vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a handwritten letter on XX/XX/XXXX regarding fraudulent hard inquiries that were posted on my account to all three Credit Bureaus. 

I put them on notice having understood they have violated 15 USC 1681 ( B ) As I have the right to privacy and a consumer reporting agency can not furnish an account without my written instructions. Both together and separately my consumer and privacy rights are being violated. I demanded that my account be cleared of the following hard inquiries :. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The first response that I received was from Experian. So this complaint is directed toward that company. I reminded them that it is the duty of the bureaus to accurately report information which as of now is not being done. 

The response I received from Experian on XX/XX/2022 is that they claim to have completed an investigation but did not complete the requested removal. 

They said that the records of the request had been updated. But my credit report reflects that they did nothing about these hard inquiries.

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 2022-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-10-26 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: NC

Complaint narrative:
I have made numerous attempts to work with this company to have the incorrect information removed from my account. I have been treated unfairly and at this point I want to make a formal complaint about the unfair treatment I have received. Both accounts that I did have open with them were closed - by XXXX XXXX - due to an error on their part. Even after said error was recognized and corrected, the accounts were never opened or repaired in terms of incorrect information being corrected. This company is impossible to work with and under the FCRA I am requesting them to be removed from my report IMMEDIATELY. I truly appreciate your assistance as I do not know where else to turn and this is greatly impacting my ability to further my life, buy a house, and get out of the viscous cycle of debt my generation is in.

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 2022-10-26 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:
In Accordance with the Fair Credit Act. The List Of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXXXXXX # XXXX, Account : XXXX XXXX # XXXX 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 reporting containing any of the following items of information any other adverse items 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 2022-10-26 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: NY

Complaint narrative:
In Accordance with the Fair Credit Act. The List Of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX # XXXX, Account : XXXX XXXXXXXX # XXXX 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 reporting containing any of the following items of information any other adverse items 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 2022-10-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In constantly disputing to no avail, Ive continued to bring to bring to the attention of Experian, XXXX, and XXXX the erroneous debt on my credit report the charges and fees. The more I do my part in fairness the more they add or update false unauthorized information, through dates, time-frames, balances, and amounts. For instance ; Experian ( Dept.of EXXXX # XXXX is listed ( 4 ) times with different amounts and opened dates. XXXX XXXX which has ( 2 ) accounts and I've only went to the school once with absolutely no extra funds or renewal at all. 
Which should've fallen off in XXXX this year. The other has the same information and account # dated XXXX XXXX, with ( 2 ) accounts as well when I only attended once and no extra funds as well. My purpose for this complaint is to delete all the erroneous accounts but one because this is not fair. Some how XXXX and XXXX has done the same unauthorized thing. Thank you for allowing my input to be heard in all fairness. 
XXXX XXXXXXXX XX/XX/22

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 2022-10-26 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: PA

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is one of my numerous letter that I claim I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following account need to be removed as they are fraudulent. 

XXXX XXXX or XXXX Date Opened : XX/XX/2015 Balance : {$0.00} This is not verified. I contacted the furnisher and they have refused to provide any documentation and they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within 5 days! 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file.

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 2022-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I was contacted on XX/XX/XXXX via email by a XXXX XXXX who has been emailing me for several weeks now. She insisted that her grandmother was out of food, sending me a photo of an empty frig. She stated she also needed new bedding and asked me to send another {$25.00}. ( this was thru paypal and is payable on XX/XX/XXXX. ) I had sent at XXXX XXXX request to XXXX XXXX {$25.00} on XX/XX/XXXX ( via paypal payable XX/XX/XXXX ) for gas for her grandmothers vehicle. I found out on XX/XX/XXXX late that evening that she did not have a grandmother nor did she have her grandmother 's vehicle. The whole thing was some sort of a scam! XXXX XXXX has now deleted her name/etc from XXXX where it was originally. However, I still have some of her conversations on XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/XXXX I filed a written claim regarding a Bank of AmericaXXXX scam that occurred on Saturday and Sunday XXXX XXXX XXXX. 
The prejudice is about 3 XXXX transfers obtained from a fraudulent website ( XXXX ) for a value of {$3000.00}, XXXX and XXXX. 
I contacted the BoA /XXXX claim center right away on XX/XX/XXXX ( that was a bank holiday ). Claim reference : XXXX XXXX. The transaction appeared as being processed by BoA was not capable to reverse it. 
This was my first use of the BoAXXXX mobile app and I was misled by the fact that this application is on the BoA mobile banking system which gave me a false sense of security. In addition the risks associated to that kind of money transfer were largely understated during the whole process. 
On the phone BoA claim center told me this transaction was not covered by Regulation E as I gave my authorization ( despite being tricked by the fraudulent website!!! ) and have not refunded any of the money lost after now more than 10 business 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 2022-10-26 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: NJ

Complaint narrative:
This is one of my numerous letter that I claim I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following account need to be removed as they are fraudulent. 

