vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 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: WI

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 Account number : XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX A Account number : XXXX, Account name : MD XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX, Account name XXXX XXXX XXXXccount number : XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account Name : XXXX Account XXXX : XXXX, Account name XXXX XXXX XXXX  Account number : XXXX, & Account name : XXXX  XXXX Account number : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-10-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transition intentionally lied and sent me a letter in the mail saying they do not have a report for me when I called and indeed have a report and got a report number from the agent on the phone. I have attached they letter they sent me in the mail. 
They continue to cause me harm and suffering by reporting inaccurate information on my consumer report this information should have been deleted promptly, they are intentionally stalling and taking away my right to privacy and causing serious harm and injury to me. Do what is right and lawful by blocking and removing this information from my report. 

According to 1681c-2 ( e ) this information should be deleted and block within 4 business days upon receipt of the consumers, proof of identity, identity theft report, a statement from the consumer and the identifying information to be reported.

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 2022-10-18 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: GA

Complaint narrative:
My name is XXXX XXXX, I have been a victim of Identity theft, and I am hoping the XXXX XXXX XXXX and the FCRA can assist me getting my financial life back together. All the accounts listed below are fraudulent and should be deleted immediately. 

WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT and nothing has been doneAccount Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX : Account Name : XXXX XXXX BANK SS Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX  Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2022-10-18 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: KS

Complaint narrative:
XXXX  XXXX XXXX XXXX ending in XXXX is in the name of XXXX XXXX XXXX who divorced me in XXXX, XXXX. I had privileges but not authority to cancel my privileges. This account balance is impacting my credit rating. 
/Users/XXXX/Desktop/Final Stipulation - Property Debts 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 2022-10-18 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: KS

Complaint narrative:
XXXX  XXXX XXXX XXXX ending in XXXX is in the name of XXXX XXXX XXXX who divorced me in XXXX, XXXX. I had privileges but not authority to cancel my privileges. This account balance is impacting my credit rating. 
/Users/XXXX/Desktop/Final Stipulation - Property Debts 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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My only identifying information is as follows : My address : XXXX XXXX XXXX. 
XXXX, SC XXXX My name to : XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

Address XXXX XXXX XXXX XXXX XXXX XXXX MD 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 2022-10-18 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: FL

Complaint narrative:
On XX/XX/XXXX i sent a letter to Transunion and I have not heard anything back still. I sent to them proof of the inaccurate information reporting on my credit and how another bureau has already taken it off because it is inaccurate. The account name is XXXX and its 4 accounts that are reporting inaccurate that need to be deleted. These accounts reporting on my credit report are hurting me from purchasing a home and the fact that they are inaccurate makes it even worse. This is so stressful to deal with on top of everything else thats going on right now in our country.

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 2022-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
My name is XXXX XXXX My phone number is ; XXXX and would like to report a fraud from the company Western Union XXXX transfer - against me with location in the address : XXXX XXXX XXXX. XXXX, N.Y. Zip code ; XXXX I sent XXXX hundreds dollars to XXXX XXXX XXXX XXXX in the date XXXX XXXX XXXX  and the final received that is my sister ; XXXX XXXX XXXX XXXX De XXXX she never received the money. The number of tracking is : ( ( XXXX ) ) The money was retired from another Check cashier Western Union in the location The XXXX XXXX : XXXX XXXX pharmacy XXXX XXXX XXXX XXXX. XXXX, NY This is a telephone number that I XXXX the time of the next morning XXXX XX/XX/2022 around XXXX to XXXX XXXX 
I make a complaint two times with the company Western Union and they give me this claim complain number ; XXXX XXXX XXXX and this is the XXXX XXXX ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: WI

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  Account number : XXXX, Account name : XXXX XXXX XXXX XXXX XXXX A Account number : XXXX, Account name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account Name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX  Account number : XXXX, & Account name XXXX XXXX XXXX Account number : 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 2022-10-18 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: WI

