vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 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: TX

Complaint narrative:
My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. I have been disputing with both XXXX & TransUnion for nearly a year, and both companies are violating my Fair Credit Reporting Act Consumer Rights on multiple accounts. I have also listed multiple sections of 15 USC 1681 in which the directly violate. XXXX of the most recent dates that disputes were opened are XX/XX/2023. XX/XX/2023 approximately. I have mailed in dispute letters for nearly a year now, as well as called and personally spoken with representatives from both XXXX and TransUnion, and still have not had favorable results. I have explained to them they are violating my consumer rights, but choose to ignore my grievances. 

They do/did not have Permissible Purpose to report these accounts, they illegally reporting TRANSACTIONS & EXPERIENCES on my consumer report, they are failing to reporting maximum possible accuracy due to the fact these accounts are tied to multiple address I was never associated with. 

XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX BANK Account # XXXX XXXX5 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates.

I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have been very patient with them and trying to dispute with them in a respectful manner, but I have gotten nowhere with them. I know believe it's in my best interest the CFPB steps in and helps me resolve this matter.

I have attached my most recent dispute letter.

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 2023-02-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act of 1970, the following companies have violated my rights by reporting inaccurate, or outdated information XXXX and XXXX Account XXXX XXXX. And XXXX are both the same thing, and they are debts obtained without my permission or knowledge. I moved out of XXXX with a {$0.00} balance and was owed my deposit, never received it. Was never contacted regarding balance owed, and {$6600.00} in fees accrued is ridiculous when I didnt even live there. 

XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Paid in full, can not reach a representative to find full account number. 

XXXX XXXX XXXX Phone number : XXXX Paid in full and closed in XX/XX/XXXX XXXX XXXX Account number XXXX XXXX XXXX {$930.00} - should not owe this debt from the insurance company. 


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 an account without my written instructions.

Thank you for your time and hard work.

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 2023-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Stellantis Financial Services US Corp.
State: MI

Complaint narrative:
Notice Of Dispute XX/XX/2023, we did application for personal services at XXXX XXXX XXXXXXXX XXXX XXXX. After asked for our social security card I was under the impression that I was entering into a consumer credit transaction. Instead on XX/XX/2023, we received a letter of discrimination. Adverse action had been taken in which it is unlawful for any creditor to discriminate against Any applicant with respect to any credit transaction. Stellantis Financial Services , Inc also obtained information from my consumer report without my written or oral permission/ consent. Notice : your financial Institution is in violation of the Equal Credit Opportunity Act the Federal Agency that administers this Act will be notified of your unlawful Acts.

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 2023-02-23 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: IL

Complaint narrative:
Experian and XXXX have violated my rights under Fair Credit Reporting Act. I have notified them by mail and phone that I am victim of identity theft. I have requested the following account be removed permanently from my report because it was opened fraudulently. XXXX XXXX XXXX Date Opened XX/XX/2021

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 2023-02-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected comsumer rights to privacy and confidentiality under the law 15USC 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights. 
XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX BANK account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights According to 15 U.S.C 1681 ( a ) ( 4 } : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also 15 U.S.C 1681b ( a ) ( 2 ) : In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

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. 

I did not give written consent for my report to be shared, also I didnt authorize these accounts on my consumer report. I have since filed a Identity theft with the Federal Trade Commission concerning these accounts.

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 2023-02-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected comsumer rights to privacy and confidentiality under the law 15USC 1681. 

Accounts : SXXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights. 
XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX BANK account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights According to 15 U.S.C 1681 ( a ) ( 4 } : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also 15 U.S.C 1681b ( a ) ( 2 ) : In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

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.

I did not give written consent for my report to be shared, also I didnt authorize these accounts on my consumer report. I have since filed a Identity theft with the Federal Trade Commission concerning these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Received credit report. The amount owned and what I paid on the credit report is inaccurate. 

The amount is lower and what I should have paid what WF has submitted to the credit bureau. What WF asked during foreclosure and pay off was over XXXX more than what I should have paid. 

Wells Fargo states one thing on the Credit Report but request a larger amount during payoff.

Wells Fargo manipulating facts as usual.

Wells Fargo never contacted me regarding settlement of the XXXX XXXX dollars for customers past and present. 

The worst is the confusion of the whole mess starting in XXXX or XXXX when Wells Fargo bought Wachovia out and when my account split. No major explanation was given until it was to late. Customer Service was ill informed from CEO 's and Board which they informed the customers. 

XXXX : XXXX the account # XXXX is a medical bill from XXXX. {$1200.00} goes back to XXXX. Why is it still on my credit report. Changing dates and manipulating the dates. This needs to be removed immediately

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 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Access to my online banking at PNC was revoked without notice on XX/XX/XXXX. I have no way of seeing activity since I am paperless. Apparently it is revoked for up to 30 days. 

My social security checks were deposited to my account on XX/XX/XXXX. I was advised by branch personnel that the amounts were blocked and could not be withdrawn. It is over {$4000.00}. My account was in credit. I live off social security. 

No phone calls from the bank. No answers to any calls including from branch personnel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23 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: CA

Complaint narrative:
For many years since 1990s and Present Equifax has put many negatives and collections on my credit report and I have filed many Federal complaints and Equifax ignore in deleting the negative collections and negative marks on my Equifax Credit report. 

