vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-25 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN : 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 2022-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Financial  Corporation
State: AL

Complaint narrative:
Kept getting a chatbot and no live person to dispute debt. Debt belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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 XXXX Account # s - XXXX, XXXX. 
- XXXX. XXXX XXXX. 
- XXXX XXXX XXXX 
- XXXX XXXX. has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX BANK 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN : 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 2022-09-25 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX BANK 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
XXXX XXXX deposit made on timeshare {$12000.00} XXXX XXXX canceled the purchase by registered letter / and email within the applicable time. 
XXXX XXXX acknowledges email XXXX XXXX they want me to agree to fees that are not part of the timeshare purchase, I never agreed because it was not part of the purchase. 
No Credit was given XX/XX/2021 Requested Barclays Bank Delaware dispute the charge asked for credit for a full refund. 
Barclays Bank Delaware never responds to my dispute claim I called several times and they gave me a case number Barclays Bank Delaware never gives any written explanation of the creditors determination Barclays Bank Delaware puts the credit card account in collections XXXX XXXX requested relevant documents in the determination of the dispute. 

There was a second credit card used for the same transaction we also put that in dispute which was resolved by the credit issuer in our favor for the full amount charged. A credit was issued. 
It was the same purchase identical letters were sent and only one card was resolved. An application for credit was given to me at the resort and Barclays Bank Delaware ( RCI card ) favored the resort. Never responded to my request for a refund. Did not respond within 30 days. They never sent a determination. Nor did they resolve it within 90 days.

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 2022-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received two emails from bank of america, one stating that I applied for a checking account and another stating that my application was approved. I did not apply for an account. I called bank of america and could not get anyone on the phone but did confirm that there is an open account in my name. I will try and call bank of america again during business hours but wanted to file a complaint as soon as possible.

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 2022-09-25 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: NC

Complaint narrative:
Need More Time I have given the following customer more than enough time, While investigating please remove these illegal transactions off my report. According to Equafax and XXXX have responded through the CFPB that they are investigating, while they are investigating the following account, those accounts need to come off until a proper investigation has happen, There has not been any proven evidence that these accounts provided clear and conspicuous contracts. I choose to opt out, I choose that you block this information from my report. I am requesting that the reporting of this information be blocked and deleted my request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transaction You are required to do what I'm asking and block these transactions from being report to my consumer report with 4 days from the date of the recepit of this notice. 


the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; NOW THE TERM PERSON defined by Congress means person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

Open XXXX XXXX XXXX XXXX XXXX Opt Out Permissable purpose Remove from credit report So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual. 
Which is an INDIVIDUAL ( me ), and the person making the REPORT which is ( the company name ) So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I contacted Goldman Sachs regarding a CLI on a existing Apple Branded XXXX ; they denied the credit limit increase because Your recent payments on Apple Card did not cover a significant portion of your monthly balance. Yet, I made a $ XXXX payment days before the request which brought the card balance to {$0.00}. When I contacted their customer service representative they were uninformed and unhelpful. They said that XXXX doesnt look at internal payment history and only rely upon what is reported to the Credit Bureau XXXX yet historically on this account XXXX has failed to report updated information to the credit bureau in a timely manner. 

It should also be noted that the credit limit issued by XXXX XXXX sufficient to purchase most products at the branded store ( Apple ) associated with the card ; when I pointed this out to the representative, the were like so, use another card the Apple Card by XXXX is heavily advertising that you can get 3 % cash back on Apple purchases with the Apple Card. 

It should also be noted that I have a XXXX score in the low XXXX range and is much higher than it was when the card was first opened. I also have multiple cards with other lenders with credit limits 50 % and 150 % higher than that on the Apple Card by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
I lost my credit card and requested a new one and wasnt aware my gym XXXX wasnt receiving any monthly payments. Im currently 5 months XXXX  therefore I havent been going to gym, and it wasnt until a couple days ago when I went to cancel my membership that i found out i was past due on payments. I never received any phone call from the gym notifying me about this. I decided to go to my old address to check if I had received anything I came across a letter saying this bill was going into collection. Ive never missed any payment, I always have my payments on autopay and if I would of been notified about this I would of made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lustig, Glaser & Wilson, P.C.
State: RI

Complaint narrative:
cosign for daughters car, she didn't pay car was totaled she kept funds, Lustig Glaser & wilson of XXXX was was receiving payment XXXX a week from my bank acct no switch it over to XXXX XXXX XXXX att for plaintiff XXXX XXXX XXXX XXXX XXXX never received any notice to go to court and its for amount of XXXX which half was already pain to other dept collector and now its in XXXX court any never heard of court date just sent constable to my home with papers for judgement and levy on my home. civil action file number XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-09-25 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:
They have the incorrect employer information I have called all XXXX several times to change it and its still on my report XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX is my employer I want one name on my credit report Ive also called them multiple times to change it and they refused to do it and have ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also have my name as XXXX XXXX and dont have my second last name Legal name is XXXX XXXX XXXX XXXX are also in violation of my HIPPA rights by reporting Medical bills on my report and have spoken to them about it several times XXXX XXXX XXXXXXXX IN Original creditor : XXXX XXXX XXXX XXXX {$200.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX {$1300.00} Date XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$2300.00} Date XX/XX/XXXX When I called Experian they advised me that it wasnt a violation of my HIPPA rights since the hospital doesnt show them the break down of the bill so I ask them how would they know that the amount theyre reporting is correct and she said she was going to transferred me to her supervisor and hang up. Therefore if the account cant be verify than accounts must be removed

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 2022-09-25 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:
Iam a Natural person, I am living human being, i have the rights under 15 U.S.C. 1681. 

Equifax i govern by the 15 U.S.C. 1681. And they violated my rights numerous of times. I demand the Accounts listed below be REMOVED because : According to 15 U.S.C. 1681 : I have the right to PRIVACY and I did not give Equifax written Permission to Furnish these Accounts : Inquiries : 1. XXXX XXXX Date : XX/XX/2022 2. XXXX XXXX Date : XX/XX/2022 Accounts : Account Numbers : 1. XXXX XXXX 2. XXXX XXXX ( Original Creditor : XXXX ) XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXXXXXX 6. XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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:
My Personal Information was stolen in XXXX, since then I've been seeing a lot of unauthorized inquiries and accounts. I've attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed below. 

XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( BANK ) 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 2022-09-25 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 XXXX  Account # XXXX - XXXX, XXXX. 
- XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX 
- XXXX XXXX. has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25 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 XXXX Account # XXXX - XXXX, XXXX. 
- XXXXXXXX XXXX XXXX 
- XXXXXXXX XXXX XXXX 
- XXXX XXXX. has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX has sent 4 deletion requests to Equifax regarding deleting the collection account on my credit report, this has been going on for over 1 year & I have been fighting a losing battle with Equifax. Equifax continues to state that the debt is being validated by the collection agency & refuses to delete it, yet XXXX XXXX doesnt even have this account & they havent in over a year. XXXX XXXX  said this is an issue with the credit bureau not following the law regarding deleting this timely! Equifax is illegally reporting on this debt & stating the debt has been validated when it has not been. I have spoken with numerous supervisors & they all have told me that they have not verified this debt. I am going to sue equifax, file complaints with the FCC, FTC, XXXX & The Attorney General if they do not stop illegally reporting this to my credit report! Please help me with this. I am attaching the collection agencys response on 3 different occasions over the last 1+ year! Please note : Equifax is the only bureau reporting this debt because XXXX XXXX XXXX removed it in XX/XX/2021 when they sent the deletion request!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: FL

Complaint narrative:
On XX/XX/XXXX XXXXXXXX XXXX, I sent several EXPERIAN executives a registered email with a signed and sworn Notice of Demand by Affidavit demanding that EXPERIAN removes all negative items from my credit report, including all hard inquiries and late payments within 24 hrs of notice. I never gave EXPERIAN permission to furnish my private transaction information, let alone create a credit report using my social security information. 

I have let them know they are violating several federal laws. They have yet to comply with my demands. 


" I, XXXX XXXX XXXX, a natural person, federally protected consumer and beneficiary of the Social Security Account XXXX XXXX, am writing in regards to the XXXX Credit Report bearing my corporate name, XXXX XXXX, and Social Security account information. 

I hereby state under oath and under penalty of perjury, that the following facts are true, correct and not misleading : 1. I have never given my written consent for XXXX to furnish my private transaction history. ( 15 USC 1681b ( 2 ) ) ( 18 USC 1028A ) 2. I never gave XXXX the authority to create a credit report in my name. ( 18 USC 1028 ) ( 18 USC 1028A ) 3. XXXX has been profiting off of my name and private transaction history without my authority. ( 18 USC 1028 ) ( 18 USC 1028A ) ( 18 USC 215 ) ( 18 USC 1963 ) 4. XXXX is engaged in a conspiracy to restrain my commercial activity by limiting access to my own credit. ( 15 USC 1 ) 5. XXXX has caused considerable injury, damage and harm towards me. 

It is hereby declared that XXXX is committing several federal crimes against me. 

Wherefore, I demand that every single negative item, including late payments and hard inquiries, be removed from my report within 24 hours of this notice. "

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 2022-09-25 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:
According to the fair credit reporting act consumer reporting agencies are by law required to furnish accurate information with written consent of the consumer, Equifax has failed to do so by reporting Collection Accounts On my consumer report with no company name it is not my job to find out what company is reporting the information, Equifax has violated the FCRA laws by not supplying up to date and accurate information, Equifax has been under fire with lawsuits for the very same reason I am submitting this complaint I have supplied proof of such with an attached copy of my Equifax Credit Report I want the following collection accounts deleted as I never gave Equifax written permission to report any information about me in the first place, I will put the account numbers listed on these " NO NAME '' accounts for reference XXXX XXXX

Company response to consumer: Closed with explanation