vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 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: SC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-05-03 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: VA

Complaint narrative:
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.

15 U.S.C 1692 C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-05-03 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:
I REQUEST FOR THIS COMPLAINT TO BE REVIEWED BY A HUMAN. 
Please reference CFPB Complaint Number XXXX I submitted my original complaint on XXXX. I received an email notification from CFPB stating that the complaint was closed on XXXX. When I read the reason that CFPB Complaint Number XXXX was closed, it stated that the account was never on my credit report/ and or had been removed. Confused, I called into CFPB and spoke to customer representative XXXX. XXXX read back the information to me on the phone, stating that the account is not on my credit report. Please note that this is incorrect information. 

On XX/XX/2022, I waited to pull my credit reports from all three credit bureaus- XXXX, Equifax, and XXXX. Currently, the account in dispute - XXXX XXXX XXXX  Account XXXX is still reporting negatively on my Equifax and XXXX credit reports. This account is reporting twice ( double jeopardy ), on pages XXXX and XXXX of my XXXX credit report and also reporting on my Equifax credit report. I have attached my current credit reports for your review. 

15 U.S.C 1681c ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any 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. XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681. This company continues to falsely misrepresent that I owe an alleged debt to them to the credit bureaus. I do not now, nor have I ever had a signed written agreement to do business with XXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Premium Credit Bureau
State: GA

Complaint narrative:
On XX/XX/15 I spoke with the company and told them I never approved of a hard inquiry but It was done anyway. Call and was sent to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My credit is messed up because of old payments I just wish my credit was fixed I'm XXXX XXXX XXXX This is invading my privacy.

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 2022-05-03 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: SC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-05-03 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: AZ

Complaint narrative:
On XX/XX/2022 I have contacted XXXX, XXXX and Equifax repeatedly over the last two months regarding my Identity theft situation giving them the police report and the deletion letter from one of the Creditors XXXX  and the Credit Reporting Agencies are still reporting inaccurate and misleading information. It is now XX/XX/2022 and the accounts are still not deleted. The Fair Debt Collection Practices Act section 807 refers to false or misleading representation in which the Credit Reporting Agencies are in evident violation of. The following conduct is a violation of this section : 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. The Debtor is falsely accusing me of a debt in which I am a victim of in Identity theft and so therefore should be permanently removed form being inaccurately reported. XXXX provided additional statement stating the liability of the debt is not applicable and yet it is being reported on all three credit reporting agencies as means of determent. I am reporting the inaccuracy in reporting, investigation and requesting that within 5 calendar days of this final reporting of this violation that the XXXX, Equifax and XXXX immediately delete the XXXX and XXXX XXXX XXXX accounts immediately as I am in pursuit of seeking litigation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/22 I sent in letters to have incorrect information removed from my credit profile.

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2022-05-03 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 sent my letter off on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letters I sent out here are the tracking number XXXX XXXX XXXX XXXX XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode lo living is obtained through personal interviews with neighbors, friends, or associates of the consumer of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is it possible if they did not do the proper investigation according to the law. Also, every piece of information on these accounts still are not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX RE : Account # 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 2022-05-03 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: NY

Complaint narrative:
XXXX XXXX XXXX ACCOUNT # XXXX DOFD : XX/XX/XXXX IS THE SAME AS MY LAST PAYMENT DATE CLOSED : XX/XX/XXXX DATE CHARGED OFF XX/XX/XXXX DATE SOLD XX/XX/XXXX DATE OF MY LAST PAYMENT XX/XX/XXXX When an account is sold and paid in full the ACCOUNT STATUS should be reporting CLOSED or SOLD OR PAID IN FULL and not be reporting CHARGE OFF or DEROGATORY because the status of the account has been sold and the charge off remove because you can't write a charge off for an account you sold and got paid for that will be stealing from the IRS. 
you can not have both an account status and a payment status being reported as charged off IF YOU DON'T OWN THE ACCOUNT you can't charge off the status of an account BUT you can charge off the payment status but not the account status. 

If the account is sold or paid the status of the account is now sold or paid not charged off or DEROGATORY the account was never late to be reporting derogatory XXXX is not reporting the date close which must be reported or trade line deleted for inaccurate reporting a sold charge off that was never closed and for credit reporting you must be closed before the account can report charge off you can't charge off then closed the account when you are reporting on credit reports read the law suite it states when you must close and charge off PROOF OF DATE OF FIRST DELINQUENCY XX/XX/XXXX IS IN THE BILLING STATEMENT ENCLOSED WHEN I MADE MY LAST PAYMENT AND GAVE UP THE CAR BECAUSE OF A DEATH IN THE FAMILY I TOLD THEM TAKE THE CAR IM PAYING NO MORE CANT AFFORD IT SO EXPLAIN AND PROOF THAT MY DOFD IS 2 MONTHS AFTER MY LAST PAYMENT AND A MONTH AFTER THEY REPO THE CAR I WANT PROOF OF THE DOFD XXXX XXXX XXXX SAYS my DOFD is AFTER THEY AUCTION THE CAR ON XX/XX/XXXX how is that

