vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I XXXX XXXX, consumer and natural person who is a victim of identity theft. XXXX, Experian, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX, Experian, and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID, and statement.

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 2023-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
My husband, XXXX XXXX, and I were in XXXX XX/XX/XXXX and the condition for staying at a discounted fee at XXXX XXXX was attending a timeshare presentation. It was high pressure and it turns out we were given fraudulent information. We signed for a time share with 3 credit cards opened for the down payment using my name, XXXX XXXX, and credit information. By the time we got back home I realized there was likely fraud and with XXXX and I tried to cancel the XXXX contract, which they refused, and I contacted all the credit cards ; XXXX, XXXX and XXXX XXXX XXXX to not follow through with the line of credit. XXXX and XXXX complied and XXXX XXXX XXXX  sent me a letter saying that they hoped to do business in the future if I changed my mind but went ahead and opened the credit for {$16000.00} anyway. With fees at the time of charge off : {$17000.00} I contacted them many times by phone and mail with a copy of the letter, attached, that states that they regret not doing business with me but look forward to doing business with me in the future if I change my mind. 
They continued to call and send mail trying to collect the debt from me. Eventually they sold the " debt '' to Midland Credit Management Inc who has been trying to collect since XXXX. Today I was served by the Sheriff with court papers here in XXXX XXXX XXXX. 
I live full time in XXXX XXXX  and pay taxes in XXXX XXXX. and XXXX  State. I stay part time with no current lease in XXXX XXXX XXXX  were I have a small non profit and am here sporadically and do have a XXXX  drivers license because I get discounted rates for my non profit but my main residence is in XXXX XXXX. 
In addition my husband has been notified that the XXXX timeshare is now under international investigation for fraud and we are party to it as victims of fraud. 
XXXX and Midland put this on my credit report but when I reported this along with the letter I have attached here to the credit bureaus the negative report was rescinded and my credit score today is XXXX  by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting 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:
I XXXX XXXX XXXX XXXX is a victim of Identity theft. These companies ( Transunion, XXXX, and XXXX ) utilized /furnished my consumer report without my authorized consent, or written instruction. My personal information was shared, presented and furnihed without my consent. Congress has stated that consumers have the right to privacy. These companies listed above, has violated my federal protected right to privacy. Failure to meet the needs of congress has had a negative impact. The companies listed has not exercised their responsibility to confidentially protect my personal information. The Fair credit Reporting Act was generated to enforce that the consumer reporting agencies provided fairness, and respect to the consumers right to privacy! 
Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, Identity, and statement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting 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:
I XXXX XXXX XXXX XXXX is a victim of Identity theft. These companies ( XXXX, XXXX, and Equifax ) utilized /furnished my consumer report without my authorized consent, or written instruction. My personal information was shared, presented and furnihed without my consent. Congress has stated that consumers have the right to privacy. These companies listed above, has violated my federal protected right to privacy. Failure to meet the needs of congress has had a negative impact. The companies listed has not exercised their responsibility to confidentially protect my personal information. The Fair credit Reporting Act was generated to enforce that the consumer reporting agencies provided fairness, and respect to the consumers right to privacy!

Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, Identity, and statement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I asked for a personal report for LexisNexis Risk Solutions a month ago, and noticed my profile is mix with others who have the similar name to me. So I ask them to dispute my information first time on XX/XX/XXXX, after several day they sent me an updated report which have nothing changed, the wrong person was still on my report. So I phoned them and disputed the second time on XX/XX/XXXX. The letter arrives today but nothing changes as well. 

I have already attached the personal information report from LexisNexis as attachment, Yellow highlight means correct info please keep, Pink highlight means wrong info which not belong to mine please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. 
The accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to ma all of the documents that you have recorded and retained in your file of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting 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: KY

Complaint narrative:
I recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. 
The accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to ma all of the documents that you have recorded and retained in your file of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

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 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: PA

Complaint narrative:
Key bank closed my business checking account for unauthorized use and transactions from my personal accounts and business and written numerous letters x emails about the transaction dispute and requesting total refund balance and account open due protected laws of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
in accordance with the 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( COMMUNITY CHOICE CREDIT UNION ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
On XX/XX/XXXX, I entered into an agreement with JPMCB regarding an outstanding debt I owed on a credit card. The card was opened on XX/XX/XXXXXXXX  and closed in XX/XX/XXXX. The agreement was to settle the outstanding balance of {$3000.00} by forgiving {$1900.00} reducing the outstand amount to {$1100.00} if I fulfilled a payment plan. The payment plan was scheduled for 8 monthly payments in the amount of {$130.00} and and final payment of {$79.00}. I paid the first payment on XX/XX/XXXX in the amount of {$130.00}. I made additional payments as follows : XX/XX/XXXX {$130.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$590.00} * I have filled my part of the agreement but, JPMCB refuses to update the outstanding balance to {$0.00}. I request that JPMCB be directed to update the balance with all the three major credit bureaus or have the entry removed all together. I have tried to dispute with the credit bureau but JPMCB keeps submitting false information to the bureau. 

*Paid off early

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
I XXXX XXXX, consumer and natural person who is a victim of identity theft. Transunion, XXXX, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which Transunion, XXXX, and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID, and statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I XXXX XXXX, consumer and natural person who is a victim of identity theft. XXXX, XXXX, and Equifax had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX, XXXX, and Equifax has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID, and statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been disputing with equifax about an account from XXXX XXXX XXXX and since then the account has been removed from experian but still says its an active loan on equifax I ask for them to remove it because the information is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
in accordance with the 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: GLOBAL CREDIT UNION
State: WA

Complaint narrative:
I tried to open an account and the bank manager XXXX XXXX told me my passport wouldn't be accepted because it wasn't signed but she was looking at my Immigrant VISA which is acceptable ID to work, and then when we showed her the biometrics page of the passport which is signed she still denied it. She was rude and told them to leave. 

She was determined to deny an account to an XXXX XXXX. She started saying things about fraud and wouldn't allow my companion help answer her questions although it was difficult for me to understand what she was asking. XXXX is not my first language! 

My wife was XXXXXXXX the phone and she refused to speak to her and told me to call their call center. She did and their operations management was called and they verified a XXXX  passport with a SSN was sufficient ID. Another branch told my XXXX wife a XXXX passport and SSN was sufficient ID. 

That particular branch two weeks ago told us the passport was sufficient with my SSN and when I returned with the SS card this is what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I've attempted to make XXXX payments on my outstanding loans with my servicer, Aidvantage, but each has been reversed with no explanation or e-mail notification despite payment confirmation through e-mail and confirming that my bank account information was correct. 

The payments were : XX/XX/23 for {$1000.00} XX/XX/23 for {$1200.00} XX/XX/23 for {$1000.00} XX/XX/23 for {$1000.00} I've just submitted another payment for ~ {$1200.00} on XX/XX/23 with freshly confirmed bank information, and have yet to hear back from my loan servicer regarding the bounced payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I do not consent to electronic communications. I request all responses be in writing through the XXXX I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I am writing to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the name of the company below, and the dates the inquiry was made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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