vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: IA

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 XXXX5 USC 1681. 

XXXX XXXX XXXX : account # XXXX and XXXX : account # XXXX has violated my right. 

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 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 2023-05-05 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: IA

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 : account # XXXX and XXXX : account # XXXX has violated my right. 

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 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 2023-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: IL

Complaint narrative:
I signed up to Wise.com - I needed to transfer {$8200.00} to XXXX to pay a shipping company importing my household furnishings there. I submitted all the identity documents they requested ; I verified my bank account via their system and proceeded to make the money wire. I received a XXXX XXXX request to send more information : Why I needed to send these funds and who was the person I was sending these to. I guess I did not answer soon enough, and the account was closed. I saw the information request on my phone a XXXXXXXX XXXX, it was sent at XXXX XXXX. 

I sent an email with the information they requested at XXXX XXXX ( approx. ). 

I called their customer service and they said they could provide no information. 

I sent an Appeal email, but it can take up to 20 days. 

There is no basis for this action, all my personal data is legally compliant, verifiable and was shared with them. 
My credit score is almost perfect and my relationship with my bank is more than 25 years old. 

The only explanation is my XXXX name and my XXXX destination ( I am a bi-national, XXXX ) XXXX 

I feel I was typecast and discriminated against in the middle of the night and given no explanation or resource to appeal other than this open ended " send us an email and we will respond someday ''. 

If they are suspecting me of being a narco or money launderer because of my ethnicity they need to present their facts to back up their suspicions and give me an opportunity to respond. 

This is blatant XXXX discrimination unless explained in some other way. and if so, why can't I respond to whatever questions they have? 



XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I am receiving 6+ phone calls a day between the hours of XXXX and XXXX. Its harassing constantly getting phone calls when Im trying to sleep. I have asked them to stop calling so much and they completely disregard my wishes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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: MO

Complaint narrative:
My Investigation was completely ignored, accounts DONT belong on my report. Unresolved 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 CONSENT/INSTRUCTIONS. 

ALL ACCOUNT NUMBERS LISTED BELOW Has violated my rights for furnishing IDENTITY THEFT to UNAFFILIATED 3rd party consumer agency Account # - 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 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 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 2023-05-05 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: IL

Complaint narrative:
The Fair Credit Reporting Act requires consumer reporting agencies to be fair and respect privacy, XXXX, XXXX, and Experian are such agencies, and I have the right to protect my private information. Financial institutions much also respect privacy and confidentiality. the agancies can only share information with my written consent. I revoke any consent given. The financial institution did not inform me of my right to withhold information. The agencies are reporting adverse information without my permission, which is illegal. 15 USC 6801 States that it is affirmative and continuing obligation to respect the privacy of its customers. Please provide proof that the payments were late. if unable to do so, update my payment history to XXXX status ( paid as agreed, never late ) and supply XXXX XXXX with a corrected credit profile. Please provide this results in the next 15 days.

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 2023-05-05 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: GA

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized & Fraudulent credit inquiries on my TransUnion credit report. My latest credit report shows 15 credit inquiries that I did not authorize : 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 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 2023-05-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-05-05 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: CA

Complaint narrative:
A 30 day late was incorrectly placed on my credit report and I have placed countless calls to XXXX XXXX  to try and rectify this error. They continue to lie and cover up their mistakes and not letting me speak to a supervisor who the customer service agents say that is the only way to fix the issue but they are never available. I've asked them to " run their tapes back for quality assurance '' but that request is also ignored. 

I have not received a statement from XXXX XXXX  as they have the incorrect address on my account. The listed address is in XXXX XXXX, Az. I do not nor have I ever lived in XXXX XXXX, Az. I did not give XXXX XXXX  that address. I have not been properly notified of any billing concerns or regular statements. Pursuant to consumer Fair reporting act 1026.5 ( b ) ( 2 ) and 5 ( b ) ( 2 ) ( i ) my rights have been violated. I am requesting immediate reversal of the improperly reported to all credit bureaus.

As the lien holder, they should know my address associated with the DMV, registration and car insurance is still in CA. My primary address which is also my DMV registered address and a home I own. NO other creditors/car loans made this mistake. ONLY XXXX XXXX. 

Per Customer Service rep on XXXX the reason XXXX XXXX changed my address was because a change of address came in on XX/XX/2021 for the household of a sold home. This is also incorrect because the home wasn't sold until XX/XX/2021. Even if that is the case, XXXX XXXX changed my account information without verifying it with me, the borrower. 

