vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-30 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: KY

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 XXXXXXXX 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 2022-04-30 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: NJ

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and

the date last reported is not accurate. If account status is inaccurate and payment history is inaccurate. 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 instruction. The Credit bureaus did not take my request for the re-investigation seriously for the 2nd time. There our a total of One hundred twenty three ( 123 ) violations. They have continued to violate my rights every and time.

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 2022-04-30 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: NJ

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. If account status is inaccurate and payment history is inaccurate.

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 instruction.

The Credit bureaus did not take my request for the re-investigation seriously for the 2nd time.

There our a total of One hundred twenty three ( 123 ) violations.

They have continued to violate my rights every and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: NV

Complaint narrative:
There are accounts listed on my credit report that do not belong to me. Please remove them 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 2022-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
I received a letter dated XX/XX/22 from Diaz and Associates, claiming that I owe an amount for a debt in the amount of {$630.00}. After careful review of my full credit report, I do not have an account with this entity, XXXX, nor owe said amount. All of my credit accounts are within good standing. I have no debt collection account, nor a derogatory remarks. This is a false claim for a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In accordance With the fair credit reporting act XXXX  Account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 : it also states A consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and 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 2022-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX  /Account # XXXX ) Has violated my rights 2- ( XXXX XXXX/Account # XXXX ) Has violated my rights 3- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 5- ( XXXX/Account # XXXX ) Has violated my rights 6- ( XXXX XXXX/Account # XXXX ) Has violated my rights 7- ( XXXXAccount # XXXX ) Has violated my rights 8- ( XXXX XXXX/Account # XXXX ) Has violated my rights 9- XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights

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 2022-04-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights XXXXThe Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process.

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXXXXXX XXXX  /Account # XXXX ) Has violated my rights 2- ( XXXX XXXXAccount # XXXX ) Has violated my rights 3- ( XXXX  XXXX XXXXAccount # XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX XXXXAccount # XXXX ) Has violated my rights 5- ( XXXXAccount # XXXX ) Has violated my rights 6- ( XXXX XXXX/Account # XXXX ) Has violated my rights 7- ( XXXX/Account # XXXX ) Has violated my rights 8- ( XXXX XXXX/Account # XXXX ) Has violated my rights 9- ( XXXX XXXX XXXXAccount # XXXX ) Has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: NV

Complaint narrative:
There are accounts listed on my credit report that do not belong to me. Please remove them 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 non-monetary relief
Consumer complaint received 2022-04-30 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: NV

Complaint narrative:
There are accounts listed on my credit report that do not belong to me. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: CA

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian : XXXX XXXX Balance Owed : {$6.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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 2022-04-30 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: CA

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$570.00} XXXX XXXXXXXX Balance Owed XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX : XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXXXXXX Balance Owed : {$570.00} XXXX XXXXXXXX Balance Owed : {$9600.00} XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed XXXX {$180.00} XXXX XXXXXXXX XXXX Balance Owed : {$2300.00}

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 2022-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALCHRO INC.
State: FL

Complaint narrative:
When threw XXXX and all was covered by my Medical Plan, and after 1 year they came telling me I have a balance to pay which was paid from my Medical Plan... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... {$1700.00} XXXX : FST FEDERAL CREDIT & COL. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... {$75.00} XXXX : FST FEDERAL CREDIT & COL. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-04-30 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:
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 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 non-monetary relief
Consumer complaint received 2022-04-30 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: TX

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 XXXX XXXX XXXX ACCOUNT NUMBER - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
I moved out of a property in 2018, I paid 1st months rent, last months rent and security ( equal to 1 months rent ) when I initially moved in. I moved out before the end of my last month and never got the pro rated amount for last months rent or security deposit back which was fine, the property was cleaned professionally before I left and was in good shape, then I see on my credit report that I owe this property over {$12000.00} which equates to approximately 5 months rent! I have reached out to this property and have told them this is an egregious act and I absolutely do not owe anything to this property and demand they remove this from my credit report and they have been flagrantly unresponsive! Please help as I have a wife and XXXX XXXX XXXX daughter and this collection on my credit is preventing me from leasing a home in a decent area! I lose sleep over this every night! I have been fighting this since 2018 please please help! 

Thanks In Advance For Your Assistance XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: MS

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 XXXX XXXX XXXXXXXX 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 2022-04-30 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:
In accordance with the fair Reporting act XXXX Account # XXXX, have violated my rights. 

15 USC 1618 Section 608 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan at late for purpose.

I have remained very humble throughout last year & these last 4 months despite all the stress, abuse and harm that XXXX, EQUIFAX, & XXXX has caused me. I have had a enough of all the abuse and unfair practices from XXXX, EQUIFAX, & XXXX. pursuant of 15 usc 1681b ( 2 ) I didnt give XXXX XXXX EQUIFAX XXXX & XXXX any form of written instructions to accept, furnish or report any information on my behalf by the powers vested in me by the one TRUE living XXXX I hereby DEMAND that all negative accounts, Late payments, charge offs, that was not Authorized or Verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: PA

Complaint narrative:
In accordance with the fair Reporting act XXXX Account # XXXX, have violated my rights. 

15 USC 1618 Section 608 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan at late for purpose.

I have remained very humble throughout last year & these last 4 months despite all the stress, abuse and harm that EXPERIAN, XXXX, & XXXX has caused me. I have had a enough of all the abuse and unfair practices from EXPERIAN, XXXX, & XXXX. pursuant of 15 usc 1681b ( 2 ) I didnt give EXPERIAN XXXX XXXX XXXX & XXXX any form of written instructions to accept, furnish or report any information on my behalf by the powers vested in me by the one TRUE living XXXX I hereby DEMAND that all negative accounts, Late payments, charge offs, that was not Authorized or Verified.

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