vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: ID Analytics, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX conspired with XXXX, XXXX, XXXX, and Sagestream. XXXXXXXX XXXX. XXXX XXXX XXXX and many other third-party credit collection agencies an extension of my credit using extortion. XXXX XXXX XXXX is a financial institution and from the law standpoint, it has been made very clear that an alleged banking institution is prohibited from sharing, transferring, passing around, miss handling, trading, etc. under law 15 USC 6802, a banking or financial institution is supposed to communicate with the consumer to see if the consumer want their information shared with outside corporations or not. The Consumer shall have a choice to OPT out, however ; XXXX XXXX XXXX has ignored the law without consent from me as the consumer. The information had been placed on my consumer credit report without having a permissible purpose to do so. This is breaking the law, this is a violation of privacy about sensitive information that has been shared for profit with strangers. Also under law 18 USC 894 XXXX has conspired with each of these third-party corporations to steal my information and commit a crime against me as well as use my consumer credit report to threaten, and report derogatory information as a punishment when the law states that this is a crime to do so. 18 USC 894 says whoever knowingly participates in any way conspires to do so in the use of any extortion, it means to collect or attempt to collect any extension of credit or to punish any person for the nonpayment. There of should be a fine under this title or in prison not more than 20 years. 
Conspire means someone who commits a crime, who secretly does something, who teams up with others. This has been the abusive behavior for several years on going today as XXXX XXXX XXXX has caused theft, sold my property, teamed up with the credit agencies which are all third-party debt collectors, and still reporting derogatory against my consumer credit even after the law has identified that can not be done. 15 USC 1681b- credit agencies are only allowed to furnish consumer reports to those who have a permissible purpose as defined by the FCRA . There has never been any written instruction given any permission to share my information. Lastly, 18 USC 1028 AXXXX XXXX XXXX and each of these credit agencies are trading, passing around my private information for profit committing crimes of crimes against me as the consumer without lawful authority..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting 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.
State: TX

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX  XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XXXX The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX  - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2025-01-03 00:00:00
Product: Credit reporting 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.
State: TX

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX  XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XXXX The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My husband XXXX XXXX was a victim of fraud on his Webster Bank credit card ending in XXXX. On XX/XX/year> at approximately XXXX XXXX, He received a text message asking about a {$630.00} charge at a XXXX XXXX XXXX XXXX  at the XXXX XXXX XXXX XXXX in XXXX, XXXX. He did not make this charge so he said this was fraudulent and called the Webster Bank phone number that they provided. He opened a case with Webster Bank under case # XXXX. Webster Bank cancelled my credit card and sent me a new one in the mail. He later found out by Webster Bank that he had two fraudulent charges on XX/XX/year>. One at XXXX XXXX  for an amount of {$350.00} and another one at XXXX XXXX  for an amount of {$630.00}. Webster Bank initially refunded us the money for the two fraudulent charges. Today, we found out that the Webster Bank took the money back out of my account for an amount of {$980.00}. We called Webster Bank again and they informed me the XXXX XXXX XXXX denied our claim because whoever picked up the items in the store provided an ID for pickup. We tried calling XXXX XXXX XXXX, but I was unable to speak with anyone. We were told I we would receive a phone call at a later time. The order number for XXXX XXXX XXXX for the {$630.00} charge was # XXXX. The order number for the {$350.00} charge was # XXXX. | dont know who may have used my credit card information to make these charges. XXXX told the police they in fact were NOT checking photo IDs until late XXXX and they confirmed there had been fraud at their store. The bank is still refusing to refund our money. I dont feel like they did any research and denied our claim based on one manager at XXXX mistakenly saying that ID checks were conducted on that day. The bank is refusing to do any follow up. They are not doing their due diligence by calling XXXX and asking them to confirm the start date of ID checks. We did not make these charges and they are refusing to reopen the investigation even though we submitted a police report

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-03 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: GA

