vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

XXXX XXXX XXXX Account Number XXXX XXXX I have contacted the companies and requested that they remove the inquiries from my credit report as they were unauthorized. However, I have not received any response from them. Kindly investigate my claim per the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report at the address provided above. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Midland Credit Management Inc sued me on XX/XX/XXXX about a credit card where the last payment was made in XX/XX/XXXX. The statue of limitation for Utah is 4 years. I am living solely on VA XXXX benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act these companies have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 USC 1681 Section 602 states I have a right to privacy.15 USC 1681 states a Consumer Reporting Agency can not furnish an account without my written permission.

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 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, representatives signed for the certified dispute letters that was sent to XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  for the accounts on my consumer reports. I have not been notified of status of the investigation neither did the company notify the credit bureaus for them to leave the comment required by law stating the the account was in dispute within 30 days. The companies mentioned above have broken the law and I'm requesting that the negative accounts be removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act these companies have violated my rights. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 

15 USC 1681 Section 602 states I have a right to privacy, 15 USC 1681 states a Credit Reporting Agency can not furnish an account without my written permission.

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 2023-04-01 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: MA

Complaint narrative:
On XX/XX/XXXX and on XX/XX/XXXX XXXX made a hard inquiries without my knowledge of and any express consent from me the account Holder known as Holder In Due Process. These inquiries are unauthorized and considered as fraud, I have notified both Equifax who fail to conduct a proper investigation and failed to provide me with a full disclosure of both the investigation and proof of accuracy of the information and XXXX who claim that they do not have or could not locate my information in their database. This has been an on going battle that should not occur in any circumstances as I the Holder In Due Process do not authorized or consent to contract with either of those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Accounts is inconsistent across all 3 bureaus. Under 15 u.s.code 1681e ( b ) accounts are in violation not reporting 100 percent accurate.

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 2023-04-01 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: LA

Complaint narrative:
Equifax continues to furnish Previously Disputed unauthorized non public confidential Consumer account information. Child Support and XXXX accounts are adversely effecting my Consumer Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted my dispute on XX/XX/2023, and the credit bureau have not responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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:
It's been over 30 days since I filed my first complaint and this is causing hardship on me these negative items that's on my credit report under usc 15 1681 I never gave consent for any one to furnish my credit report and the inaccuracy is a violation of the fcra usc 1692g and I ask for verification of the debt with my wet signature on the original contract none have been provide or I would like all negative items deleted off 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 2023-04-01 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I over paid my Citi XXXX XXXX my regular payment was XXXX I sent XXXX by mistake. I discovered my mistake before my payment was due for XX/XX/XXXX therefore I went to CITI Card requested a Refund of this amount pay regular payment of XXXX my account. Several days later I received a letter from Citi Bank informing me if I take the Refund of my payment made with MY Money I would be over the limit. Several years before doing the Pandemic my credit limit was reduced and cash withdrawal were cancelled. My card was increase by the amount of the Refund XXXX. I filed a complaint while discussing this issue with a Executive that call me about my complaint he ask didn't I ask for a loan I informed him I DID NOT ASK FOR A LOAN AFTER ALL CITI CARD TOOK THOSE RIGHTS AWAY THE YEAR BEFORE. I have never missed a payment or been late on this card. Citi Card sent misinformation to the Credit Agencies. Presently that information is still on my file reduced by Credit Score by XXXX points. How is it possible you can return a refund to me later add to my account as a loan.

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 2023-04-01 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 XXXX  account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. States a Consumer Reporting Agency can not furnish a account without my consent.

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 2023-04-01 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 XXXX  account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. States a Consumer Reporting Agency can not furnish a account without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My bank, Navy Federal was contacted regarding a Debit card fraud claim. I submitted the claim on XXXX for Debit card ending in XXXX in the amount of {$1200.00}. The bank was advised that I did not have the card in my possession during the time of the transactions because I was in XXXX, Alabama and the transactions reflect local charges. I provided a police report after the claim was denied, however a representative has advised me that the claim is closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: GA

Complaint narrative:
Transunion is reporting XXXX as derogatory on my consumer report when XXXX is reporting paid. Transunion is reporting this account as a charge off but according to the IRS charger-offs are considered a certificate of indebtedness, which is considered income. Income can not be reported on a consumer report. Also, the fact that the info is not being reported the same across all three agencies is a violation of 15 USC 1681. All info should be reporting fair and accurately according to this code.