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 Account number : XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX  XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account Name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX  Account number : XXXX, & Account name : XXXX XXXXXXXX Account number : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I was approved for auto loan with AmeriCredit. Then on XX/XX/2022, I received a welcome letter in the mail from GM Financial. In the letter it didn't state GM will be servicing my auto loan nor did AmeriCredit inform me that GM will be servicing my auto loan. In the meantime, I had sent GM billing error notice asking them to provide with contract binding, validation of the debt to pay them. I received in the mail account summary, TILA dealer contract, my credit application, and notary documentation that AmeriCredit and GM are one company. They never provided me with right to rescind disclosures. Those are not what I'm asking for and I'm so confuse because one company is in Maryland and the other is in Texas but the notarize shows both address state in the state of Maryland. As a consumer every document is supposed to be clear for the consumer to understand. I have spoken with dealership regarding my contract as to who was my original creditor and the finance manager stated Americredit not GM. I told him I wanted to make sure. I extended my credit to Americredit. I do not want to hear this is like a mortgage loan. A mortgage servicer informs their consumers on this date we will start servicing your loan all payments go here. I recently sent GM a Cease-and-Desist letter to them because they have violated FDCPA and as a federally protected consumer I have the right for GM to provide with the correct information I'm requesting. This company needs to be investigated for their deceptive misleading practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: MN

Complaint narrative:
I have multiple apartments which I do not live in which I provide internet service for. I auto-pay for service, bills are sent directly to my home address, and when service is discontinued, I return equipment personally. Because I manage up to XXXX accounts, I am well versed with the low quality of work they do at their store, so I save all receipts. 

In this case, an account was paid in full and equipment returned. Several months later, with no communication regarding a passed-due amount, a new tenant received a notice in the mail ( only my personal address, not tenant address was used for this account 's billing so the new tenant getting my billing information is already in the weeds ) from Amsher, not XXXX Communications XXXX 

I contacted both companies. Amsher gave me a ticket number XXXX and said they would respond. XXXX also said they would respond. Neither responded but over the course of months have ignored completely the fact they are sending out incorrect notices to incorrect people at incorrect addresses. 

I have receipts proving the equipment that was returned is also the equipment they are sending out debt notices for. I received no information from XXXX regarding this account being passed due ( because it never was ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I was interacting with an individual on XXXX XXXX. They agreed to buy the piece of furniture I was selling. They asked to send the money to me through XXXX and I agreed, for {$400.00}. I received an email shortly after that the transaction was too large and I needed to upgrade my account to a business account. As a result, the email said that XXXX required the other party to send me {$700.00}. I would have to send them back {$300.00} so the {$700.00} could be disbursed to my account. I sent the {$300.00} through XXXX to XXXX XXXX, email XXXX. Then, after my payment was received, I got an email that the other party had accidentally sent the extra {$300.00} twice, so they had mistakenly sent me {$1000.00} for my {$400.00} piece of furniture, and I would have to send the extra amount to receive my money. I sent them {$200.00} more as my XXXX account would not allow me to send more than {$500.00} to a new contact. Once I did this, the other party started to harass me on XXXX message for the remaining {$100.00}, claiming I would get my money back when I did. From there, I refused to interact with them further or send more money and began to report this incident. I filed a policed report and reported the incident to Chase bank and to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: MI

Complaint narrative:
Equifax Has messed up my credit report they have my brothers name on my credit report also a decent amount of his items has ended up on the credit report 98 % of a high inquiry on my brothers I was on XXXX XXXX XXXX XXXX  waiting list for over four years I finally got approved with the XXXX XXXXXXXX well I could not find a house with in the time frame because of my credit so I lost my XXXX XXXXXXXX and now me and my kids have been XXXX the last six weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX of XXXX, it was reported that I opened an account with Capital One and had a credit card with a limit of {$500.00}. In XXXX of XXXX, it was reported that I made payments on time for the credit card. That would be impossible because I was unemployed from XX/XX/XXXX, to XX/XX/XXXX. There is no way I would've been able to spend over {$700.00} when I was unemployed. My credit report also states that the account was eventually closed and charged off, and that I owe a balance of {$700.00}, which is 140 % over the limit. I believe this is a case of fraud and identity theft. I have never applied for any credit cards, nor have I opened any accounts with Capital One. I couldn't even get a card with that high of limit even if I wanted to. I only have one credit card in my name through XXXX bank, and it is a credit builder card with no limit. It's for people like me without established credit and can't apply for credit cards with high limits. I have attempted to dispute this case through credit bureaus multiple times in the last 2 months, but the issue was never resolved. I didn't realize until recently that it's most likely identity theft/fraud.

Company response to consumer: Closed with explanation