vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-05 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: TX

Complaint narrative:
Transunion Credit Reporting Agency, is reporting an account balance and past due amount incorrectly on my credit profile. As a result, this is negatively impacting 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 2022-06-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/2019 filed identity theft report with the federal trade commission {$390.00} {$500.00} acct number XXXX XXXXXXXX XXXX XXXX  acct number XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX wa XXXX 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 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 2022-06-05 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act DEPT OF EDUCATION Acct # XXXX, Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX  Acct # XXXX, has violated my rights. 

XXXX5 USC 1681 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instruction.

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 2022-06-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Mailed dispute to Experian on XXXX. Requested Experian dispute for unauthorized inquiries that are in my file. 
As of today, have not received any correspondence from Experian.

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 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau : I am contacting you because I understand that the Consumer Financial Protection Bureau helps consumers by providing educational materials and accepting complaints, and that your bureau supervise banks, lending institutions, and large non-bank entities, such as credit reporting agencies and debt collection companies. I submitted a request to Transunion on XX/XX/2022 showing that there are incorrect information being reported on my credit profile. I requested that they validate the inaccurate inquires on my credit report with the companies as I demand to see verifiable proof of any original documentation associated with these inaccurate inquires accounts bearing my wet-ink signature, authorizing an inquiry. I sent XXXX a certified letter letting them know that the info was incorrect and it has been well over 45 days and I have not gotten response as of today XX/XX/2022. 



The Fair Credit Reporting Laws are in place to ensure that bureaus only report 100 % accurate credit information therefore the below inquires needed to be investigated. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and is a serious breach of my privacy rights. Also according to Section 609 ( a ) ( 1 ) ( A ), the credit bureaus are required by federal law to physical verify the original signed consumer contract, any and all accounts that you post on your credit bureaus credit report. I am respectfully requesting that the Consumer Financial Protection Bureau assist me with having these fraudulent inquiries accounts removed from my credit report as they have hurt my ability to obtain credit. Under the FCRA, I also requested that if XXXX was unable to provide me a copy of verifiable proof, that they must remove the inaccurate inquires accounts from my credit report. In closing, I would like to thank you for taking time out of your busy schedule to review my request! 



Please let me know the outcome of this request. 



Sincerely, XXXX XXXX XXXX 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 2022-06-05 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: SUNCOAST CREDIT UNION
State: WI

Complaint narrative:
A XXXX  / debit card was fraudulently opened in my name with a {$25.00} deposit to open the account on XX/XX/XXXX at Suncoast credit union. I filed a police report with XXXX XXXX XXXX and both called the company to get them to send us a fraud letter showing the account is closed and to disclose more information about how the account was opened. The email used was XXXX email. I also contacted gmail and let them know the email is fraudulent. The company has not sent the letter despite two calls from me and it's been over 10 days. Last spoke with XXXX XXXX on XX/XX/XXXX. I simply want all the information about who opened this account, how the money was transferred in and a letter stating the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, also date of last payment, and no. of months inaccurate. This grounds for removal. 

These Accounts include : XXXX and account # XXXX XXXX  XXXX  and Account # XXXX They also violated my rights under : 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.

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I also affixed copy of report from Equifax and XXXX where they stated that my account is verified and also there is a copy of my recent credit report showing inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: AL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX 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 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 2022-06-05 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act DEPT OF EDUCATION Acct # XXXX, Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 USC 1681 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instruction.

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 2022-06-05 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: EQUIFAX, INC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act DEPT OF EDUCATION Acct # XXXX, Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 USC 1681 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX IS ABUSIVELY CONTINUING TO REPORT INACCURATE PERSONAL INFORMATION Despite more than 12 disputes and proof of identification for the last 24 months, Equifax again has yet added a fraudulent address and account to my credit report. And refuses to fix. 
My name is XXXX XXXX. I am attaching my XXXX XXXX  Card and State Drivers License for verification purposes. 
My legal, residential and complete physical address is : XXXX XXXX XXXX XXXX, XXXX FL XXXX. All other addresses are fraudulent and do not belong to me, THEY MUST BE REMOVED IMMEDIATELY per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
On XXXX I called XXXX, after receiving a letter dated XXXX. The purpose of my call was to request my XXXX credit card account be closed immediately. The purpose of their letter was to tell me XXXX was changing credit card companies and would be closing my existing account in the near future and opening a new account for me through Barclays Bank. 

In my conversation on XXXX with XXXX, the XXXX customer service representative, I requested my XXXX card be closed immediately and directed that a new card not be issued, because I did not agree with the terms of the new card. Specifically, I was opposed to the interest rate in excess of 25 percent. I was very clear that XXXX and Barclays Bank did not have my authorization to open a new credit card account in my name. XXXX confirmed a new Barclay 's account would not be opened. 

In the mail on XXXX, not only did I receive a new credit card from Barclays Bank in my name, but my husband and daughter also received credit cards under the same account. 

Unbelievable! As a XXXX XXXX at another banking institution, I am absolutely sure if I were to open an account for a consumer without their knowledge and after they specifically had told me they did not want the account, I would no longer be working for the bank. 

XXXX and Barclays Bank opened a new credit card account in my name, without my knowledge, and against my wishes. As a consumer, I view this as fraudulent bank activity and both companies are at fault in allowing this to occur.