Equifax allow their third parties business partners to use my Private information such as Social Security number and all my private information. 
Equifax even had a Data Bleach issues and was sued by Law Firms in XXXX XXXX with a {$1.00} Billion Dollars Class Action Lawsuit in which I haven't receive my Restitution Award Settlement check no less than {$50000.00} and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Claim XXXX # XXXX Refuses to send my check by US Postal Mail XXXX XXXX, or XXXX XXXXXXXX XXXX  or XXXX Mail XXXX as respectfully requested. 
Email : XXXX I am Respectfully XXXX Life and XXXX and a XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I MADE A DOMESTIC TRANSFER FOR XXXX USD ON XX/XX/2022, THEIR WEBSITE STATES IT CAN TAKE 24-48 HRS. THEY IMMEDITELY TOOK MY MONEY AND CHARGED XXXX DLLS AND APPEARED AS A COMPLETED TRANSACTION IMMEDIATELY. SO I CALLED MY RECEPIENT AND THEY DID NOT GET IT. I CALLED WELLS FARGO TO MAKE SURE THE INFO WAS RIGHT, ACCT NUMBER AND NUMBER ARE. WELLS FARGO KEEPS SAYING 3 BD FOR IT TO COMPLETE. MY RECIPIENT CALLED HER BANK AND WAS TOLD THEY REJECTED IT CAUSE HER NAME WAS OFF BY ONE LETTER. WELLS FARGO KEEPS SAYING IT WAS COMPLETED AND INFO IS CORRECT. SO I WANT TO KNOW IF IT WAS SENT BACK TO ME WHEN WILL I SEE MY MONEY THEY KEEP SAYING IT WAS COMPLETED. NO SUPERVISOR WAS AVAILABLE AND ALL THEY DID WAS A CLAIM. WHEN I WANT TO KNOW AND BE ASSURED EITHER THE RECEPIENT WILL GET THE MONEY OR WILL THAT MONEY COME BACK TO ME AND THEIR ANSWER WAS THEY DO NOT KNOW WHERE MY MONEY IS. NOW I HAVE TO WAIT FOR THEM 10 BD FOR THEM TO TRY TO HELP ME.

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 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have three credit cards with Chase. One of the packages I ordered to be delivered was stolen from my front door after it was delivered. I opened a claim ( claim number XXXX ) with Chase 's Purchase Protection provider, XXXX, and was asked for a lot of documentation, which I provided, including : a copy of my statement showing the purchase was made on my Chase card, a copy of the receipt from the store, the tracking number of the purchase from XXXX. Then the next day I went to the police station to file a report and received a piece of paper from the Police Department confirming that I had filed the report, which I added to my claim twice via web and once via email because they kept asking me to upload it. The claim was opened on XX/XX/17 and when I kept checking they confirmed it was being sent for approval. Then last week I got a call saying they needed a detailed police report, which I found out is going to take 10-12 weeks to get from the city, and will cost me {$25.00}. At this point I feel like I have provided much more than sufficient documentation for them to honor my claim and that they are just asking for more information in the hopes that I will give up the claim. I contacted Chase and they tried to transfer me back to XXXX, but I declined since multiple contacts with the company had resulted in them just asking for more and more information. Any help you can provide would be greatly appreciated. Incidentally, the company XXXX  has a terrible rating as evidenced in this blog post that prompted me to escalate to you. XXXX XXXX XXXX/ It is cold comfort to know that I am in the majority when it comes to customers complaining about this service - 87 % have given them one star.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23 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: NY

Complaint narrative:
In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 2023-02-23 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: TX

Complaint narrative:
In accordance with In accordance with the Fair Credit Reporting Act the Lender XXXX  XXXX XXXX, has violated my rights. After disputing the late payments with XXXX  XXXX XXXX their investigation concluded that the 3 credit bureaus ( XXXX, XXXX, Equifax ) are the only ones that need to remove late payments not their mortgage company. They simply said they can't do anything to change the late payments being reflected. Under the CARES ACT during my forbearance period late payments and negative remarks are not supposed to be reported as late payments they should be reported differently so they won't affect my credit history. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: TX

Complaint narrative:
In accordance with In accordance with the Fair Credit Reporting Act the Lender XXXX  XXXX XXXX, has violated my rights. After disputing the late payments with XXXX  XXXX XXXX their investigation concluded that the 3 credit bureaus ( XXXX, Experian, XXXX ) are the only ones that need to remove late payments not their mortgage company. They simply said they can't do anything to change the late payments being reflected. Under the CARES ACT during my forbearance period late payments and negative remarks are not supposed to be reported as late payments they should be reported differently so they won't affect my credit history. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I entered a dealership in search of a car. I started the loan application after choosing a vehicle by providing the general information needed to buy a car. Without my permission, my credit was checked during the procedure, and as a result, an inquiry was recorded on my report. The fact that there was no requirement for a down payment on the automobile confused me as well. Yet when the deal was done, I understood that because I hadn't made a down payment, my interest rate would be greater than that of other auto buyers in my neighborhood. My credit history and report, nevertheless, would contend that my interest rate ought to be lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: IL

Complaint narrative:
XXXX and Equifax have violated my rights under Fair Credit Reporting Act. I have notified them by mail and phone that I am victim of identity theft. I have requested the following account be removed permanently from my report because it was opened fraudulently. XXXX XXXX XXXX Date Opened XX/XX/2021

Company response to consumer: Closed with explanation