vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX XXXX  ), has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2022-07-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX XXXX  ), has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian, XXXX, and XXXX have so many different discrepancies ' between all 3 accounts and information provided that it has been causing me hardship to obtain new credit or purchase a home. All information should be reported correctly between all 3 but none of it makes sense. I have tried numerous times to contact all 3 credit reporting agencies, but information still does not get updated correctly. As you can see from what I have attached below Experian is giving me 3 different scores across 3 different platforms. Same is with XXXX and 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 2022-07-17 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:
I disputed the collection account from XXXX XXXX XXXX but on XX/XX/2022 the agency replied account verified without removing the account. Base on literature I read this account should not be reporting on my credit file because it creates, ( 1 ) an adverse situation regarding my credit profile and to me trying to obtain new credit, ( 2 ) credit bureaus are not to put anything on your credit report without written instruction, and ( 4 ) collection accounts are not to be put on credit reports, therefore they are violating my right to privacy under pursuant to the Fair Credit Reporting Act 15 U.S.C. 1681 Section 602 ( A ), 15 U.S.C. 1681 604 ( 2 ),! 5 U.S.C. 1681c ( a ) ( 4 ).

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 2022-07-17 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
The following inquiries were made around the same time last year when I was XXXX  that I do not recognize nor did I authorize ; XXXX XXXX  XX/XX/2021, GMfinancial XX/XX/2021, XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I transferred money from my savings account to purchase an XXXX on XXXX XXXX useing XXXX and it turned out to be a scam. I lost {$180.00}, no recourse to recover my loss.

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 2022-07-17 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: National Credit Systems,Inc.
State: TN

Complaint narrative:
According to Fair Credit Reporting Act 15 U.S.C & 1681 et seq national Credit System Account Number ( XXXX ) violated privacy by reporting information containing files information is also inaccurate. 

Company : Address : XXXX XXXX XXXX XXXX XXXX GA, XXXX Phone : XXXX - XXXX Note : Please beware of this company consumer Report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is in reference to this filed complaint - XXXX. Here was my complaint : Consumer Finance, On review of my credit reports I found out I had a collection from XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Original creditor - XXXX XXXX XXXX XXXX XXXX from XX/XX/2017 in the amount of {$4400.00}. I have challenged this with the 3 credit bureaus as well as the original creditor and as well the collection agency- to prove this is my account and I owe this amount. I have yet to receive any proof. I have asked the 3 credit bureaus to remove from my credit reports and its still not done. This is not a valid debt I owe. This is NOT my debt and they have not sent me anything to prove it is my debt. I can send anyone a bill for {$5.00} XXXX dollars - it doesnt mean that person owes the money. Sending me a bill does not prove its my debt. I have sent the " creditor '' via certified mail what I have attached - and they have not sent me anything that PROVES its my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # XXXX, DEPT of ED/XXXX acct # 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.

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 2022-07-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In the beginning of XX/XX/2022, I reached out to Equifax about the unauthorized inquiries on my report. I informed them that i spoke to the creditors, they told me to reach out to Equifax, and I have a police report because my wallet was stolen. Equifax responded by saying that I need to send in disputes with my police report and my identification. I sent it out, I attached it to this complaint and proof of mailing. Equifax sent back another letter asking for the same documents requesting for me to send identification as they already received it. That's a stall tactic. They thought I was not going to respond. I sent out the same information that they asked for again. XX/XX/2022, they wrote me again asking for information again. This has to stop, they are not honoring the FCRA. They have a grave responsibility according to 15 usc 1681 ( a ) ( 1 ) ( 4 ) to report accurate information. These inquiries have been ruining my reputation. I cant even apply for the things that I want because of these unauthorized inquiries. 
I am demanding monetary remedy from Equifax due to the fact that they willfully furnish things without doing an initial investigations. Me as the consumer have been trying to rectify this matter and they have been playing stall tactics. It cost money to send out documents via mail. I want {$1000.00} for each inquiry that they allowed to stay on my report after I sent them all they requested two times. ACCORDING TO 15 USC 1681 ( n ) ( b ) ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. They are willfully in non-compliance. Equifax didn't even investigate when my personal information was pulled. Why we keep allowing this. I have my proof that they did not do any investigations after I sent them documents. This is my livelihood they are messing with. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Equifax is in violation of this. Where is the justice, what will be their excuse behind this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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: IL

Complaint narrative:
XXXX, XXXX, and Transunion have so many different discrepancies ' between all 3 accounts and information provided that it has been causing me hardship to obtain new credit or purchase a home. All information should be reported correctly between all 3 but none of it makes sense. I have tried numerous times to contact all 3 credit reporting agencies, but information still does not get updated correctly. As you can see from what I have attached below XXXX is giving me 3 different scores across 3 different platforms. Same is with Transunion and 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 2022-07-17 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: IL

