vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-16 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: TN

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: OK

Complaint narrative:
XXXX In accordance with the Fair Credit Reporting act ( XXXX XXXX  account XXXX, XXXX XXXX account 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. 

Equifax In accordance with the Fair Credit Reporting act ( XXXX XXXXXXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account xxxxxx XXXX, XXXX XXXX XXXX XXXX account xxxxxx 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 In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX ), has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: OK

Complaint narrative:
XXXX In accordance with the Fair Credit Reporting act ( XXXX XXXX  account XXXX, XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), 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 In accordance with the Fair Credit Reporting act ( XXXX XXXXXXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account xxxxxx XXXX, XXXX XXXX XXXX XXXX account xxxxxx 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. 

Experian In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX ), has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: NJ

Complaint narrative:
In accordance with the Fair Credit Report act US DEPT of EDU account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a 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 2022-06-16 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: NJ

Complaint narrative:
In accordance with the Fair Credit Report act US DEPT of EDU account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a 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 2022-06-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
And also the following accounts too XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX  account # XXXX Chapter XXXX Bankruptcy Ref # XXXX XXXX XXXX  account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 1604 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 explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: InDebted Corporation
State: CA

Complaint narrative:
Attempted to contact Indebted Debt Collection multiple times to discuss repayment or settlement of debt. Called XX/XX/XXXX and left voicemail requesting a callback. Called XX/XX/XXXX and spoke with a representative from the complaint department. They advised there was someone in the office who could contact me about the account and that they would reach out. Called XX/XX/XXXX and left an additional voicemail requesting contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: NJ

Complaint narrative:
In accordance with the Fair Credit Report act XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This debt is actually a apartment rental debt. This debt was to be paid by XXXX XXXX. I applied to XXXX XXXX and they were to pay this debt due to the Pandemic-Covid 19. the amounts are incorrect as well. I submitted all documentation to XXXX XXXX for amount to be covered

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: NY

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove the unverifiable items that is UNKNOWN to me. I called TransUnion and XXXX after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Name : XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX and Accounts : XXXX XXXX, XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. XXXX of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by TransUnion and XXXX not blocking these accounts is inadvertently resulting in me being extorted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove the unverifiable items that is UNKNOWN to me. I called XXXX and Experian after I purchased a credit report from Experian on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Name : XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX and Accounts : XXXX XXXX, XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian to get a report every month and I have been disputing fraud accounts on my credit report all this time. XXXX of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by XXXX and Experian not blocking these accounts is inadvertently resulting in me being extorted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16 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: NJ

Complaint narrative:
XXXX 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, account name, XXXX XXXX, account, number, XXXX XXXX, XXXX XXXX XXXX, account XXXX accountname, XXXX XXXX XXXX account XXXX accountname,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am XXXX XXXX I am submitting a SECOND complaint against EXPERIAN and there is no third party involved. EXPERIAN STILL has my personal information inaccurate on my consumer report. My name is spelled incorrectly. My addresses are inaccurate, they don't belong to me. The name on my ID and social security card is how my name should be spelled. The address on my ID is the only address that should be shown on my credit report. I DEMAND EXPERIAN TO CORRECT THIS INACCURATE INFORMATION WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, SERVICES, A PLACE TO LIVE FOR MY FAMILY AND, TRANSPORTATION AND MORE. EXPERIAN is now liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance with all three credit bureaus failed to comply. Pursuant 15 USC 168 1 and any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I demand Experian to provide me with a copy of my written instructions and consent to furnish these fraudulent and inaccurate said account ( Exhibits provided ). Also please provide me with their Verification method to verify said account. In accordance with the FAIR CREDIT REPORTING ACT ( FRCA ) These three credit bureaus HAVE VIOLATED MY RIGHTS 16 USC 1681 SECTION 602 states I have right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written permission or instructions. I only want positive reporting on my report, from this day forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The CRA 's arent allowing me to freeze, lock, or View my credit. XXXX is not updating any information to view. Status is internal lock. Transunion will not allow me to enter my account without forcing a membership. Please help Fix the issue please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
XXXX Notice for validation. This debt was put on my credit report without notice and i would like them to validate that the debt with a itemized bill to confirm amouts owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: NJ

Complaint narrative:
In accordance with the Fair Credit Report act XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a 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 2022-06-16 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: NJ

Complaint narrative:
In accordance with the Fair Credit Report act XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a 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 2022-06-16 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, XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, And XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16 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 Convergent Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, And XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, And XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USCs1681B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16 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: PA

Complaint narrative:
I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USCs1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After receiving my credit report, I am deeply upset about the erroneous items found on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. If everything is not reporting 100 % accurately it must be removed.

Company response to consumer: Closed with explanation