XXXX XXXX or XXXX Date Opened : XX/XX/2015 Balance : {$0.00} This is not verified. I contacted the furnisher and they have refused to provide any documentation and they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within 5 days! 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
Credit Acceptance Corporation continues to report inaccurate information on all three of my credit reports XXXX - last payment date XX/XX/XXXX - XXXX, and XXXX - XXXX - 149 days past due XXXX - last payment date XX/XX/XXXX - XXXX, and XXXX - 120 days past due XXXX - last payment date XX/XX/XXXX - no reported delinquency days - past due 180 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 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Hello, this complaint is against my Union Bank Credit Card for false or misleading program information in regards to Covid-19 assistance due to hardship on two separate occasions. This has now resulted in two late payments on my credit report, as well as a " hard credit check '' ( even after I verified with the rep on the phone that it would be a " soft check ''. 

1st Instance : In early XXXX, I received an offer by email indicating that if I'm having any financial issues as a result of Covid-19, that I could request payment deferment for 3 months via the Union Bank Credit Card website . I filled out this form, and received an on-screen confirmation that I can skip my mininum payment for 3 months without any adverse credit reporting, or late fees. Two month later, I was hit with a late payment on my credit. I called and spoke with Union Bank, and they rep said they had no record of my online request. 

2nd instance : I received a letter from Union Bank dated XX/XX/XXXX, stating that if I was impacted by Covid-19, to contact union bank for flexible relief programs. I called Union Bank and spoke with " XXXX '' or " XXXX '' on XX/XX/XXXX. The rep said that no such program exist ( even though I received a letter from union bank stating such a program exists ). The rep then took a payment from me to avoid a late payment. He rep also said they can run my credit to see if they can help in any way. I told the rep that I would only consent to a credit check if it was a " soft check '', and not a " hard check ''. The rep verbally confirmed that it would be a soft check. Today ( XX/XX/XXXX ), I was hit with a late payment, and a hard check on my credit. The Union Bank rep completely LIED, and the Union Bank letter contradicts what he told me about relief programs. 

Union Bank 's credit card division is not truthful, any Covid-19 related relief programs they advertise to customers are never actually available ( I can provide a copy of the letter they mailed me to advertise Covid-19 relief ). The phone rep completely lied. Please help. This has damaged my credit, and created a hardship situation. 

Thank you

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 monetary relief
Consumer complaint received 2022-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2022-10-26 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: GA

Complaint narrative:
1.TRANSUNION continues to deliberately violate my rights as a living human being and a consumer as well as violate the guidelines of the FCRA. 
XXXX. I have right to 100 % accurate information to be reported on my credit report. XXXX. 
Transunion data furnisher XXXX has corrected and removed all INAACURATE Bankruptcy AND PUBLIC RECORDS DATA FROM ITS REPORT. 
XXXX. TRANSUNION ALSO USES OTHER UNDISCLOSED DATA FURNSIHER TO OBTAIN DATA AND DOES NOT DISCLOSE PROPERLY TO THE CONSUMER AS REQUIRED. 

XXXX. TransUnion did not establish reasonable procedures to ensure the maximum possible accuracy of information provided about consumers under 15 U.S.C.

Section 1681e ( b ) ; 6. TransUnion failed to Clearly and accurately disclose all information in the consumers file at the time of [ a ] request under Section 1681g ( a ), and 7. TransUnion failed to provide a statement of consumer rights with each such disclosure under Section 1681g ( c ). 

Considerable harm has been done to my credit causing adverse action from creditors resulting in denial of credit, missed opportunities resulting in punitive damages, and adding to an overall suppression of livelihood and quality of life Therefore, at this time I am requesting all derogatory information listed below be removed from credit report and pay me {$1000.00} for each of these violations within 15 days of submitting this complaint. 

Below are the reporting items XXXX. Bankruptcy XXXX XXXX # XXXX XXXX. Bankruptcy XXXX XXXX Reference # XXXX 3.Bankruptcy XXXX XXXXXXXX Reference # 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 2022-10-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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