Complaint narrative:
XXXX, Equifax, and XXXX have so many different discrepancies ' between all 3 accounts and information provided that it has been causing me hardship to obtain new credit or purchase a home. All information should be reported correctly between all 3 but none of it makes sense. I have tried numerous times to contact all 3 credit reporting agencies, but information still does not get updated correctly. As you can see from what I have attached below XXXX is giving me 3 different scores across 3 different platforms. Same is with XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
the breach comes from experian credit union and other thirdparties and there lenders started sending me bills after the breach of XXXX and other lenders as XXXX XXXX XXXX INQUIRY THAT HAVE ENTER MY CREDIT REPORT AFTER THE BREACH OF MY INFORMATIONS REPORT REMAINS UNTIL XX/XX/XXXX I NEVER HAD A CREDIT WITH XXXX XXXX XXXX  EXPERIAN CREDIT INQUIRY AFTER INQUIRY XXXX XXXX XXXX XXXX CA, XXXX XXXX PHONE BANK INQUIRYS XX/XX/XXXX XXXX XXXXXXXX XXXX  INQUIRY XXXX XXXX XXXX XXXX INQUIRYS FINANCES XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  INQUIRY XX/XX/XXXX XXXX XXXX XXXX INQUIRY XX/XX/XXXX THERE 2 INQUIRYS XXXX XXXX INQUIRY RESON UNSPECIFIED RECORD INQUIRYS UNTIL XX/XX/XXXXXXXX XXXX XXXX INQUIRY XX/XX/XXXXXXXX XXXX INQUIRYS XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  INQUIRYS XX/XX/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 2022-07-17 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:
in accordance with the Fair Credit Reporting act 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, 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

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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 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, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a hard inquiry on my TransUnion credit report made by XXXX XXXX on XX/XX/2022 that I did not authorize. I called XXXX and the rep says there was no activity by XXXX on my account. I asked XXXX to remove the hard inquiry and the said to file a complaint with the FTC or get a police report. The FTC referred me to the CFPB to file this complaint.

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 2022-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In Accordance with the Fair Credit reporting act Everything has to be 100 % accurate on. my credit report The Credit Bureaus stated my account properly investigation in writing but how that possible if the balance is inaccurate last reported date is not accurate Also have inaccurate Original creditor Name. This is ground for removal. XXXX XXXX XXXX # XXXXXXXX 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 2022-07-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I entered my account and there was a transfer from XXXX for the amount of XXXX XXXX dollars of which I did not authorize and the bank never sent me the confirmation to do it and when I realized it had been made 3 days ago to a person named XXXX XXXX XXXX {$2000.00} XXXX referen 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 2022-07-17 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:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # XXXX, DEPT of EDXXXX acct # 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.

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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX  XXXX acct # XXXX, DEPT of ED/XXXX acct # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
Earlier this year, my savings account at XXXX was transferred over to Citizens, where it became their Online Banking checking account. I was not initially aware of this, as the account package was sent to my old address, but the new account had monthly fees and a lower interest rate so I did not want it. Four months ago on XX/XX/XXXX, I closed the account at Citizens, at which point I was told that " an official check in the names of all account holders will be mailed to the address on file within the next 5 business days. '' This check never came. I followed up on XX/XX/XXXX, and then XX/XX/XXXX. I have still not received the closing balance, despite assurances that I would. At this point, I have no faith that I will be made whole without issuing a complaint, and I believe I have been exceedingly patient in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I had a closed car loan with XXXX XXXX, and transunion credit bureau has reopened this account and decreased my credit score. There has been no explanation why this account was reopened.

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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed the collection account from The XXXX XXXX but on XX/XX/2022 the agency replied account verified without removing the account. Base on literature I read this account should not be reporting on my credit file because it creates, ( 1 ) an adverse situation regarding my credit profile and to me trying to obtain new credit, ( 2 ) credit bureaus are not to put anything on your credit report without written instruction, and ( 4 ) collection accounts are not to be put on credit reports, therefore they are violating my right to privacy under pursuant to the Fair Credit Reporting Act 15 U.S.C. 1681 Section 602 ( A ), 15 U.S.C. 1681 604 ( 2 ),! 5 U.S.C. 1681c ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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: GA

Complaint narrative:
I disputed the collection account from XXXX XXXXXXXX XXXX but on XX/XX/2022 the agency replied account verified without removing the account. Base on literature I read this account should not be reporting on my credit file because it creates, ( 1 ) an adverse situation regarding my credit profile and to me trying to obtain new credit, ( 2 ) credit bureaus are not to put anything on your credit report without written instruction, and ( 4 ) collection accounts are not to be put on credit reports, therefore they are violating my right to privacy under pursuant to the Fair Credit Reporting Act 15 U.S.C. 1681 Section 602 ( A ), 15 U.S.C. 1681 604 ( 2 ),! 5 U.S.C. 1681c ( a ) ( 4 ).

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