vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX & XXXX XXXX Account XXXX XXXX ( Account ID # XXXX ) have 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 fumish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: WA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
That on XX/XX/2023 I sent a written notice to XXXX XXXX  XXXX XXXX XXXX XXXX opting out of credit reporting. XXXX XXXX XXXXXXXX XXXX XXXX XXXX has yet to respond to my demand.

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
That on XX/XX/2023 I sent a written notice to XXXX XXXX  XXXX XXXX XXXX XXXX opting out of credit reporting. XXXX XXXX XXXXXXXX XXXX XXXX XXXX has yet to respond to my demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
That on XX/XX/2023 I sent a written notice to XXXX XXXX XXXXXXXX XXXX XXXX XXXX opting out of credit reporting. XXXX XXXX XXXXXXXX XXXX XXXX XXXX has yet to respond to my demand.

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 2024-01-07 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: WA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-01-07 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:
I have already disputed these accounts in question 1. XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX. XXXX, XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX with the 3 credit agencies XXXX Transunion and XXXX and the furnisher of the information on XX/XX/2023 the credit agencies responded back to me claiming that they have investigated the matter with the reported companies and found that all information is accurate and verified. 
I have included a copy of my most recent credit report showing all the inaccuracies listed on my report. 
it is the credit agency duty to remove accounts they are unable to verify but they knowingly left the incorrect information on my report and that it self is a violation

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 2024-01-07 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:
I have already disputed these accounts in question 1. XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX. XXXX, XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX with the 3 credit agencies XXXX XXXX and Equifax and the furnisher of the information on XX/XX/2023 the credit agencies responded back to me claiming that they have investigated the matter with the reported companies and found that all information is accurate and verified. 
I have included a copy of my most recent credit report showing all the inaccuracies listed on my report. 
it is the credit agency duty to remove accounts they are unable to verify but they knowingly left the incorrect information on my report and that it self is a violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. XXXX and remove them.

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 2024-01-07 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: AZ

Complaint narrative:
Good morning, I am filing this complaint due to inaccurate reporting and a Chargeoff for my consumer report for XXXX XXXX. 

The first thing I noticed was the date opened was different. XXXX reported the date opened as XX/XX/XXXX. XXXX and Equifax reported the date as XX/XX/XXXX as the date opened. 
The date last reported was different as well. XXXX and XXXX reported the date last reported as XXXX Equifax reported the date last reported was XX/XX/XXXX. 
Lastly, the date last active was different as well. XXXX reported the date last active as XX/XX/XXXX. XXXX reported the date last active as XX/XX/XXXX. Equifax reported the date last active as XX/XX/XXXX. 
These items are violations of my consumer rights pursuant to 15 USC 1681.

As for the Chargeoff on my consumer report this is considered a certificate of indebtness. This is also considered income being reported on my consumer report. Income can not be reported on my consumer report.

I also added the Privacy Act of 1974. 
The Privacy Act of 1974 ( Pub. XXXX XXXX XXXX ( United States ) XXXX, XXXX XXXX. XXXX, enacted XX/XX/XXXX, XXXX XXXX. XXXX ), a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of information from a system of records absent of the written consent of the subject individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. Additionally, with people granted the right to review what was documented with their name, they are also able to find out if the " records have been disclosed '' and are also given the right to make corrections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Good morning, I am filing this complaint due to inaccurate reporting and a Chargeoff for my consumer report for XXXX XXXX. 

The first thing I noticed was the date opened was different. XXXX reported the date opened as XXXX Experian and XXXX reported the date as XX/XX/XXXX as the date opened. 
The date last reported was different as well. XXXX and Experian reported the date last reported as XXXX XXXX reported the date last reported was XX/XX/XXXX. 
Lastly, the date last active was different as well. XXXX reported the date last active as XXXX Experian reported the date last active as XX/XX/XXXX. XXXX reported the date last active as XXXX 
These items are violations of my consumer rights pursuant to 15 USC 1681.

As for the Chargeoff on my consumer report this is considered a certificate of indebtness. This is also considered income being reported on my consumer report. Income can not be reported on my consumer report. 
I also added the Privacy Act of 1974. 
The Privacy Act of 1974 ( XXXX XXXX XXXX XXXX ( United States ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of information from a system of records absent of the written consent of the subject individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. Additionally, with people granted the right to review what was documented with their name, they are also able to find out if the " records have been disclosed '' and are also given the right to make corrections