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 2022-06-05 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: SYNCHRONY FINANCIAL
State: MI

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

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : a creditor may not trat a payment on a credit card account under an open end consumer credit plan as for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
I do not have written correspondence from this collector, nor notice from them regarding this matter. 

Amount Due In Question - I received more than XXXX different amounts, when contacted by the creditor, about an amount being due, which also differ from the {$320.00} which was reported by the collection agency. 
- Ledgers provided from creditor include handwritten entries and charges which were added after the date of my move out Prior to this becoming a debt, several attempts were made in XXXX to resolve with the creditor including : -Email to property manager inquiring of security deposit refund -13 calls made to property and billing department which were unanswered and unreturned. 


Attempted Resolution With Creditor ( Prior to Debt ) Amounts owed and outstanding were to be sent via mail to the forwarding address which was provided to Creditor. Per the lease agreement, this would occur within 30 days upon move-out ( my move out date was XX/XX/XXXX ). Upon move-out, the property signed my move out forms, and I was not aware or notified of any balances being due. 

I had not received correspondence of balances due, nor did I receive my refunded security deposit. Because of this, I reached out to the Creditor directly via email ( first email sent XX/XX/XXXX and no response ) and multiple calls. I did not receive a response on any of these attempts. 
Communication regarding any outstanding amount was not received until almost 2 months later. This included amounts that were charged to my account after the date of my move-out. 

After several attempts to resolve, I contacted an attorney ( XX/XX/XXXX ) who further advised that this was a landlord-tenant issue, and that Creditor was in violation of the lease agreement. 

Had I been notified of past due amounts- whether upon move out or within the 30 days of moveout - I would have immediately paid this amount. 

It was not until I reviewed a change in my credit report that I had knowledge of this being submitted as a debt, or that the debt was with the Collection Agency reporting it.

This has not only negatively impacted my credit score, but also has halted my husband and my plans to submit loan applications in the near future. In neither case did XXXX nor this Collector provide me with proper forms of notice. I feel it would be very unfortunate for any consumer to be penalized for a business negligence. Not only was I persistent in attempts to resolve this prior to being submitted as a debt, but I have no written correspondence from this Collector. I make every effort I can to pay my accounts on time, and have done so consistently because keeping my credit in good standing is extremely important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: NY

Complaint narrative:
I have a XXXX account that I opened XX/XX/XXXX. Apparently, XXXX changed the banks the company uses for purchases on several occasions and every time this happens XXXX reports to the credit bureaus that I closed my account. From my understanding, the letter I received from XXXX about these changes stated that I will continue to have the same customer number, but they will provide me with a new XXXX account number. The issue is that on my credit report it shows my XXXX account that I originally opened which listed as by " XXXX XXXX Credit Account '' on XX/XX/XXXX. This account was fraudulently reported as being closed on XX/XX/XXXX. Another XXXX account listed as XXXX XXXX XXXX XXXX XXXX  '' was fraudulently reported that I opened this account on XX/XX/XXXX, following the " supposed '' and " fraudulent '' closure of the previous account which was fraudulently reported as being closed on XX/XX/XXXX. This account was also fraudulently reported as being closed on XX/XX/XXXX. Lastly, another XXXX account listed as " XXXX XXXX XXXX XXXXt '' was fraudulently reported as being opened on XX/XX/XXXX, which contradicts the previous reported date of my XXXX  account being closed on XX/XX/XXXX. This account is reported as still being active. My customer number on these accounts did not change, but there were changes to me XXXX account number on all of them. At the moment I do not have access the different account numbers that were provided to me. I am currently trying to retrieve them from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05 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: NY

Complaint narrative:
I have a XXXX account that I opened XX/XX/XXXX. Apparently, XXXX changed the banks the company uses for purchases on several occasions and every time this happens XXXX reports to the credit bureaus that I closed my account. From my understanding, the letter I received from XXXX about these changes stated that I will continue to have the same customer number, but they will provide me with a new XXXX account number. The issue is that on my credit report it shows my XXXX account that I originally opened which listed as by " XXXX XXXX Credit Account '' on XX/XX/XXXX. This account was fraudulently reported as being closed on XX/XX/XXXX. Another XXXX account listed as " XXXX XXXX XXXX XXXX '' was fraudulently reported that I opened this account on XX/XX/XXXX, following the " supposed '' and " fraudulent '' closure of the previous account which was fraudulently reported as being closed on XX/XX/XXXX. This account was also fraudulently reported as being closed on XX/XX/XXXX. Lastly, another XXXX account listed as " XXXX XXXX Credit Account '' was fraudulently reported as being opened on XX/XX/XXXX, which contradicts the previous reported date of my XXXXXXXX account being closed on XX/XX/XXXX. This account is reported as still being active. My customer number on these accounts did not change, but there were changes to me XXXX account number on all of them. At the moment I do not have access the different account numbers that were provided to me. I am currently trying to retrieve them from 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 2022-06-05 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX accounts # XXXX, # XXXX, and # XXXX, have 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.

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 2022-06-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX accounts # XXXX, # XXXX, and # XXXX, have 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX accounts # XXXX, # XXXX, and # XXXX, have 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.

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