I've asked several times for a curtesy reversal/corrections as my car is now paid off with this predatory bank. The customer services agent says " no because we've left messages for you and your account has been passed due before ''. Regardless if my account has been passed due before, this filing is inaccurate and I have not received statements and therefore should be removed from all 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 2023-05-05 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: NY

Complaint narrative:
Hi I recently checked my credit report and realized that the following account from XXXX XXXX  XXXX XXXX is an account I did not open. This account is really hindering my credit report and in result can not get a mortgage for a house I'm trying to buy.

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 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I recently applied for the US bank XXXX card. They were offering a sign up promotion to meet a minimum spend. I met the minimum spend and US bank promptly closed my account for no legit reason. In an attempt to remediate this issue, I called US bank several times to try and fix they issue. All the representatives are claiming to not have received the information I sent in even though I sent the documents several times. They are refusing to reinstate my account have essentially robbed me of the sign up offer I was promised.

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 2023-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: UT

Complaint narrative:
On XX/XX/XXXX I received confirmation from XXXX that my employer qualified for the PFSL, and that my school loans were going to move from XXXX to Mohela within 90 days of the letter. It is XX/XX/XXXX, and my loans are still with XXXX, and they are also marked as Forbearance, which I did not petitioned. I have called Mohela and they do not have any way of getting my loans from XXXX. I have contacted XXXX and they told me they can not transfer them until they receive something from Mohela stating that they need to be transferred. I have also contacted StudentAid, and they also have no answers or timeline as to when my loans will be transferred. Repayments will start shortly, and I need to know where I need to send them, and I would also like to have my employment count towards PFSL. Please help me. 

For reference, I am attaching the documentation that I received from XXXX  about my school loans. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX I was paying XXXX a month until XX/XX/XXXX they stop taking the payment XXXX XXXX Have put me in collection with 2 accounts!! How can they do that if this company is illegal

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 2023-05-05 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: MD

Complaint narrative:
On my Experian personal information account, Experian has not allowed me to dispute XXXX XXXX XXXX from my consumer report. I told them I just wanted to keep the name XXXX XXXX, they have purposely not given me the option to dispute online, so I called and customer service denies my option to remove the name nor the option to dispute it. Experian knows that I am the individual who is control of the account, but they still deny me. Experian claims it is to protect me but there is only one XXXX XXXX that lives in the same address as the one in my personal information. This is my consumer report and I determine what goes on my personal information and what does not. Attached to this report I have the two names on my personal information.

15usc 1681 ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the creditworthiness, credit standing, credit capacity, character, and general reputation of consumers. Experian believes they are bigger than what they actually are by denying my request to dispute/remove the name XXXX XXXX XXXX 15usc1681 ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Experian assumes they can remove the online dispute option to deceive the consumers giving us no choice but to call them but instantly getting denied.

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 2023-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: MA

Complaint narrative:
I bought a house that closed on XX/XX/XXXX and recorded on XXXX XXXX XXXX 
On the Closing Disclosure issued before the closing, page XXXX, issued by the Mortgage company, it states the Lender will be responsible to pay {$13000.00} as a Loan Broker compensation, but I'm suspecting they included it on my mortgage without disclosure it. I contacted the company but they are refusing to disclosure if it is included or not. If it is, I need an immediate reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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:
I check my credit regularly and I saw there was a collection on only TransUnion and not the other two companies. The collection agency is XXXX XXXX XXXX  for the accounXXXX XXXX XXXX opened XX/XX/2023, in the amount of {$920.00} I reached out to XXXX  and they could not find any of my personal information, I asked if there was a way they could give me something in writing and they said no because they could not find me in their system, they would not be able to send me anything in writing? Ok, so in the mean time I filed a dispute with TransUnion and was told to follow up with them on XX/XX/XXXX, I followed up today, XX/XX/XXXX and was told I am responsible for the charge of an account I don't even know what it is. They they told me I could file another dispute but I am afraid I will get the same results, that is why I am desperately trying other methods to have this fraudulent account removed from my credit report. If you please take the time to review my credit history, you will see it is spotless and continues to be so even after this so called bad account I took out, which I have absolutely no clue as to what it is. I have not received any form of communication from anyone other than me seeing there was a collection place on my account through TansUnion, no collection agency or no creditor has reached out to me to let me know of any of this. Please advise me on what to do. Thank you in advance for any and all of your 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 2023-05-05 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with XXXX  statues. Please remove the following accounts completely from my credit reports.Inaccurate 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 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