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have requested that XXXX and XXXX review the account from XXXX XXXX the account on my credit report was reviewed and updated from XXXX, XXXX and transunion show two different payment history on the accounts, I want these accounts removed, according to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). this account is't promoting accuracy and fairness because it's reporting wrong and conflicting information from both credit agencies, I do intent to sue if this isn't removed from 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 non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I had {$4900.00} in my Venmo account which I attempted to send to my primary bank account. Venmo offers an instant transfer but it said my bank was not compatible. I chose to do a standard transfer, which is advertised as XXXX business days, and all over the place there is fine print saying transfers initiated before XXXX XXXX will be credited the next business day and what not. I initiated my transfer on XX/XX/XXXX around XXXX and it said scheduled to be completed on XX/XX/XXXX. That was 3 days ago and I havent even gotten an update. The thing still says scheduled to be completed on the XXXX, and on the mobile app it says it was completed on the XXXX. Ive been on the phone with customer service and they provide zero answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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 could only check one box but there are other issues on my consumer report and that is my name is misspelled and there are numerous addresses that have never belonged to me. Please see attached.

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 2024-01-07 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:
I could only check one box but there are other issues on my consumer report and that is my name is misspelled and there are numerous addresses that have never belonged to me. Please see attached.

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 2024-01-07 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: CA

Complaint narrative:
The Biden-Harris Administration has forgiven my XXXX XXXX loan ( s ) listed with XXXX  in full. But my credit report still shows full XXXX loan balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: NJ

Complaint narrative:
Back in XX/XX/2023 I've sent out a follow up dispute dispute to Transunion regarding an account that's reporting inaccurately on my consumer report. Transunion responded that this information was verified and accurate in which still today XX/XX/2023 there are multiple inaccuracies reporting. I firmly believe that it is their duty to fully investigate a consumer 's dispute and provide fair and equitable results. If they investigated this account how is there still inaccuracies reporting? This account reports to all XXXX major reporting agencies which all have different information reporting which violates XXXX XXXX XXXX XXXX- Congressional findings and statement of purpose. The payment history that Transunion is reporting is different than what XXXX and XXXX is reporting in which they all should be the same which is a billing error. I asked Transunion to provide all of the documents thats verified this account and nowhere in the agreement with the creditor was there an option for me to opt out of this information being shared with anybody in which according XXXX XXXX Code XXXX - Obligations with respect to disclosures of personal information, subsection ( b ) Opt out, I have a right to exercise that non disclosure option. I am requesting to exercise my option to opt out of this information being reported to anyone. They are not being compliant by reporting inaccurate information even after sending in multiple dispute letters and responding to me " Verified ''. I never gave Transunion the consent to furnish a consumer report of me containing my personal information nor did I give them permission to share my information with anybody. Included in this complaint is a copy of my follow up dispute letter, my final dispute letter, a copy of my consumer report with the account disputed. 



Violations committed by Transunion : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666 - Correction of billing errors

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 2024-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditor Advocates Inc
State: IA

Complaint narrative:
Creditor Advocates Inc., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law by using abusive, unfair and deceptive business practices of harassment by calling my phone, send me text and email messages and U.S. mail in regards to a debt from XXXX XXXX XXXX XXXX for {$78.00}. The debt collection account and debt owed, is not my debt or debt collection account. I dont owe any debt to XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: NJ

Complaint narrative:
Back in XX/XX/2023 I've sent out a follow up dispute dispute to Equifax regarding an account that's reporting inaccurately on my consumer report. Equifax responded that this information was verified and accurate in which still today XX/XX/2023 there are multiple inaccuracies reporting. I firmly believe that it is their duty to fully investigate a consumer 's dispute and provide fair and equitable results. If they investigated this account how is there still inaccuracies reporting? This account reports to all 3 major reporting agencies which all have different information reporting which violates 15 U.S. Code 1681- Congressional findings and statement of purpose. The payment history that Equifax is reporting is different than what XXXX and XXXX is reporting in which they all should be the same which is a billing error. I asked Equifax to provide all of the documents thats verified this account and nowhere in the agreement with the creditor was there an option for me to opt out of this information being shared with anybody in which according to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, subsection ( b ) Opt out, I have a right to exercise that non disclosure option. I am requesting to exercise my option to opt out of this information being reported to anyone. They are not being compliant by reporting inaccurate information even after sending in multiple dispute letters and responding to me " Verified ''. I never gave Equifax the consent to furnish a consumer report of me containing my personal information nor did I give them permission to share my information with anybody. Included in this complaint is a copy of my follow up dispute letter, my final dispute letter, a copy of my consumer report with the account disputed.

Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666 - Correction of billing errors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I was a manager at a location, XXXX XXXX XXXX, XXXX XXXX, XXXX. I was ordered to under explain or even just tell customers to " sign please '', when it came time to sign the ach disclosure with customers, this was in an attempt to increase collections of missed payments and unpaid loans.

Company response to consumer: Closed with explanation