vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-18 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 2023-03-18 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: FL

Complaint narrative:
looking into my credit report I am interested in processing disputes on all inaccurate information on my credit report with transunion. none of the information listed is correct please remove all data to help clear my file asap.

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 2023-03-18 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 2023-03-18 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX 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 purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I received a call on XX/XX/2023 from comenity bank stating that I have not paid my bill for two months which is inaccurate. I did not receive any information regarding what account as I have multiple credit cards under comenity bank and believe I have paid them all off. When I finally discover that the problem is regarding my childrens place credit card I log into my account and see that all my outstanding transactions are paid off but I am being charged a late fee on top of a late fee that I did not know I had plus interest on those late fees. I did know I had these fees since I am not receiving any paper or electronic statements. So my outstanding balance is purely late fees and interest accumulated which is entirely unfair as I had been charged the late fee. When I paid my last outstanding balance the payment was posted the next day however the late fee was charged on XX/XX/2023 which is when my monthly payments are due, how can a late fee be charged the same day my payment is due. I spoke to a customer service representative who said my payment due date is the XXXX of every month so why was I charged the late fee before the end of the day. Either way when I made my payment the late fee was not applied to my payment due so of course I paid the exact total of my outstanding balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18 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: FL

Complaint narrative:
looking at the information listed on my credit report I am interested in processing disputes with Equifax to clear all inaccurate information listed on my credit report. please delete the items listed to help clear my file asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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 Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 2023-03-18 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 Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 2023-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MN

Complaint narrative:
Someone fraudulently purchased Bitcoin and withdrew it on my account on two separate occasions/transactions. XX/XX/2023 at XXXX XXXX  and amount of XXXX XXXX ( {$100.00} ) was purchased then withdrew to an external wallet. XX/XX/2023 at XXXX XXXX  an amount of XXXX XXXX  ( {$400.00} ) was also purchased and withdrawn. I didn't authorize nor did I make these purchases. I was in the hospital and was having XXXX at the time of them and I had no knowledge of it happening. I asked cash app for a investigation and for my money to be returned and they denied my claim!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: FL

Complaint narrative:
looking at all the data listed I am interested in processing disputes with transunion on my credit report for all inaccurate information listed. this is hurting my file I need all data removed asap. please delete the following information requested.

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 2023-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Since XXXX I have linked my XXXX XXXX to Paypal in order to protect my purchases. My card expired, and they had to send me a replacement. When I went to activate it I was told an individual had flagged my account. I believe when I first signed up I was required to send my Driver 's License 18 years ago. Paypal was required to validate my XXXX account at that time and they did. XXXX has my actual driver 's license on record. I am XXXX XXXX XXXX, and recently retired. It appears Paypal wished to discriminate against the XXXX  and when I went to Validate I was refused. They NOW demand private information that is bogus ; an electric bill and water bill. Neither of these validates an individual as they claim. For several years when my daughter was alive I paid her electric bill and water bill. She lived in XXXX XXXX Fl and XXXX, Florida. I live in XXXX XXXX XXXX, Florida. The only breech I have seen has been Paypal allowing an individual in XXXX to steal over {$300.00} out of my account without putting security measures into place which I learned of and notified them immediately. It was proven my account had been charged fraudulently. At that time I was sent a replacement card and had no problem validating it at the time without the demand of giving them private accounts they are not entitled to. I deliberately allowed the account to reduce to {$15.00} based on not tieing money up with them until the new card was activated. Just some instinct as I had attempted to get an active account on our NonProfit and got so much harassment by Paypal I gave up. They were not worth it. Its still in limbo. No matter what you send to them, they run you in more circles. At this time my account can not be activated. My address is real as I received the card at that address therefore validating it is real. My remaining money is not accessible. I will not send my DL that is on record with XXXX XXXX  they can obtain through them due to a Florida DL law that does not allow us to duplicate DL and for my own security. I also have a stalking problem with my ex son-in-law who is believed to be the person who stole out of my account and I do not want additional information on Paypal records that has already had several breeches of security with information obtained of client bases. What they are demanding of clients in no manner will validate a client and is void of reasoning. I believe I am being discriminated against due to retirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
bounced checks due to low funds when I knew that I had money in the account. was told when I tried to rectify it I was told that I wasn't welcome there.

