vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-05 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


( XXXX Acct # XXXX ). ( XXXX XXXX, XXXX  XXXX, Acct # XXXX ). ( XXXX XXXX, XXXX, Acct # XXXX ). ( XXXX XXXX, XXXX XXXX XXXX # XXXX ) ( XXXX XXXX Acct # XXXX ). XXXX XXXX  XXXX XXXX Acct # XXXX ). ( XXXX XXXX Acct # XXXX ). ( XXXX Acct # XXXX ). ( XXXX Acct # XXXX ). ( Citi XXXX XXXX ). ( 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 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 conviction 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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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


( XXXX Acct # XXXX ). ( XXXX XXXX, XXXX XXXXXXXX, Acct # XXXX ). ( XXXX XXXX, XXXX, Acct # XXXX ). ( XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX ) ( XXXX XXXX Acct # XXXX ). XXXX XXXX  XXXX XXXX Acct # XXXX ). ( XXXX XXXX Acct # XXXX ). ( XXXX Acct # XXXX ). ( XXXX Acct # XXXX ). ( XXXX XXXXXXXX XXXX ). ( 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 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 conviction 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 2023-02-05 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: TX

Complaint narrative:
( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX Account NumberXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: TX

Complaint narrative:
( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OR XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2023-02-05 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trades Commission Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
It's XXXX a few years since I had this account, I don't quite remember dates and amounts. I was charged everyday for 3 weeks seen overdraft fee, if I recall correctly, {$35.00} every day.

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 2023-02-05 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: VA

Complaint narrative:
The following loan below were taken over By XXXX yet both XXXX and XXXX XXXX XXXX  are reporting them on my Equifax Credit Report. How is XXXX XXXX still reporting these loans to Equifax when they are no longer the servicer of the loans? XXXX is currently reporting these loans to Equifax as well therefore I am showing double the obligation on my Equifax Credit Profile. 

XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$900.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$13000.00} In good standing XXXX  XXXX  XXXX Reported : XXXX XXXX, 2023 {$23000.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$17000.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$740.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$13000.00} In good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase Bank 's website is not allowing me to login with correct credentials. The " forgot your password '' function does not work. I have reset my password several times only to have login reject my correct username and password. Their app has the same problem. I have contacted their customer service about this and nothing has been done. I have read stories of many others who have had the same issue over the past few months. I do not have the time or patience to call their customer service during their short hours of availability every time I need to pay my bill, nor can I hardly understand their internationally outsourced customer service representatives. I believe the inaccessibility for me to pay my bill is a major problem on their part and it needs to be fixed or else they should be penalized, or at least forced to notify customers that their website is not working properly, or temporarily shut it down and fix it so as not to mislead their customers into thinking online bill pay is an option when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record immediately. Because my laws have been violated! 

Item Number Company Name Account Number Comments 1. Midland Credit Management MCM Account # XXXX, Original Account Number : XXXX 2. XXXX XXXX XXXX, Reference ID : XXXX Account # : XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 
I am requesting the original purchase agreement that shows they are the legal owners of these alleged debts. Please include all the terms and conditions that are included these purchased agreements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
On XX/XX/2023 Medical Data Systems furnished an account on my consumer report without my consent without permissible purpose and that is in fact a violation of 15 US Code 1681b, thats a violation and I demand {$1000.00}. Also, the Medical Debt credit Reporting act came to an agreement with the credit agencies that should not be reported to consumer reports if the value is less than {$500.00}. This account was added last week and the settlement went into effect beginning of this year. Remove this from all of my consumer reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
XXXX First Franklin is absolutely the worst place to trust with your finances. We took out a mortgage to fix our home but got in over heads and need to move. My daughter and son in law decided they wanted to purchase the home from us. First Franklin said they arent doing any new loans and there werent options to change it into their names. So we started making extra payments which were suppose to go PRINCIPAL to pay the loan off quicker accept that isnt what they did with them interest and escrow! So contacted them and were told we are six months ahead but when we given the option for the extra escrow money {$320.00} to go to PRINCIPAL now we are only one month ahead I have all my receipts and my financial counselor agrees this isnt right and the company needs to be reported. XXXX XXXX lied to her about not knowing my extra payment were for PRINCIPAL the whole office knows the situation and lied to the VP of the company about posting the payments incorrectly, he knew what he was doing. Simply shameful to take advantage of people who trust you. Never getting a cash payment again, always keep documentation of everything!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: FL

Complaint narrative:
Hello My name is XXXX XXXX, and I am a United States citizen. As a citizen here in United States, I am protected under 15 USC 1681.

Equifax has violated my rights numerous times under 15 USC 1681.

According to 15 USC 1681 : I have the right to privacy and I never gave Equifax my written consent to furnish these accounts.

