vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-27 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX, Account number : # XXXX, Account name # XXXX  XXXX, Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name XXXX XXXX XXXX Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXXXXXX, Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX XXXX XXXX, Account number : # N/A, Account name : # XXXX  Account number : # XXXX, Account name : # XXXX, Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX Account number : # XXXX, Account name : # XXXX XXXX XXXX Account number : # XXXX, Account name : # XXXX, Account number : # N/A, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-27 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: IL

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. 

Account name : # XXXX XXXX Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX  XXXX, Account number : # XXXX, Account name : # XXXX  XXXX, Account number : # XXXX, Account name : # XXXX XXXX XXXX Account number : # XXXX, Account name : # XXXX XXXX XXXX XXXX, Account number : # N/A, Account name : # XXXX, Account number : # XXXX, Account name : # XXXX, Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX Account number : # XXXX, Account name : # XXXX XXXX XXXX, Account number : # XXXX, Account name : # XXXX, Account number : # N/A, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-27 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

These below accounts have violated mt rights : XXXX XXXX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-27 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: IL

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. 

These below accounts have violated mt rights : 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 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 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-27 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: TN

Complaint narrative:
On XX/XX/22, I alerted the consumer reporting agencies that I am a victim of identity theft. XXXX XXXX says that you must remove and block any information from the file of a consumer that the consumer says is a result of alleged identity theft within XXXX XXXX XXXX. It has been well beyond XXXX XXXX and the accounts remain. Also XXXX XXXX and XXXX have charged the fraud accounts off and sold them to collection companies. It is illegal for a company to report a charge off. The XXXX considers this income. This is tax fraud. This is also a violation of XXXX XXXX XXXX XXXX b by not reporting accurate information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX says that you can not furnish an account without my written consent. I have not given anyone 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 2022-11-27 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: LEXISNEXIS
State: TN

Complaint narrative:
On XX/XX/22, I alerted the consumer reporting agencies that I am a victim of identity theft. XXXX XXXX says that you must remove and block any information from the file of a consumer that the consumer says is a result of alleged identity theft within XXXX XXXX XXXX It has been well beyond XXXX XXXX and the accounts remain. Also XXXX XXXX and XXXX have charged the fraud accounts off and sold them to collection companies. It is illegal for a company to report a charge off. The XXXX considers this income. This is tax fraud. This is also a violation of XXXX XXXX XXXX XXXX b by not reporting accurate information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX says that you can not furnish an account without my written consent. I have not given anyone written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX account opened Received letter saying a lien was placed on my house and credit was reported on XXXX 15 day past due bill which I called and spoke to multiple people to let them know I was in the XXXX  I have medical records that can prove all of that. They continue to call and threaten my credit and home. I have paid the account up to date plus an extra payment. I called to ask how to resolve this lien issue the company informed me that they only have one call center and that they could not provide me with any information or phone numbers to contact anyone above the person I was speaking to and I could call and call but would not get any further information or contact from anyone other than him and the agents at this call center. The loan was a home improvement for XXXX. Again Ive paid in full but I XXXX XXXX XXXX XXXX XXXX XXXX  which I tried explaining to them and they basically disregarded all my concerns and issues. And wont help me in speaking to anyone that possibly could and I was XXXX  from XXXX until XXXX in the XXXX  so it wasnt that I left with no contact but there was little I could do. Also if medical numbers or my medical team or XXXX  need to confirm my dates I can release certain information to you. I find it disturbing that a company would treat me this way. Thank you for your 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 2022-11-27 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:
There are some inconsistencies with inquiries being reported on my credit bureau without proper consent or acknowledgement. Please remove these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: NY