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 2022-05-03 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: GA

Complaint narrative:
There is a bankruptcy reporting on my account that I did not authorize or give permission to the credit bureau to report. I nor any of my friends or family were interviewed to verify this information. I have contacted the bureaus to validate how they obtained this information. I was not provided any documents that I signed, nor proven to give consent in any other way. XXXX has removed the bankruptcy from my credit report. The account shows up as XXXX  XXXX Bankruptcy : {$0.00} Bankruptcy Discharged XX/XX/2019 Reference number XXXX Date file XX/XX/2019 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 2022-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Sunrise Credit Services is harassing me ii have sent letter but they did not desist. 
- 1st Letter XX/XX/2022 Help to mediate and let them stop bordering my life

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 2022-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
in accordance with the Fair Credit Reporting act Merchant Adj XXXX account number ( s ) : XXXX, and XXXX. Has violated my rights. 

15 U.S.C 1681 section 602A. 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 written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
RE : XXXX  I have made numerous attempts to remove this debt credit report. I've submitted a police report, contacted the company, and contacted the credit bureau and the debt is still showing up on my account and I want it removed Please expedite the removal of this debt.

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 2022-05-03 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: LA

Complaint narrative:
On XX/XX/22 I sent in letters to have incorrect information removed from my credit profile.

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 2022-05-03 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: LEXISNEXIS
State: OH

Complaint narrative:
I challenged the validity of an alleged bankruptcy on my credit report with all XXXX bureaus. All XXXX bureaus verified the alleged bankruptcy as valid. I then sent a letter to the court house where the bankruptcy was housed. In the letter to the courthouse I stated that according to my report there is an alleged bankruptcy on my record from your court house. Are you subscribed to the bureaus that is reporting the information as accurate. The courthouse sent me back a letter stating they are not subscribed to the bureaus to have any information placed on my report. It was not validated through them. A follow up investigation led to the bureaus stating they verified the information through Lexis Nexis. I sent a letter, which is attached, to Lexis Nexis specifically asking for what documents they had to verify the alleged bankruptcy. I received a letter from Lexis Nexis, which is attached. The dispute statement was inaccurate. There was no information given on what procedures or documentation was used to verify the alleged bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have a hard inquiry on my consumer report that should not be there. XXXX XXXX ( 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 explanation
Consumer complaint received 2022-05-03 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: GA

Complaint narrative:
Equifax, XXXX, XXXX, AND XXXX have continued to report unauthorized information on my credit report. I have disputed this information several times with no avail. Equifax, XXXX, and XXXX all state that they have received and verified information from XXXX who lied and stated it gets its information the Bankruptcy XXXX. The Bankruptcy XXXX is not a creditor and does not furnish any information to credit bureaus they buy data from XXXX a company that I have requested not furnish any information on my behalf and have also opt, out. as I am entitled to. I Per FCRA information being furnished must come directly from the creditor and must be accurate and the creditor must have followed the credit reporting guidelines before reporting information to credit bureaus. Furthermore, I have never given consent for XXXX to furnish any date on my behalf which is requred per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, 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 an account without my written instructions. 


# 1 - XXXX MXXXX XXXX  - INQUIRY DATE XX/XX/XXXX # 2 - XXXX XXXX XXXX - INQUIRY DATE XX/XX/XXXX # 3 - XXXX  - INQUIRY DATE XX/XX/XXXX # XXXX - XXXX XXXX  - INQUIRY DATE 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 explanation
Consumer complaint received 2022-05-03 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:
In accordance with the Fair Credit Reporting act XXXX Account, 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 an account without my written instructions. 


# 1 - EQUIFAX XXXX XXXX - INQUIRY DATE XX/XX/XXXX # 2 - XXXX XXXX XXXX - INQUIRY DATE XX/XX/XXXX # 3 - XXXX  - INQUIRY DATE XX/XX/XXXX # XXXX - XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: MD

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 inaccurate. This is grounds for removal they also violated my rights under : 15 U.S.C 1681 section 602 A. that states I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 that states a consumer reporting agency can not furnish an account without my written instructions. 

Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 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 2022-05-03 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: EQUIFAX, INC.
State: MD

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 inaccurate. This is grounds for removal they also violated my rights under : 15 U.S.C 1681 section 602 A. that states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 that states a consumer reporting agency can not furnish an account without my written instructions. 

Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX.

Company response to consumer: Closed with explanation