vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In have a massive issue with Experian. They took no extra precautions when they allowed someone not only to access my account, but change ALL of the information regarding my account, EVEN the security questions. I believe on XX/XX/2023, I called and spoke to a person instead of an automated system, after a few weeks of trying. I talked to a male representative, who said he would escalate my case, send an inquiry about resetting my security questions, he had me make a pin, and everything .... just for me to try to see if I could retrieve my login information, and have it get sent to the Scammers email a week later. I went through a lot to try to get on the phone with someone just for them to waste my time and leave me vulnerable to getting scammed AGAIN. Experian makes it clear that they don't care about their customers, let alone their information. No wonder there was a lawsuit against them.

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 2023-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request a Form 1099-C, charged off for the XXXX XXXX XXXX XXXX account XXXX that I held with you. 
I received notification that the account was Charged off in the amount of {$13000.00}. I understand that I am required to report this income to the Internal Revenue Service. 
I would appreciate it if you would provide me with a Form 1099-C, charged off, so that I can file my taxes accurately and in a timely manner. 
If you have any questions, please do not hesitate to contact 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 2023-02-03 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: GA

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2023-02-03 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had an account with Wells Fargo a while back and I had over XXXX in the account. That account was used to save money so I hardly checked it but when I did go and check it, all my funds were removed. No one at the bank can or wanted to tell me what happened to my money. Until this day, I have no idea what happened to my funds.

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 2023-02-03 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: 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 consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trade union trying to reset my password art reach customer service so I can look at my credit report and report something on it to have it talk off cant reset my password website si not work well not very user-friendly

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 2023-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
no knowledge of these accounts. no contract with these companies. please remove, they reposted this account. reporting innacuretly across the bureaus, no account info, this is violationg consumer law.

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 2023-02-03 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: PA

Complaint narrative:
I have did a thorough investigation on my credit report and seen a collection on my credit report that doesn't look right. 

XXXX XXXX Date Opened : XX/XX/2022 Amount {$770.00} I sent the company a cease & desist. This account is not mine. Lastly this account is not reporting on XXXX. ( refer to screenshots to see both accounts via XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bank of Baroda - New York Branch

Complaint narrative:
Hello sir my name is XXXX XXXX XXXX and On XXXX XX/XX/XXXX i applied for XXXX Baroda credit card on XXXX XXXX they opened it but didi not say that its activation charge are XXXX that not a major problem on XXXX XXXX i made a payment on XXXX that got failed but XXXX charged in credit card did not reversed till now also when i using my card they unfortunately blocked my card when i contact them they says you have called and request for card blocking and this will not unblocked you have to replace your card with charge XXXX also that is not a major problem. I have made advance payment of XXXX rupees in advance and i closed my credit card on XXXXXXXX XXXX XXXXXX/XX/XXXX and i mailed them from XXXX XX/XX/XXXX but till now they have transferred just XXXX of my advance payment in my bank account. Such a worst experienced i faced from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 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: GA

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

XXXX XXXXXXXX. XXXX : # XXXX, XXXXXXXX XXXXt Bank : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX Bank, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 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: IN

Complaint narrative:
TransUnion, XXXX, XXXX, as a consumer reporting agency, is governed by 15 USC 1681 and I have evidence that they have violated my rights under this act multiple times. The following accounts listed below were furnished by TransUnion, XXXX, XXXX without my written consent and I demand their immediate deletion : XXXX XXXX XXXX Account Number : XXXX According to 15 U.S.C 1681 Section 602 A, I have the right to privacy. Additionally, Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) also states that a consumer reporting agency may not make any report containing adverse information that antedates the report by more than seven years. Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) requires that a person shall not furnish any information about a consumer if they know or have reasonable cause to believe that the information is inaccurate. 

I also did not authorize the following companies to access or pull my credit report, and these inquiries were fraudulent. I have contacted these companies and they have no proof of authorization or permissible purpose : 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 XXXXn conclusion, I demand immediate removal of these blatant violations of my rights. Failure to do so will result in me taking legal action against all parties involved. I request that the Consumer Financial Protection Bureau takes swift action in resolving this matter and ensuring that my rights are protected. Thank you for considering my 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 non-monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX - XXXX. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX credit card XXXX I was behind my bills because child birth. 
I have paid all the accounts in full and all the accounts is close but still showing on my credit report which is really affecting me negatively.

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 2023-02-03 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: NC

Complaint narrative:
These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

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 2023-02-03 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: NC

Complaint narrative:
These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: EdFinancial Services
State: MD

Complaint narrative:
Early last year, I applied for the XXXX XXXX XXXX XXXX program and in XX/XX/XXXX, my student loans were transferred from EdFinancial to XXXX. 

On XXXX XXXX, XXXX while checking my credit report, I noticed that my student loan balance was doubled because it was reporting twice. Upon further inspection, I realized that EdFinancial is still reporting my loan account as open with the full balance. 

I contacted EdFinancial that same day via chat to have the discrepancy resolved. I was told that I needed to dispute the information with the credit bureaus, at which point EdFinancial would confirm the account is closed with XXXX balance and it would be updated correctly. 

I submitted disputes with all three credit bureaus on XXXX XXXX, XXXX. On XXXX XXXX, I was notified by XXXX that EdFinancial confirmed that the account was still open and the full balance was correct, so no changes were made to my credit report.

EdFinancial continues to report erroneous information to the credit bureaus. My account is paid in full with them and closed ( which is reflected if I log into my account ) and yet they continue to report something different to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: IN

Complaint narrative:
XXXX, XXXX, Equifax, as a consumer reporting agency, is governed by 15 USC 1681 and I have evidence that they have violated my rights under this act multiple times. The following accounts listed below were furnished by XXXX, XXXX, Equifax without my written consent and I demand their immediate deletion : XXXX XXXX XXXX  Account Number : XXXX According to 15 U.S.C 1681 Section 602 A, I have the right to privacy. Additionally, Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) also states that a consumer reporting agency may not make any report containing adverse information that antedates the report by more than seven years. Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) requires that a person shall not furnish any information about a consumer if they know or have reasonable cause to believe that the information is inaccurate. 

I also did not authorize the following companies to access or pull my credit report, and these inquiries were fraudulent. I have contacted these companies and they have no proof of authorization or permissible purpose : 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  In conclusion, I demand immediate removal of these blatant violations of my rights. Failure to do so will result in me taking legal action against all parties involved. I request that the Consumer Financial Protection Bureau takes swift action in resolving this matter and ensuring that my rights are protected. Thank you for considering my complaint.

Company response to consumer: Closed with explanation