Complaint narrative:
FCI is a company that services mortgages and payments on real estate loans. We received an unjustified late fee in XX/XX/2022 because the automatic payment we set up from our bank account was set to an initial monthly payment amount, that based on the nature of the loan, was going to quickly increase to a new amount. This is because the loan package to purchase a house also included a renovation loan to repair the house. The terms of the loan included an increase in the monthly payment when we applied for partial payments, or draws, on the renovation loan. This increase in the monthly payment was entirely forseeable due to the terms of the loan. We set up an autopayment on the original monthly payment amount, which worked for the XX/XX/2022 payment. As soon as we applied for the first draw in XXXX, the monthly payment increased. However, the setting of FCI 's autopayment from our bank was set on the fixed initial amount, not an automatic floating amount to cover changed monthly payments. The autopayment would not take the new amount from our bank, which FCI blamed on us, making a hostile phone call and sending late payment letters. We had to call an FCI representative and pay the missed payment and a {$74.00} late charge individually, and were told we had to wait until that payment cleared before we could toggle the settings in our online account to make the monthly autopayment automatic to cover a flexible amount, rather than a fixed single account. Our belief is that FCI clearly sets loan payments this way to ensure that everyone runs into this problem, and misses a payment when their monthly loan payment increases due to the activation of draws on their renovation loan, to enable FCI to levy a late fee that is entirely their fault. The solution - FCI changing the default setting on their loan payments from fixed to automatic - is so simple and easy that it is clear that having the default payment setting on fixed is company policy to cause loan customer autopayments to fail, allowing FCI to extract a late charge- on every loan with a renovation package. We have already requested and received a refund, but we assume many other loan customers are being mistreated. Please compel the company to change their policy and enforce whatever laws they have violated.

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 2022-11-27 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: FL

Complaint narrative:
I have been trying to dispute inquiries that have been on my report that I didn't authorize or don't recall. I have been asking for proof and I haven't received a response. 

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 Equifax 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently went over my credit report to check for any discrepancies and Ive noticed a few inquiries on my Experian credit report that I dont have an account with. The account looks like its with 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 2022-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This complaint is regarding alleged reference number XXXX. Since XXXX of this year I have been disputing and requesting validation based upon appropriate laws including but not limited to FDCPA, FCRA and Californias Fair Debt Buying Practices Act and Portfolio Recovery Associates , LLC grudgingly, notoriously, illegally and unethically violate the law and just kept sending the none sense letter of original creditor that is proof of nothing. PRA must understand that the law is very clear and they are acting like a collection agency that is collecting for the original alleged creditor and keep sending ONE statement without bill of particulars whereas the law and definition of debt buyer and collection agency is very clear. PRA clearly claimed that they are a XXXX  debt buyer and since PRA confirmed its position they are bound to comply with pertaining laws. 
They have violated FDCPA, Californias FDBPA and FCRA. 
PRA have reported a negative trade line to my credit files without sending a notice to me that I could exercise my legal rights as a consumer.

PRA have failed to provide documents based upon FDBPA of California. 
PRA have reported that this account was opened on XX/XX/XXXX, this is fraudulent claim. PRA is Reaging this alleged claim in clear violation of the law.

PRA have received my demands via USPS ( Address Service Requested ) and fax numerous times. 
PRA is in clear violation of their settlement with CFPB dated XX/XX/XXXX signed by Sole Member XXXX XXXX XXXX. 
PRA claims that they are my creditor whereas the LEGAL definition of creditor is very clear and PRA is not a creditor in this case. I have never made any payments to PRA as it indicated in the definition of Creditor. I do not have contractual obligation to PRA and therefore PRA has failed to overcome the requirements of the laws. Your assistance in this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX Barclays Essential Reward Mastercard from Barclay Statement period from XXXX card ending XXXX. As soon as I noticed the card missing I reported it missing and also found out a fraud had been committed on XXXX XXXX  as I reported that as well in the XXXX. of XXXX. I spoke to XXXX in the fraud dept. I spoke several times about this to no avail. The credit showed up on my next statement on card ending in XXXX however was not deducted from the bill. It was deducted from the next bill which I never received in the mail nor was it deducted. I asked many times about this error on their part. No one could gin=ve me an answer as I went on line and not only did they never credit the amount but also chaged me a late fee on disputed amount.

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 2022-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I REVIEWED MY CREDIT REPORTS WITH EXPERIAN, XXXX AND XXXX AND I NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY REPORTS. XXXX XXXX IS REPORTING A REPOSESSION BALANCE ON MY CREDIT REPORTS AND I HAVE UNAUTHORIZED CREDIT INQUIRIES FROM XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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:
i am natural person, i am a living human being, i have the rights under 15 usc 1681.

equifax is govem by 15 usc 1681. and they violated my rights numerous of times, i demand the accounts listed below be remove because.

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 # 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 XXXXXXXX, FTC # NUMBER IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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 Account 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 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 non-monetary relief