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 2023-04-01 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: LA

Complaint narrative:
Experian is furnishing Hard inquiries not connecting to open accounts and firm offers of credit pursuant to the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX I have contacted the banks and XXXX to Delete with no results for Law and privacy violations

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 2023-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd
State: FL

Complaint narrative:
Hi, on XX/XX/2022 my Wise bank account was blocked for no reason, I contact them to see what was happening, on XXXX XXXX XXXX they answered me that they decided to close my account, they didnt gave me any reason and they asked me for an account number and routing number from another account under my name to send me the funds that remain on my account at the time that was closed, XXXXXXXX XXXX ( XXXX $ approximately ). I immediately provided my banks details, they told me it would take about XXXX business days, I waited XXXX month and never received the funds, after that I contact them again and they changed me the information and told me it could take up to 60 days, even dough thats too much waiting time to wait for a reimbursement I waited the 60 days, but I still have not received my funds. I have contacted the bank customer support for an answer to this matter but now they dont want to give me more information, I have called them several times and wrote them a lot of emails and they only reply me automatic email saying my account was closed and there is nothing else to do and by phone they told me the same that my account is closed and they dont have more information about my funds. I am very concern about this issue I had a lot of problems lately because I need my funds to paid for my living and medical expenses and they dont care about that, I dont know what else to do, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: NJ

Complaint narrative:
I wrote this company several times about charge off thats on my credit as a credit card claiming monthly payment was made when that is false these are doctor bills that should never been on my credit I have XXXX and XXXX I dont pay for insurance its free and all medical bills are covered on top of that I got a law suit and any medical bills that was left was paid for the credit company failed to investigate they lied and sent a notice stating they investigated when they did not because they would seen that no medical bills should be on my credit this is a violation to hippa rights also I gave nobody permission to release any doctor I seen or any written or verbal right to anyone containing to my medical my lawyer has stepped in because these bills are paid they not supposed to be on my credit at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: NJ

Complaint narrative:
I wrote this company several times about charge off thats on my credit as a credit card claiming monthly payment was made when that is false these are doctor bills that should never been on my credit I have XXXX and XXXX I dont pay for insurance its free and all medical bills are covered on top of that I got a law suit and any medical bills that was left was paid for the credit company failed to investigate they lied and sent a notice stating they investigated when they did not because they would seen that no medical bills should be on my credit this is a violation to hippa rights also I gave nobody permission to release any doctor I seen or any written or verbal right to anyone containing to my medical my lawyer has stepped in because these bills are paid they not supposed to be on my credit at all

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 2023-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I have obtained my credit report and found accounts Ive never opened, and addresses I never resided, inquiries I never made and also different variations to my name. I also found this account that I believe is not mine : Acct name : MIDLAND CREDIT Original Creditor : XXXX XXXX balance {$1700.00} I am not liable for this debt and I do not have a contract with : Company : MIDLAND CREDIT Ive filed multiple disputes. Filed a complaint with the XXXX. Ive attached Police report & also letters Ive sent MIDLAND CREDIT. I also plan to consult with an attorney about this matter. Please delete this account from my credit report at once. I need a response from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: LA

Complaint narrative:
I begin trying to fix my credit, seen a few things like personal info and accounts, and hard inquiries I did not recognize, I tried to dispute some came off report so.e did not. Still XXXX collection that's fine did have issues with stolen identity, did report is and ssc was stolen. Left friend along with my phone, she thought she was doing me a favor, she disputed somethings she shouldn't have. I was made aware by Experian when I got home. She apologize. I tried to dispute the recent disputes but, it was too late they went through, as a result I, have no credit history, and I am trying to build credit to buy a car, I payed {$200.00} to XXXX XXXXXXXX for a secured credit card and than I got an email saying that they can't continue the offer because of a dispute with Experian, and I also had a XXXX  day free trial with expian that it will not let me cancel, My goal is to pay what I owe I don't want anything extra except the credit that I had before XXXX XXXX, when the online disputes took place and I would like my credit report to return to normal please help

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 2023-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Collins Asset Group, LLC
State: MD

Complaint narrative:
On XX/XX/2023 ACCELERATED INVENTORY MANAGEMENT LLC ( AIM ) through XXXX XXXX XXXX and XXXX XXXX XXXX XXXX filed, without any attempts to deliver notice to me that I may have sufficient time to answer in a timely manner, a civil action filed with subterfuge in violation of State and Federal law. If not for the receipt by USPS mail of an unsolicited advertisement from a XXXX, Maryland area attorney, I would have not know about the civil action AIM, XXXX, and XXXX caused to be filed in the DISTRICT COURT OF MARYLAND FOR XXXX XXXX four hundred thirty ( 430 ) days after the statute of limitations had expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
Santander Consumer USA is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Santander Consumer USA to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; Santander Consumer USA did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking Santander Consumer USA to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Klarna AB
State: GA

Complaint narrative:
I received a letter from Klarna that was dated XX/XX/2023 stating that I had until XX/XX/2023 to pay a debt owed or I would be sent to collections. I did receive the letter until XX/XX/2023. My account had already been sent to collections before I was aware of the potential for that and/or able to resolve it prior to.

Company response to consumer: Closed with explanation