vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On the XXXX of XX/XX/XXXX ( XXXX YEARS AGO ), I Got an email telling me that my account was permanently limited and that I would be unable to do business with PayPal anymore ( Ref id - XXXX ), I was told to wait for XXXX days of which I diligently waited, then on the XXXX of XX/XX/XXXX, I got another email stating that I am eligible for withdrawal. I tried adding a bank account and a debit card to my account but I have been unable to add it, I proceeded to call the agents, and I spoke to the first agent on that same day, and I was told that I should wait for XXXX hours of which I waited, after the XXXX hours I proceeded to add my bank account again but was faced with the same error, so I called again and the agent said my account was still under review and I will get another email from them, after XXXX days and over XXXX calls to PayPal customer care, I still haven't received my {$22000.00}. I need PayPal to release my funds with immediate effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I paid a off my cc which was close to the limit on Monday, XX/XX/XXXX. Sams Club MasterCard took the money from my checking account, applied the funds to my balance, then put a hold on my cc that was not going to be removed until XX/XX/XXXX. There was no notice nor update to me as a customer. 

Their " system '' would not allow the hold to be removed while I was out of town at a sporting event. I could not get a XXXX XXXXXXXX XXXX be made available. I had been a customer since XXXX, but no more

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 2022-09-18 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: TX

Complaint narrative:
In Accordance with the FAIR credit REPORTING act everything has to be XXXX XXXX accurate on my credit report. 

This account " XXXX '' was closed threw mutual consent between the creditor and consumer and is no longer associated with the individual " XXXX XXXX XXXX '' I demand it be removed but my request was ignored. 

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 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 2022-09-18 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:
In Accordance with the FAIR credit REPORTING act everything has to be XXXX XXXX accurate on my credit report. 

This account " XXXX '' was closed threw mutual consent between the creditor and consumer and is no longer associated with the individual " XXXX XXXX XXXX '' I demand it be removed but my request was ignored. 

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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: Self Financial Inc.
State: TX

Complaint narrative:
In Accordance with the FAIR credit REPORTING act everything has to be 100 % accurate on my credit report. 

This account " SELF/XXXX XXXX  XXXX was closed threw consent between the creditor and the consumer. This account is no longer associated with " XXXX XXXX XXXX '' credit profile. This is grounds for removal 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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Bellow companies Marketing details & enquiries not recognize on my file 1. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX 2. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. 
XXXX CO XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, FL XXXX 4. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, CA XXXX 5. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 6. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX 7. 
XXXX via XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 8. 
XXXX XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 9. 
XXXX XX/XX/XXXX Location XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 10. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX 11. 
XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 12. 
XXXX XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 13. 
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Bellow companies Marketing details & enquiries not recognize on my file 1. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. 
XXXX CO XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, FL XXXX 4. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 5. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX 7. 
XXXX via XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 8. 
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 9. 
XXXX XX/XX/XXXX Location XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 10. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX 11. 
XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 12. 
XXXX XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 13. 
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, IN 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 2022-09-18 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Need to file against 2 companies for incorrect information on credit report XXXX XXXX, To date they have not report the account paid in full which was done of XX/XX/2022. 2. I have a letter stating they closed the account and was going to reported it closed and turn over as a collection account. I spoke to them and ask that they change it by disputing it with them and they said it would take 30 days back on XX/XX/2022 still not correct or showing paid in full as of XX/XX/2022 Second company is Synchrony XXXX  XXXX card for XXXX XXXX XXXXXXXX XXXX XXXX  : I have several message back and forth with them wanting to know why they closed by account and reported it to the credit reports. This account was also paid in full on XX/XX/2022. They are telling me that prior to payoff amount that they had a return check from XXXX XXXX XXXX so that's why they closed my account. I have asked for proof and they will not supply it and won't dispute the account and correct it as they were asked.

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 2022-09-18 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:
In Accordance with the FAIR credit REPORTING act everything has to be XXXX XXXX accurate on my credit report. 

This account " XXXX XXXX XXXX was closed threw consent between the creditor and the consumer. This account is no longer associated with " XXXX XXXX XXXX '' credit profile. This is grounds for removal 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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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 everything has to be XXXX XXXX accurate on my credit report. 

This account " XXXX XXXX XXXX was closed threw consent between the creditor and the consumer. This account is no longer associated with " XXXX XXXX XXXX '' credit profile. This is grounds for removal 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 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 explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Bellow companies Marketing details & enquiries not recognize on my file 1. 
XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX 2. 
TRANSUNION CONSUMER INTE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. 
XXXX CO XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, FL XXXX 4. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX 5. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 6. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX 7. 
XXXX via XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 8. 
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 9. 
XXXX XX/XX/XXXX Location XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 10. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX 11. 
XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 12. 
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX FLOOR XXXX XXXX, CA XXXX 13. 
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, IN 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 2022-09-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

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

15 USC 1681 Section 602 States that I have privacy rights.

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

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

The payments were never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: MI

Complaint narrative:
XX/XX/XXXX I pulled my credit report and I noticed a bunch of inquiries that are unauthorized and Im very unaware of Ive had no idea whatsoever Ive also filed a identity theft report. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-09-18 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/XXXX I pulled my credit report and I noticed a bunch of inquiries that are unauthorized and Im very unaware of Ive had no idea whatsoever Ive also filed a identity theft report. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax dropped my credit score by XXXX points with NO EXPLANATION. It clearly stated that there was NO CHANGE in my account statuses. Equifax 's arbitrary and BASELESS negative impacts on my credit score are unjust and unfounded. Consumers should NOT be victimized by a credit reporting agency ability to harm their ability to improve their credit score which my personal report reflects that I have been working very hard at for the past few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Credit Karma, LLC
State: SC

Complaint narrative:
Credit Karma told me that I was approved for a Credit Card and then was Denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I recently started to use a chime account I have had for a while because it allows early access to my XXXX XXXX XXXX I found that some how my account is be accessed fraudulently and using my account as they will on a XXXX XXXXXXXX  thats also fraudulent because the account I had was closed due to misuse by other people. Im also being charge by a XXXX XXXX or site that I have no knowledge of. I reach out to them but I got no answer in phone or reply email. I disputed the charges with chime and was giving a provisional credit but before I knew it was there it was sent to someone on XXXX XXXX  and XXXX XXXX I told them that I dont currently have a XXXX XXXX and I dont know this site. They denied most of the disputed charges and reversed provisions that were give. Even tho i never spent any of the credit. I havent allowed anyone access wnd My card hasnt be stolen so idk how this is my fault. Im only living off that right now and they have allow more than if it to be taken at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute including FTC fraud reports were sent to the Bureaus. Account was removed. Account was reinserted a month later without the required 5 day notification. Also, account not blocked from reporting as required by FCRA. 

Account : 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 2022-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: FL

Complaint narrative:
So through credit karma i would be told i am pretty approved for credit cards yet when i apply be denied. That be very misleading and has tarnished my credit instead of helping it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: NC

Complaint narrative:
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 XXXX XXXX  XXXX {$6800.00}

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 2022-09-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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

15 USC 1681 Section 602 States that I have privacy rights.

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

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

The payments were never late.

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 2022-09-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

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

15 USC 1681 Section 602 States that I have privacy rights.

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

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

The payments were never late.

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