vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting 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: FL

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 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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC - XXXX, XXXX XXXX XXXX XXXX - XXXX, and 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 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 2024-01-09 00:00:00
Product: Credit reporting 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: FL

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. 

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 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 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 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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX is obligated by FCRA to report accurate accounting consumer has advised ALL the inqueries reported was fraud said companyhad 4 days accoeding to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX has 15 days to provide me with the name of the person ( s ) spoken to, documentation used, signed application with consumer wett ink signature. Consumer is NOTasking for an XXXX XXXX REPORT. If EQUIFAX does not have documentationto show these were in fact authorized it must but be removed and deleted ASAP. XXXX company is liable under SEC to follow certain rules. EQUIFAX XXXX File number 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 
I will be filling out Treasury Form XXXX and IRS form XXXX XXXX forms to audit consumers account. 
EQUIFAX is Securitizing consumers data, but yet refuse to provide consumer a copy of their CONSUMER FILE, not CONSUMER REPORT. 


EXHIBIT 32.2 CERTIFICATION PURSUANT TO 18 U. S. C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of Equifax XXXX ( the Company ) on Form XXXX for the period ended XX/XX/XXXX, as filed with the XXXX  and XXXX  Commission on the date hereof ( the Report ), I, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to my knowledge : ( 1 ) The Report fully complies with the requirements of Section 13 ( a ) or 15 ( d ) of the Securities Exchange Act of 1934 ; and ( 2 ) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company. 
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Operations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: IN

Complaint narrative:
When making a contribution to my HSA account through an electronic draft of my bank account, The provider says the transaction may take 5-7 business days to process. While this seems reasonable, the money is deducted from my bank almost immediately, but takes at least 7 business days to show up in my HSA account.

This seems unreasonable to me and makes me think that the company is profiting by holding my money as long as possible and not making my funds available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Kindly update my account this causing me a lot of stress and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm a casualty of fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help

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 2024-01-09 00:00:00
Product: Credit reporting 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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have received a call today and yesterday by the number XXXX ( XXXX XXXX, IA ). The voicemail script is following : " Hi this message if for XXXX XXXX  this is XXXX with Wells Fargo home mortgage executive office calling in reference to correspondence XXXX  received from you through the consumer financial protection bureau my phone number is XXXX operation are Monday through Friday XXXX until XXXX XXXX  central time thank you .... '' I have written the letter to WF CRD SVC addressed XXXX XXXX XXXX, XXXX XXXX IA XXXX ( XXXX ). As far as I understand the internet search, this office is meant for credit card offer ; therefore, her statement of home mortgage has the discrepancy. Also, I only know the phone number XXXX, therefore, I believe this call of XXXX is the action of some kind of illegal 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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data quickly would be enormously valuable. We are hoping to purchase a house. Kindly assistance

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 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I have been making payments on this account each month without missing any payments. It should not show that it is late or in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
See the attached file for confirmation of payment dates. 

On XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX  On the dates listed above I made payments on the account for the amounts listed in the attached document. Each time I have submitted those payments 2 days later I am charged a duplicate payment when only have submitted one online. This is supported by the fact I never received a confirmation email on the second payment. I have one account that I used to pay my bill, and on two of the charges I do not have enough in that account to pay the bill twice because I only transfer what is necessary for the payment. On the second payment the charge is declined and I am assessed a fee for the payment returning. 

This is fraud. And I have called multiple times to have this resolved, the last time being today ( XXXX ) and explained my situation. I spoke with an agent who advised I made 2 payments, when I know I did not and the lack of a confirmation email on the second backs up this claim. I asked to be transferred to a manager and upon transfer was hung up on. 

I expect not to be charged this fee and not have this happen again when I make a payment. If I have to contact my ISP and get my Internet usage history, the full detailed breakdown and get an attorney, I will do so and also be looking into time spent working on this issue, financial burden and being defrauded. 

I also hope the CFPB will look into this for fraudulent activity as well and take action. This has only occurred since Concora Credit has taken over Milestone and I've also had this issue on my Destiny and Indigo accounts, which are both serviced by Concora as well. If I have to file a separate complaint for those companies as well I will do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
In XXXX of XXXX we were in a forbearance plan due to medical issues in XXXX XXXX We received a letter from XXXXXXXX XXXX stating our loan had been sold. I Had called Freedom Mortgage asking about transfer of loan. Our first teller XXXX stated that our loan was still active that our letter in question was a scam I was put on hold transferred to teller number XXXX stated that XXXX plan ended in XXXX of XXXX she stated that we were almost 3 months behind she took our original mortgage an past due payments insured me for 12 months payments would increase to XXXX and We would receive a packet in the mail with a modification to loan .We did not receive a packet for modification. On XX/XX/XXXX received three letters one stating sale of home at auction, next letter stated not enough time for modification .ALL dated for XX/XX/XXXX .In XXXX the XXXX we tried to make payment which online status did not let us login .ON XX/XX/XXXX with letters received i called Freedom Mortgage Company First was told of foreclosure .Then we were told yes we there was a note for loan modification placed on hold again to next teller stating she does not know what Happened and our loan was sold. 
.She stated that she could not see where our loan was. Credit Reporting for Freedom Mortgage since transfer from XXXX shows no payment in transfer in 2 years we were always current until medical issues .Payments in history with confirmation due not match to any of our 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 explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
AN ACCOUNT WAS OPENED WITH MY INFORMATION ILLEGALLY AND AFTER REQUESTING VERIFICATION AND VALIDATION OF THE FRAUDULENT ACCOUNT FROM ALL XXXX CREDIT REPORTING AGENCIES AS WELL AS CALLING THE " CREDITOR '' of the ACCOUNT IT IS CONTINUING TO BE REPORTED TO THE CREDIT REPORTING AGENCIES AGAINST THE LAW AND WITHOUT MY AUTHENTICATION AND CONSENT CAUSING ME HARM, FINANCIAL INJURY, AND MENTAL ANGUISH OVER THE HARASSMENT AS WELL AS THE FRAUDULENT ACCOUNT ILLEGALLY BEING SOLD TO A THIRD PARTY XXXX XXXX IS WHAT THE LETTER SAYS I SENT A LETTER REQUESTING THE VALIDATION PER 15 U.S. Code subsection 1681a-x and the letter attached is how XXXX RESPONDED NO PROOF HAS EVER BEEN PROVIDED TO ME ABOUT THE VALIDATION OF THIS ACCOUNT AND I HAVE REQUESTED IT'S REMOVAL MULTIPLE TIMES

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Reporting wrongful information please correct this issue immediately or delete off 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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX Acct XXXX XXXX ) has violated my rights.

15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2024-01-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/2023 I attempted to log onto my Amex Bluebird dashboard but was met with an error code In response, I contacted customer service and went through the usual protocols to confirm my identity, I then went on to explain that I could not access my Bluebird Dashboard interface thus I could not access my account information to perform payments, transfers or deposits to various vendors. I also explained that I had attempted to access this information utilizing various Internet Browsers but that I still received the same results, I then questioned if there was a problem with the Website or if this was an issue directly related to my account only. At this point I was placed on hold for approximately 20 minutes after which I was told they could not rectify my problem but they would have to escalate the problem to get it resolved. At this point, I asked to be connected to a Technical Support ( in the hope of at least learning a reason or receiving a time line for resolution ). I held the line for 15 minutes with no further involvement from anyone, at which point I disconnected the call and attempted to contact a representative to get connected to Tech Support. 

On my second call, I went through the exact same process again with the same results. At this point, dealing with Customer Service had cost me close to an hour and a half of wasted time so I went online to obtain some way to contact American Express corporate. I was able to obtain a phone number and was connected to a corporate representative. After explaining my predicament, she assured me that she would relay my issues to Bluebird customer service and they would resolve my problem. After holding another 20 minutes I was again connected to a Bluebird representative, and yet again subjected to the exact same routine. 

At this point, I had been dealing with the Bluebird customer service department for well over two hours and was still no closer to getting an answer ( or a resolution ) to my problem. In the spirit of in for a penny, in for a pound, I gave it a final college try. I made one final call to Bluebird and once I was connected to a representative, I requested that I not be place on hold under any circumstances and we went through the exact same routine as I had already endured three time prior ( with the final result being EXACTLY the same. 

At this point, I have decided to refer this problem to a higher authority. I had believed that once I connected to your corporate office, that a resolution was right around the corner, evidently I was incorrect. Whats more interesting to me is the fact that after reporting this issue to four separate representatives ( that swore that they would escalate this problem to resolution ), even after 10 business days have passed absolutely nothing has changed nor have I received any notification of why I cant access my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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