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 2023-03-18 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2023-03-18 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:
According to U.S.C 1681 Section 602 I have The right to privacy 15 US Code 5 Section 1681b : Permissible purposes of consumer reports U.S.C 1681 Section 602 The right to privacy 15 US Code 5 Section 1681b : Permissible purposes of consumer reports Experian keeps on updating the fraudulent accounts on my credit report after I have asked them numerous of times to delete those fraudulent accounts. At this time I would like be compensated {$1000.00} per violation for them violating my rights. XXXX does not have me in their system as customer. They told me they dont have a date these alleged accounts were opened nor can they provide me a balance. They told me they told me they will be investigating, and deleting these fraudulent accounts, but less than a week after I submitted my dispute, I have already heard back from Experian claiming to have updated the accounts. Disputes take up to 30 days. A proper investigation can not be completed in less than 7 days. This is what I have been dealing with with Experian. This is racism, and notl only I would like {$1000.00} per violation, also I would like {>= $1,000,000} for pain and suffering. I have been stressed and unable to get housing, a good job, and get funding for my business. I truly believe I am being targeted by Experian, and I would like this settle in court since they are refusing to delete these fraudulent accounts. Once again I never signed any contracts with XXXX bank nor have I done any business with the entity to have them reporting on my credit file. I am seeking a lawsuit. I have reached out to my lawyer, and they will be receiving a court soon. The accounts I am referring to are below : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: TX

Complaint narrative:
I disputed on XX/XX/XXXX a late payment that is currently listed on my Experian credit report, They reply was " not able to honor my request ''. I previously disputed this information with the agency back in XX/XX/XXXX, and it was not properly investigated. The information remains on my credit report and continues to negatively impact my credit score. 
The late payment in question appears on my credit report under my name. The payment was due on XX/XX/XXXX and I made the payment in full on XX/XX/XXXX. However, it was reported as being 30 days late. I believe this information is inaccurate and unfairly reflects on my creditworthiness. 
The continued listing of this late payment despite previous investigation suggests that Thier procedures have not been adequate in this case. 
I have attached any relevant documentation that supports my claim. Such my bank statement of full payment in time to XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: FL

Complaint narrative:
CHARGE OFF REMOVAL XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern : As you know it is against the law to report any inaccurate information. 
The IRS defines a charge off as : gross or ordinary income- so how is this reporting as debt on my consumer report. There are 2 inaccuracies on my consumer report ; XXXX XXXX  and XXXX XXXX that you are reporting unlawfully. 

You are in violation of 15 USC 1681- accuracy and fairness of credit reporting ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Furthermore, you are in violation of 15 USC 1681b - Permissible purposes of consumer reports which states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. - I have NEVER given you written instructions to report this on my consumer report.

You are in violation of 15 USC 6801 : Obligations with respect to disclosures of personal information. You were supposed to PROTECT my information, instead you unlawfully reported inaccuracies.

You are in violation 15 USC 6802 - There were three ( 3 ) disclosures that you were legally supposed to provide me with that you did not. I was not provided with any of these disclosures.

1. You were supposed to inform me if you were going to report anything on my consumer report, which you did not.

2. You were supposed to provide me with a way to opt out, which you did not 3. You were supposed to inform me how to exercise my right to opt out and what steps to take to not report on my behalf, which you did not.

There are multiple federal violations here.

I demand this charge off to be permanently deleted from my consumer report, immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX, XXXX XXXX XX/XX/XXXX SYNCB/GOOGLE XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX CAP XXXX NA 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 2023-03-18 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:
n 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 this item has violated my rights, 15 USC 1681 section 602 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 an account without my written instructions.

15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 INQUIRY-XXXX INQUIRY DATE XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: FL

Complaint narrative:
CHARGE OFF REMOVAL XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern : As you know it is against the law to report any inaccurate information. 
The IRS defines a charge off as : gross or ordinary income- so how is this reporting as debt on my consumer report. There are 2 inaccuracies on my consumer report ; XXXX XXXX  and XXXX XXXX that you are reporting unlawfully. 

You are in violation of 15 USC 1681- accuracy and fairness of credit reporting ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Furthermore, you are in violation of 15 USC 1681b - Permissible purposes of consumer reports which states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. - I have NEVER given you written instructions to report this on my consumer report. 

You are in violation of 15 USC 6801 : Obligations with respect to disclosures of personal information. You were supposed to PROTECT my information, instead you unlawfully reported inaccuracies. 

You are in violation 15 USC 6802 - There were three ( 3 ) disclosures that you were legally supposed to provide me with that you did not. I was not provided with any of these disclosures. 
1. You were supposed to inform me if you were going to report anything on my consumer report, which you did not. 
2. You were supposed to provide me with a way to opt out, which you did not 3. You were supposed to inform me how to exercise my right to opt out and what steps to take to not report on my behalf, which you did not. 

There are multiple federal violations here. 
I demand this charge off to be permanently deleted from my consumer report, 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