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Transunion is breaking the law.

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 2022-08-13 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: MI

Complaint narrative:
you have sent me this letter after my complaints This is my EMAIL. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX ( XXXX ) XXXX Social Security # XXXX This is Me if i have any more difficulties with this matters i will have to take a legal approach

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 2022-08-13 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: MI

Complaint narrative:
you have sent me this letter after my complaints This is my EMAIL. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX ( XXXX ) XXXX Social Security # XXXX This is Me if i have any more difficulties with this matters i will have to take a legal approach

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my 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 explanation
Consumer complaint received 2022-08-13 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: IA

Complaint narrative:
Went to go buy a truck told salesman i was already pre approved through XXXX  XXXX XXXX didnot know he ran my credit through 4 different credit sites until weeks later when I looked at my credit 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 explanation
Consumer complaint received 2022-08-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-08-13 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX account # XXXX below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX account # XXXX below has violated my rights XXXX5 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Well in short for several years now, I have been trying to pen a personal checking account with Chase Bank, XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX. I wasn't ever given a reason at any time why they wouldn't extend to me an account. Every time I went to open an account, they open it and after a second verification process, they close the account. when I speak to a supervisor all they can tell me is there are note in my profile that say do not open an account for me, but they have the right to not share the reason and that's all I get so all I want to do is know the reason and all I want to do is to resolve the matter and repair and reinstate my relationship with the institution please help me thank you. 
Dates XXXX XXXX XXXXXXXX XX/XX/XXXX Dates JPMORGAN Chase XX/XX/XXXX XX/XX/XXXX Dates XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Well in short for several years now, I have been trying to pen a personal checking account with XXXX XXXX, TD Bank North and XXXX  XXXX XXXX. I wasn't ever given a reason at any time why they wouldn't extend to me an account. Every time I went to open an account, they open it and after a second verification process, they close the account. when I speak to a supervisor all they can tell me is there are note in my profile that say do not open an account for me, but they have the right to not share the reason and that's all I get so all I want to do is know the reason and all I want to do is to resolve the matter and repair and reinstate my relationship with the institution please help me thank you. 
Dates XXXX XXXX XXXX XX/XX/XXXX Dates XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dates TD Bank North XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: VA

Complaint narrative:
On XX/XX/XXXX. 2022, I mailed the three credit bureaus a letter of dispute with supporting documentation by certified mail. As of date both XXXX and XXXX XXXX is still processing my dispute. 

I'm disputing an account reported as a delinquent account. My Experian credit report failed to indicate when account was opened, closed and failure to indicate when account was 30, 60 or 90 days in arrears, only displaying dashes which indicates " Data Unavailable '' preceding " XXXX XXXX " notated the following month. 

On XX/XX/XXXX Experian sent me an email notification " Dispute Open '' On XX/XX/XXXX I received another email notific3ation " Dispute Results Ready ''. I called Experian Dispute and spoke with a dispute representative on XX/XX/XXXX. She started an online dispute. 
Again I received an email notification " Dispute Open ''. XX/XX/XXXX another email notification " Dispute Result Ready ''. How could both disputes by mail and phone have the same 24 hour timeframe? 

Experian reponded the creditor 's information is valid. What information? Only information is balance amount and " Collection ''. Data still remained unavailable with dashes and no information of account open and close dates. 

I believe no Investigation was conducted by Experian. 
I'm excerising my consumer right by FCRA " I have the right to dispute incomplete inaccurate and unverifiable information ''. 
It's my understanding if an dispute is intiated by mail, the process continues in such manner and results returned to me by mail. 

I am submitting complaint to see statements for the validity of what's reported or have it removed from 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 explanation
Consumer complaint received 2022-08-14 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: SC

Complaint narrative:
XXXX XXXX XXXX  as original lender is incorrect also agency name is not listed also increasing amount owed is illegal, adding {$1.00} to amounts owed,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: IA

Complaint narrative:
Went to go buy a truck told salesman i was already pre approved through XXXX  XXXX XXXX didnot know he ran my credit through 4 different credit sites until weeks later when I looked at my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Went to go buy a truck told salesman i was already pre approved through XXXX  XXXX XXXX didnot know he ran my credit through 4 different credit sites until weeks later when I looked at my credit 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 explanation
Consumer complaint received 2022-08-14 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Company put these inquiries on my credit without my consent. I have no business with these companies at all. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation