vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 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: TX

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 602 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 2022-04-29 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Acct XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX has violated my rights. 

XXXX XXXX ( Original Creditor : MEDICAL ) Account Number XXXX has violated my rights. 


XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Number XXXX has violated my rights. 


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

15USC Section 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without 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 2022-04-29 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: IL

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 SECTION 602 A.STATES I HAVE A RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 ; .IT ALSO STATES A COSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOOUNT 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 2022-04-29 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX  ( Original Creditor : 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 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted all of my " Credit Limits '' - of all my credit cards to the bureaus ' and my credit totals collectively add up to a total credit line of : {$110000.00} and the Bureau 's are only showing a top credit line of only : {$76000.00} which is a whopping " {$37000.00} '' missing limit which would greatly decrease my credit balances, and decrease my credit ratios. Experian for the most part tend to be the most stubborn aggressor in changing my information to a correct status. This change will increase my credit ratios and scores. After all, these Bureau 's are in the business of reporting " Bad Credit '' - The worse the credit, the more credit reports and fees are collected because all consumers at some point must use their scores, for credit approvals, home purchases and car purchases..Just to name a few. But the Credit Bureau 's are making a killing in fees. I need for your organization to help me in keeping these Bureau 's transparent, yet liable for their fraudulent actions. I have suffered enough by their inaccurate scoring models. Please help me to restore my Credit Standing, Scores, and proper reporting status

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 2022-04-29 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:
In accordance to Fair Credit Reporting act. These accounts listed below has violated 15 USC 1666B. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1666B states a credit reporting agency may not report any open end consumer plan late for any purpose.

15 USC 1605A states the finance charge is the sum of all charges.

15 USC 1681A ( 2 ) ( A ) ( I ) states a consumer report does not include transactions or experiences between a consumer and a person making the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 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: IN

Complaint narrative:
In accordance to Fair Credit Reporting act. These accounts listed below has violated 15 USC 1666B. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1666B states a credit reporting agency may not report any open end consumer plan late for any purpose.

15 USC 1605A states the finance charge is the sum of all charges.

15 USC 1681A ( 2 ) ( A ) ( I ) states a consumer report does not include transactions or experiences between a consumer and a person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance to Fair Credit Reporting act. These accounts listed below has violated 15 USC 1666B. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1666B states a credit reporting agency may not report any open end consumer plan late for any purpose.

15 USC 1605A states the finance charge is the sum of all charges.

15 USC 1681A ( 2 ) ( A ) ( I ) states a consumer report does not include transactions or experiences between a consumer and a person making the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, my underage XXXX son attempted to purchase concert tickets and ended up purchasing from a 3rd party website that was NOT the primary point of sale site for this event. He purchased two tickets using my " affirm '' buy now pay later account. I was notified of the purchase via email as soon as it went through and instantly contacted the company, XXXX XXXX, to request a cancellation. I explained the situation and that the purchase was made by a minor and was unauthorized. XXXX XXXX  stated they would not cancel and refund the purchase, but suggested we list them for resale on their site- which would net them additional money as they take a portion of the sale proceeds as commission on the sale. I mentioned that I did not feel comfortable listing tickets for sale when we do not have possession of them- and especially when it will put additional money into their pocket, which seems unreasonable ( we still do not have the physical tickets and i believe my son may have been scammed which is why i immediately attempted to cancel the purchase and dispute the charge ). I reached out to affirm and gave them all of the information and documentation and filed a dispute for the purchase. I have repeatedly reached out to them for resolution, to no avail. I was told that by filing a formal dispute, we would not be responsible for the monthly payments until the dispute had reached a resolution. Due this information, I did not make the first monthly payment. Upon missing the payment, i began to receive daily calls and emails from affirm, attempting to collect the debt, and threatening my credit. I spoke with multiple representatives who called in an attempt to " collect the debt '' was each time I told them about the dispute, they confirmed my credit would not be impacted. Finally, on XX/XX/XXXX, after yet another call from a representative attempting to get me to make a payment over the phone, I had told them it had been well over 90 days since i filed the dispute and I am now feeling harassed and that there MUST be resolution for this unauthorized charged, since the XXXX refuses to cancel the transaction. I received an email on XX/XX/XXXX from affirm, stating they are not ruling to cancel the transaction and that I am responsible for this debt and will need to pay or my credit will be affected and reported. So I am now filing this report in hopes that my credit will not be impacted moving forward, and to dispute any negative remarks from affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: CO

Complaint narrative:
My mother filed bankruptcy in XX/XX/2016 and she included a bank account from XXXX XXXX XXXX XXXX that was a joint account with her and I both on it in the above stated bankruptcy. The debt was taken care of and paid off but somehow ended up on my credit report saying it was a " charge off '' account with {$430.00} still owed, even though it was taken care of back in XX/XX/2016 when she filed the bankruptcy. This only appears on my credit report, it does not reflect on my mom 's. I have disputed this multiple times with the credit bureaus with supporting documentation that it has been paid off since 2016 and even had the bank manger themselves write me a letter to send in saying there is nothing owed. The " people '' who keep reporting back to the Credit Bureau refuses to give the credit bureau contact information for me to talk to them and for this to be cleared up. I have spoken to XXXX XXXX XXXX XXXX XXXX offices, all the XXXX XXXX XXXX XXXX third party associates and no one can find this so called " debt '' that is owed. I need this off my credit report 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
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I lost my credit card, someone stolen and charged a small amount that is much less than {$75.00}, I reported to HSBC, HSBC replace my card and credit me back the false charge. 
However HSBC kept asking me for late fee, etc that is {$75.00} for 2 years. 
I talked to HSBC 5 times, agents all agreed that is a wrong late fee etc, so they will cancel. 
I also wrote to them, no reply. 

On XX/XX/2022 I received another notice from HSBC and asked for {$75.00} that they have agreed 5 times to cancel the fee that I did not make it. 

Thanks. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I want to report Southwest Credit Systems for not validating in writing to me before placing a negative collection notice on my credit report without prior authentication of the claim. I have made a written complaint to XXXX and XXXX and XXXX along with all the required document 's of this matter and yet they still illegally reported to my credit report. According to your practices they are in non compliance to the rule. I would like your help to resolve this matter as soon as possible and have them to be taken off my credit report since it has caused me a great negative impact on my report due to their negligence. 
We also have sent Southwest Credit Systems a dispute letter but XXXX responded to our dispute letter to them saying Southwest Credit Systems report is correct. That means Southwest had an initial contact with XXXX and did not initiate a communication with me to let me know that a collection would be reported to the XXXX credit bureaus. 
I am aware that this is in noncompliance with CFPB and the Fair Credit Reporting Act. 
If you have further questions, please do not hesitate in contacting me. I look forward to a prompt resolution to this delicate matter. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
n 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 There is incomplete and inaccurate information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, Department of Education Account # 's XXXX, XXXX have violated my Consumer 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 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, Department of Education Account # 's XXXX, XXXX have violated my Consumer 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 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: UT

Complaint narrative:
I sent a total of six validation requests but I never received a response from this company. My initial request was on XX/XX/2021 but nothing has been done. 

They are reporting an inaccurate account with both an " Open '' and " Closed ' status. This doesn't make any sense and it's been months like this.

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 2022-04-29 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, 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 instruction
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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 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im challenging the incorrect with XXXX XXXX XXXX from my credit report Where you have clearly violated the law and have put on my credit report erroneous, obsolete and inaccurate information that is affecting my from getting a loan for my health condition XXXX XXXX XXXXXXXX I wanted to be removed it from my credit report immediately I report case to the general attorney of New York for help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
MCM ( Midland Credit Management ) gave my personal information to someone else without using any type of verification rules and regulations of the CFPB or the FDCA. This information was leaked on XX/XX/2022. Given total amount of unsecured credit card debt of {$1700.00} to be collected as well as the last payment of XXXX dollars including the balance at that time of {$1600.00}. This information was given without my consent. The company also informed this person that if the Credit Card Debt was not paid in full or arrangements made they would move forward taking legal actions against me for the full amount owed. My family is now getting harassing phone calls from this company. My grandmother was called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2022 I attempted to apply for XXXX credit card. I was notified that XXXX and Transunion are reporting that my mortgage XXXX  XXXX XXXX  XXXX is late and Im in a repayment plan. Im contacted all bureaus and mortgage company and all of them are saying it false. I contacted XXXX and they ran it again and stated that XXXX is reporting that negative information. I am not and have not been late on my mortgage and no one from XXXX or Transunion is trying to assist me.

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 2022-04-29 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
On XX/XX/2022 I attempted to apply for AMEX credit card. I was notified that XXXX and XXXX are reporting that my mortgage XXXX  XXXX XXXX  XXXX is late and Im in a repayment plan. Im contacted all bureaus and mortgage company and all of them are saying it false. I contacted AMEX and they ran it again and stated that XXXX is reporting that negative information. I am not and have not been late on my mortgage and no one from XXXX or XXXX is trying to assist me.

Company response to consumer: Closed with explanation