I demand Equifax remove the accounts listed below because they simply do not belong to me. Also I demand that these accounts be removed AGAIN, since they were removed before, and they reappeared on the account for no apparent reason. 

I spoke to an Equifax supervisor today and he stated that he never got any original written consent proof to show that I agreed to have these account information furnished. I have a recorded conversation that has him stating that Equifax never received any info of any written consent form that was requested. 

We had filed an FTC complaint as well. 
Accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX previously removed and not on the report currently as of today - XX/XX/23 are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attached , you will find the FTC complaint that we filed XXXX FTC Complaint number : XXXX XXXX 

Also attached, you will find proof of removal from the credit that was previously reported by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My father passed away the house was transferred to me I made payment to Wells Fargo and kept trying months went on for almost a year before they would even allow me access to the account to make payments. They rarely returned my calls, and when I called I sat on hold sometimes up to 45 min! I fell behind on the payments I was asked to make payment for a trial period to catch up but I was given 3 months to do it but I still had no information from Wells Fargo on assuming the loan or where to make payments they kept telling me that my representative was on vacation well long story short I LOST my fathers home my inheritance and my childhood home to foreclosure! I had tried several times a day to talk to them they never returned my calls or emails and I sat on hold for hours!,, they now have my home listed for a large amount of money AND they are listing FALSE details regarding the home such as square footage bedrooms etc can someone Please help me I have a entire folder of a years worth of information and dates and documents that I am more than willing to hand over and share to show Wells Fargo is dishonest and does very shady business they ripped me off and basically stole my home!,,,

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 2023-02-05 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: IN

Complaint narrative:
I have had a card with XXXX  XXXX for a while and they are misreporting delinquincy on my XXXX  XXXX XXXX  and XXXX XXXX. I have tried to dispute it and they will not take it off.

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 2023-02-05 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: FL

Complaint narrative:
On XX/XX/2022, I sent a letter certified tracking XXXX XXXX XXXX XXXX XXXX XXXX to get inaccurate information on my credit report investigated. 
The credit bureau stated that the below accounts were properly investigated but how is that possible if there is still inaccurate information on my credit report. This is grounds for REMOVAL. They 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 as well.

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 2023-02-05 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: MD

Complaint narrative:
I Have an open investigation due to identity theft from the Equifax data breach and they ( the CRA 's ) stated it will take XXXX days to respond, however, the account is still reporting during the investigation time frame, this is currently reporting false information that is illegal and they are in violation AT THIS MOMENT. sure, take XXXX days to respond, but this needs to be removed until they respond. The FRCA also states these items must be removed until they can verify the account or investigation is complete. 

These accounts are fraud and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: TX

Complaint narrative:
I Sent Transunion several notices from US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX for immediatate removal of an account they are reporting on me twice. One account is in good standing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  not under dispute. 

Per the XXXX XXXX XXXX XXXX I gave Transunion the letter which states that my student loans have been transferred to a new loan servicer XXXX XXXX XXXX Until now, these loans have been serviced by the US Department of Educations XXXX XXXX XXXX, which services defaulted federal student loans ( XXXX is servicer loan was with when it went into default ). But because I have rehabilitated these loans, this letter serves as notification to the national credit bureaus to delete the record of default from your credit record ( DELETE XXXX ). Furthermore, you are again eligible for all of the benefits associated with the rehabilitated loans before default ( XXXX XXXX XXXX XXXX shows that Transuinon is reporting : 90 day late student loan, which should have been deleted upon rehabilitation ). Any question contact US Departement of Educations XXXX XXXX XXXX XXXX XXXXXXXX. 

The account that is in dispute is in a negative standing, Date Account Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX For the same US Department Of Education Student loan debt, thats exactly the reason why they have same Account Open dates XXXX XXXX XXXX XXXX XXXX XXXX 

The Negative Account Needs To Be Deleted IMMEDIATALY. Transunion says they will continue to update closed negative account for the next XXXX XXXX, along with positive account in good standing hurting my credit score negatively. XXXX and XXXX have Deleted XXXX XXXX XXXX XXXX XXXX  once I notified them of this clerical error which impacted my credit score negatively. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, I may be able to sue in state or federal court. I have the right to file an action to enforce an obligation of a consumer reporting agency to you under this chapter in any court as provided by the Fair Credit Reporting Act ( 15 U.S.C. Section 1681 et seq. ), as amended, or, if agreed to by both parties, the action may be submitted to binding arbitration after the you have followed all dispute procedures in Section 20.06 of the XXXX Business and Commercial Code and have received the notice specified in Section XXXX XXXX XXXX  ) in the manner provided by the rules of the XXXX XXXX XXXX. Transunion is not in compliance reporting on the same debt twice this is illegal.

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