Complaint narrative:
All conspired, XXXX, XXXX, Transunion, and XXXX. XXXXXXXX XXXX  XXXX XXXX XXXX and many other third-party credit collection agencies an extension of my credit using extortion. XXXX is a financial institution and from the law standpoint, it has been made very clear that an alleged banking institution is prohibited from sharing, transferring, passing around, miss handling, trading, etc. under law 15 USC 6802, a banking or financial institution is supposed to communicate with the consumer to see if the consumer want their information shared with outside corporations or not. The Consumer shall have a choice to OPT out, however ; Each of these third-party credit reporting agencies has ignored the law without consent from me as the consumer. The information had been placed on my consumer credit report without having a permissible purpose to do so. This is breaking the law, this is a violation of privacy about sensitive information that has been shared for profit with strangers. Also under law 18 USC 894 XXXX, TransUnion, XXXX, XXXX, and XXXX XXXX XXXX has conspired with each of these third-party corporations to steal my information and commit a crime against me as well as use my consumer credit report to threaten, and report derogatory information as a punishment when the law states that this is a crime to do so. 18 USC 894 says whoever knowingly participates in any way conspires to do so in the use of any extortion, it means to collect or attempt to collect any extension of credit or to punish any person for the nonpayment. There of should be a fine under this title or in prison not more than 20 years. 
Conspire means someone who commits a crime, who secretly does something, who teams up with others. This has been the abusive behavior for several years on going today as all have caused theft, sold my property from one agency to the other without consent, teamed up with the credit furnishers who are prohibited from sharing, transferrin, passing around, trading, etc information without my consent or authority, they and still reporting derogatory against my consumer credit even after the law has identified that can not be done. 15 USC 1681b- credit agencies are only allowed to furnish consumer reports to those who have a permissible purpose as defined by the FCRA . There has never been any written instruction given any permission to share my information. Lastly, 18 USC 1028 Each of these entities is still breaking the law. each of these credit agencies is trading, passing around my private information for profit committing crimes against me as a consumer without lawful authority..

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 2025-01-03 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: GA

Complaint narrative:
All conspired, XXXX, Equifax, XXXX, and XXXX. XXXXXXXX XXXX. XXXX XXXX XXXX and many other third-party credit collection agencies an extension of my credit using extortion. XXXX is a financial institution and from the law standpoint, it has been made very clear that an alleged banking institution is prohibited from sharing, transferring, passing around, miss handling, trading, etc. under law 15 USC 6802, a banking or financial institution is supposed to communicate with the consumer to see if the consumer want their information shared with outside corporations or not. The Consumer shall have a choice to OPT out, however ; Each of these third-party credit reporting agencies has ignored the law without consent from me as the consumer. The information had been placed on my consumer credit report without having a permissible purpose to do so. This is breaking the law, this is a violation of privacy about sensitive information that has been shared for profit with strangers. Also under law 18 USC 894 XXXX, XXXX, Equifax, XXXX, and XXXX XXXX XXXX has conspired with each of these third-party corporations to steal my information and commit a crime against me as well as use my consumer credit report to threaten, and report derogatory information as a punishment when the law states that this is a crime to do so. 18 USC 894 says whoever knowingly participates in any way conspires to do so in the use of any extortion, it means to collect or attempt to collect any extension of credit or to punish any person for the nonpayment. There of should be a fine under this title or in prison not more than 20 years. 
Conspire means someone who commits a crime, who secretly does something, who teams up with others. This has been the abusive behavior for several years on going today as all have caused theft, sold my property from one agency to the other without consent, teamed up with the credit furnishers who are prohibited from sharing, transferrin, passing around, trading, etc information without my consent or authority, they and still reporting derogatory against my consumer credit even after the law has identified that can not be done. 15 USC 1681b- credit agencies are only allowed to furnish consumer reports to those who have a permissible purpose as defined by the FCRA . There has never been any written instruction given any permission to share my information. Lastly, 18 USC 1028 Each of these entities is still breaking the law. each of these credit agencies is trading, passing around my private information for profit committing crimes against me as a consumer without lawful authority..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-03 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX  following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The  following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The  following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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 non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
can not login or obtain credit information. including results on active disputes. i have seen system errors and no response from the company

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