vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-08 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: NJ

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. 

1.Validate Account XXXX XXXX XXXX Account Number : XXXX : 2.Validate Account XXXX XXXX XXXXXXXX Account Number XXXX XXXX 3.Validate Account XXXX Account Number:XXXX XXXX Account NumberXXXX Validate Account XXXX  Account NumberXXXX 6. Validate Account XXXX XXXX Account Number:XXXX Validate Account XXXX Account XXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account Number:XXXX Validate 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08 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:
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. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: NJ

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. 

1.Validate Account XXXX XXXX XXXX Account Number : XXXX : 2.Validate Account XXXX XXXX XXXX  Account Number : XXXX 3.Validate Account XXXX  Account NumberXXXX, XXXX Account Number:XXXX Validate Account XXXX Account NumberXXXX 6. Validate Account XXXX XXXX  Account Number:XXXX Validate Account XXXX Account Number:XXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account Number:XXXX  Validate 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08 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: MI

Complaint narrative:
As of XX/XX/XXXX a new credit card account was added to my credit profile. Address was added with it that belongs to an ex-girlfriends parents. Account was opened XX/XX/XXXX while we were together. I had no knowledge of this credit card and did not consent to co-sign for it. Account is in dispute with TransUnion and XXXX be calling XXXX XXXX during business hours to notify them. Credit limit on account is {$12000.00} with total use being {$9900.00}

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 explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXEquifax Disclosure Department XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 

This Personal Information I am disputing by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. is inaccurate or incomplete because 15 U.S.C 1681 section 602 A States I have the right to privacy. But also states that whatever is not 100 % accurate should be removed. I am requesting that the item be deleted and changed to accurate Information.

Enclosed Is a copy of my State ID supporting my position. Please reinvestigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
Hi so {$220.00} was taken out of my chime account on XX/XX/2022 without any authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: NM

Complaint narrative:
I submitted a dispute on my Equifax report, they claim they verified it as accurate, however did not provide original documentation with signatures and identification proving ownership! Also the accounts are showing as open while being a collection!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: MD

Complaint narrative:
XXXX. Inappropriate credit inquiry by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A store clerk has solicited and signed me up for a credit card in promise of no credit score impact. My credit score has been affected immensely making it hard for near future home purchase or getting other loans. I have neither consented nor authorized a hard inquiry on my credit account. 

2. Inaccurate late reporting of loan that was in forbearance due financial hardship. 
The XXXX XXXX  loans are now consolidated into one and transferred into another services. I have previously tried to dispute the inaccurate reporting to XXXX and credit reporting agencies but no luck. I have been recommended by financial advisors to use the CFPB portal to get these late payment reports off my credit report. See attached initial letters to XXXX and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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:
XXXX. Inappropriate credit inquiry by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A store clerk has solicited and signed me up for a credit card in promise of no credit score impact. My credit score has been affected immensely making it hard for near future home purchase or getting other loans. I have neither consented nor authorized a hard inquiry on my credit account.

2. Inaccurate late reporting of loan that was in forbearance due financial hardship. 
The XXXX XXXX loans are now consolidated into XXXX and transferred into another services. I have previously tried to dispute the inaccurate reporting to XXXX and credit reporting agencies but no luck. I have been recommended by financial advisors to use the CFPB portal to get these late payment reports off my credit report. See attached initial letters to XXXX and credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: FL

Complaint narrative:
1. XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08 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 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Acct : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/2023 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 -Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 

This Personal Information I am disputing by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. is inaccurate or incomplete because 15 U.S.C 1681 section 602 A States I have the right to privacy. But also states that whatever is not 100 % accurate should be removed. I am requesting that the item be deleted and changed to accurate Information.

Enclosed Is a copy of my State ID supporting my position. Please reinvestigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

-Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 

This Personal Information I am disputing by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. is inaccurate or incomplete because 15 U.S.C 1681 section 602 A States I have the right to privacy. But also states that whatever is not 100 % accurate should be removed. I am requesting that the item be deleted and changed to accurate Information.

Enclosed Is a copy of my State ID supporting my position. Please reinvestigate this matter and correct the disputed item as soon as possible. 

Sincerely, 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 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I already cleared my loans. But XXXX can not remove in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
During the XXXX pandemic although I am a nurse and was able to work through the pandemic, my husbands job was not deemed essential so he was not able to work for a short period of time and so our household was dependent on my income alone, and although we attempted to pay all of our existing bills. We unfortunately fell behind on the payments on our card.. we were late 1 month XX/XX/2020. We have since then made all payments on time and have paid off the balance and not missed a payment since XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08 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:
EXPERIAN LLC CREDOT BUREAU is refusing to honor my request to have items blocked due to identity theft. I have sent in all required documentation and have disputed items several times over past year. Experian is not properly investing claims, some of these accounts are " internet loans '', Accounts that dont even have a customer service center or number, and somehow these debts are being falsely verified. and Experian is not honoring my goverment document that i have uploaded in portal 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Renton Collections Inc.
State: WA

Complaint narrative:
My daughter went to XXXX XXXX XXXX last year with a fever. No treatment except for a XXXX test which came out as XXXX. They charged us {$250.00}. We tried to dispute and get insurance to cover it for several months, but finally gave up - not enough time in the day as we both work full time. 

The bills was paid on XX/XX/2022. I received a collection notice from " Renton Collections , Inc ''. They are attempting to collect a debt that was already paid off. I am not sure if this an attempt at fraud from XXXX XXXX XXXX ( double dipping ). 

I am sending a letter to the Collection Agency disputing this notice and am also contacting XXXX XXXX XXXX. The latter company has been incompetent in handling our bill, including miscoding entries which lead to insurance denial. 

Any assistance CFPB can provide to stop this XXXX XXXX XXXX  XXXX from fraudulently attempting to collect a debt twice will be appreciate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation