vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the XXXX Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : 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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
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 Lexis Nexis 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 #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1XXXX XXXX XXXX XXXX. { Reason for Dispute } __not mine_______ I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My consumer report was accessed without my permission. I received a letter in the mail where an individual was able to apply for credit using my name and social security number. i contacted the consumer reporting agencies about the issue and i was informed that my report was not accessed. In the mail I received a letter that my name and social was used to apply for credit with XXXX bank. Although the credit was denied, My report with all three bureau 's were obtained. Also on my report there is accounts that are negative that were not negative in the past and they are reporting incorrectly. 
Those accounts are the following : XXXX reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX - reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX reporting late, I was never late, please update to paid on time and corrected immediately. 

XXXX This account must be removed from all three consumer reports ; not my account and reporting without my consent XXXX I do not own a self lender account and must be removed from my consumer report immediately. 

XXXX I do not own a credit acceptance account and must be removed from my consumer report immediately. 

XXXX Reporting on my consumer report ; I do not own this account and it must be removed 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
Consumer complaint received 2023-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I deposited {$800.00} to my Citibank savings XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on the date of XX/XX/XXXXXXXX XXXX  XXXX. The ATM ID is XXXX. Due to technical problems, the ATM took the cash, however, did not deposit the amount to my account. I immediately informed Citibank receptionist of my problem and they Called customer service. After an investigation, they provided me with a letter and investigation number : XXXX. They issued me provisional credit for the amount listed above. However, they responded saying they found no ATM discrepancy through a letter received on XX/XX/XXXX. They removed the provisional amount initially funded.

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 monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
Car was totalled in an accident on XX/XX/2023, Company is charging an exoberant amount of interest and the car is a total loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PAYPAL HAS A PROBLEM ISSUING PROVISIONAL CREDIT IN ACCORDANCE WITH UCC ( Uniform Commercial Code ) : XXXX XXXX XXXX disputed two ATM TRANSACTIONS for the same bank ATM one I was given the provisional credit ( XXXX XXXX and the other NOT. When I tried to dispute it as you will see it was marked CASE CLOSED ( XXXX XXXX new card is ON THE WAY. I am attaching a video link so this way you can see exactly what happened with disallowed transaction ( XXXX XXXX XXXX Inaddition I tried as I have been able to upload videos to your system in the past but today I was unsuccessful for some strange reason? 

Here is a link from our private server of exactly what happened so you can see from the customers perspective how this looks : - ) https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques
State: CA

Complaint narrative:
Stop harassing me. This is emotional abuse. You have been harassing me for close to 10 years, this is sad and pathetic. You think that because you think your a lawyer that it is okay. Please this is sad that you feel you can push people around especially single mother attempting to provide for her family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX. I did not authorize these accounts. these accounts are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal Emailed me that my account was permanently limited this is the reference ID ( Ref ID - XXXX ) the email says that After a review, PayPal decided to permanently limit my account as PayPal found potential risk associated with it. 

for me its not fair that they banned my account due to potential risk because my account is fully verified and I don't have any disputes in the account and about funds I'm not receiving yet big funds and if ever I receive big funds in the future for me its okay because my business account is fully verified and i have a website which payments came from, and I also complete all the documents needed in my website like proof of business registration and address, that's all legit even you search it to the website in the business registration input the business name and number so you can see that the documents that i send was legit and true.I think PayPal did wrong to this decision, I thinks its their auto system that decides the decision not the support or the executive person., the email was auto generated., I want to become an established seller in the platform that's why I'm very careful in my account like I only log in in one Pc and one browser from the first time I use it, PayPal know that., I think PayPal did wrong their decision., I want to make this things clearly and restored my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the " Fair Credit Reporting Act '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; has violated my rights and is reporting information solely as to transactions or experiences between the consumer and the person making the report. ( ie., utilization, payment history, late payments. ) 15 U.S. CODE 1681 section 602 A, states : I have the right to privacy.

15 U.S. CODE 1681 section 604 A section 2 also states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S. CODE 1681a ( d ) ( 2 ) states : Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S. CODE 1666b states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. CODE 6802-Obligations with respect to disclosures of personal information states : 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.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the " Fair Credit Reporting Act '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; has violated my rights and is reporting information solely as to transactions or experiences between the consumer and the person making the report. ( ie., utilization, payment history, late payments. ) 15 U.S. CODE 1681 section 602 A, states : I have the right to privacy.

15 U.S. CODE 1681 section 604 A section 2 also states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S. CODE 1681a ( d ) ( 2 ) states : Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S. CODE 1666b states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. CODE 6802-Obligations with respect to disclosures of personal information states : 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.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Unauthorized hard inquiries still being reported after I confirmed that they were not authorized. 

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 XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Indenity theft and my social were used I feel threatened by who has my credentials

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My consumer report was accessed without my permission. I received a letter in the mail where an individual was able to apply for credit using my name and social security number. i contacted the consumer reporting agencies about the issue and i was informed that my report was not accessed. In the mail I received a letter that my name and social was used to apply for credit with XXXX XXXX  Although the credit was denied, My report with all three bureau 's were obtained. Also on my report there is accounts that are negative that were not negative in the past and they are reporting incorrectly. 
Those accounts are the following : XXXX reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX - reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX reporting late, I was never late, please update to paid on time and corrected immediately. 

XXXX This account must be removed from all three consumer reports ; not my account and reporting without my consent XXXX I do not own a self lender account and must be removed from my consumer report immediately. 

XXXX I do not own a credit acceptance account and must be removed from my consumer report immediately. 

XXXX Reporting on my consumer report ; I do not own this account and it must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My consumer report was accessed without my permission. I received a letter in the mail where an individual was able to apply for credit using my name and social security number. i contacted the consumer reporting agencies about the issue and i was informed that my report was not accessed. In the mail I received a letter that my name and social was used to apply for credit with XXXX XXXX. Although the credit was denied, My report with all three bureau 's were obtained. Also on my report there is accounts that are negative that were not negative in the past and they are reporting incorrectly. 
Those accounts are the following : XXXX reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX - reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX reporting late, I was never late, please update to paid on time and corrected immediately. 

XXXX This account must be removed from all three consumer reports ; not my account and reporting without my consent XXXX I do not own a self lender account and must be removed from my consumer report immediately. 

XXXX I do not own a credit acceptance account and must be removed from my consumer report immediately. 

XXXX XXXX on my consumer report ; I do not own this account and it must be removed 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 explanation