vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-05 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, the following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681c ( a ) ( 5 ), 15 USC 1681 ( b ) ( a ) ( 2 ), 15 USC 1681s-2, ,15 USC 1681 section 602 ( A ) ,15 USC 1681 604 ( 2 ) : XXXX ( no account number available ) XXXX XXXXXXXX Bank NA ( no account number available )

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 2022-06-05 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: LA

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 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 2022-06-05 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: LA

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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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 following accounts have violated my rights : XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXX XXXX XXXX BANKRUPTCY 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.

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 2022-06-05 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXXXXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXX XXXX XXXXXXXX BANKRUPTCY XXXX XXXX XXXXXXXX 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 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Self Financial Inc.
State: FL

Complaint narrative:
Pursuant to 15 U.S. Code 1666b - Timing of payments, I, XXXX XXXX, federally protected consumer, am aware Self Lender is in violation. I am demanding Self Lender to update my account with no late payments, no negative information reporting to consumer reporting agencies on my behalf and demanding all positive reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Pursuant to 15 U.S. Code 1666b - Timing of payments, I, XXXX XXXX, federally protected consumer, am aware XXXX XXXX is in violation. I am demanding XXXX XXXX to update my account with no late payments, no negative information reporting to consumer reporting agencies on my behalf and demanding all positive reporting.

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 2022-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
I was charged by XXXX for an account I never had. After many phone calls and going by the store none of the associates could help me because they did not know why I was charged or for what. I requested the collection agency send me proof of this account such as an agreement and an itemized bill showing what the charges were for but they sent a bill that showed a break down of {$0.00} charge per item with a grand total of {$200.00}. In fact I have another bill showing a {$0.00} balance during the same period that they are trying to collect from. I know these charges are bogus and I figured that they would figure it out as well when they " investigated '' the charges but apparently that is not the case. It is obvious they have not investigated anything or they would have not pursued further. They or XXXX have not been able tell me exactly what the charges are for yet continue to harass me over a debt that simply doesnt exist. I am about to seek legal presentation for this issue as it appears I am dealing with a fraudulent company with poor practices and every organization I contact about this leaves it to the bill collector to investigate their own case rather then step in and see what these companies are doing. If someone really investigates these charges, they will see that I am being fraudulently charged and that this so called account never existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.

Complaint narrative:
Good day, I need to reopen my claim number XXXX. I never received the funds payment. The check was never received. 

I have since moved to a new address so please reissue the check to the new address below. I have attached a copy of my electric utility bill showing proof of my address. Please send it via trackable mail service. 

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 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - ( 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.

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 2022-06-05 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: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - ( 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.

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 2022-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
This dispute is with chime they are my current company I bank with. On XX/XX/XXXX of XXXX I was XXXX XXXX XXXX until XX/XX/XXXX. Upon getting out I discovered several unauthorized charges on my chime account. ( I discovered these charges after a few days of trying to remember my pass codes etc ) after finally getting in my account & noticing these charges I immediately called chime & informed them of all these charges which have all been listed below. I also filed a police report of this charges to further validate my claim that this wasn't done by myself. I told them my card had been missing along with my phone & everything of my personal property including my car. This very well could have give this person access to the pin number if it was used to make these charges on my account. Several of these charges are done online & even one charge was done account 2 account ( the receiver has a chime account ) I even emailed a copy of my XXXX XXXX proving further that I was in XXXX  while these charges were being made 2 my account. I was told the claims were closed out & they weren't going to be refunding any of the funds that had been spent on my account to total roughly XXXX $! They told me that the charges were authorized even though I had just been released XXXX XXXX & had no way of making these charges myself nor able to have anyone make these charges for me to make them " authorized " I don't know what to do or where to turn next to get these funds back hopefully you can tell me or point me in the right direction. Thanx so much for your time below is a list of the charges to my account & the places & dates they were made on my account! 

XXXX XXXX phone transfer- {$50.00} XXXX XXXX {$18.00} XXXX phone XXXX- {$15.00} XXXX XXXX XXXX- {$25.00} XXXX XXXX XXXX  {$13.00} XXXX XXXX  payment- {$200.00} XXXX XXXX  XXXX {$75.00} XXXX XXXX {$10.00} XXXX XXXX {$18.00} XXXXXXXX XXXX XXXX {$10.00} XXXX XXXX {$21.00} XXXX XXXXXXXX  payment- {$31.00} XXXXXXXX XXXX- {$1.00} XXXXXXXX XXXX  - {$1.00} Please keep in mind I was in XXXXXXXX XXXX  from XXXX even the XXXX payments weren't made to my XXXX account as these were made to an account XXXX XXXX XXXX  Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX shall be fined under title 18 USC 894 ( a ) ( 1 ) ( 2 ) or imprisoned for 20 years or both if you dishonor this Cease And Desist Negative Information Order because by XXXX XXXX furnishing my nonpublic personal information and by it not being a requirement, XXXX XXXX is doing this without my lawful authority as it brings substantial harm to me and my financial reputation attempting to extort me by furnishing this information to consumer reporting agencies this now falls under 18 U.S. Code 894 - Collection of extensions of credit by extortionate means. Im also aware of federal law definition of Charge off ( See attachment ). Im demanding Update my account as Paid as Agreed. 
If XXXX XXXX does not comply this matter shall proceed in Federal Court with prejudice!

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 2022-06-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
This complaint is regarding an account i have on my credit report from XXXX XXXX XXXX that has a negative impact on my credit report. I sent my first letter to Experian on XX/XX/XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding XXXX XXXX XXXX account reported on my credit report. Under the FCRA, unverified accounts must be removed if Experian is unable to provide a copy of verifiable proof. 
On XX/XX/XXXX I sent my second written request to Experian asking for a description of the procedures used to determine the accuracy of this account. they did not provide me with any hard copy documentation showing that they properly verified this account and under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to " promptly delete all information which can not be verified. '' They did not delete the account. 
On XX/XX/XXXX of XXXX I sent my third written request to Experian because the account still remained on my credit after the first 2 letters sent. I asked them to delete this account because they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, Experian did not provide the method of verification as required under section 611 ( a ) ( 7 ).

Again section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified to be promptly deleted. 
On XX/XX/XXXX I sent my 4th written letter to Experian because the account is still on my credit report unverified. Again i did not receive copy of any original documentation for this account and no method of verification was provided. 
All my letters have been sent certified mail with return receipt and signature on them. Also all letters were signed by a notary agent before sending them. 
They have received all my letters, I have not received a response through mail although I have requested it and the account is still on my credit report. 
This has impacted my life in such a negative way, and the stress that has put on my life is overwhelming.

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 2022-06-05 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: Self Financial Inc.
State: PA

Complaint narrative:
In response to CFPB complaint # XXXX regarding account number XXXX Self Financial stated " upon receipt of your complaint a thorough investigation was completed. I would like to know how your investigation was completed. 
Self-Financial stated " Statements were uploaded to the account online and can be viewed through our website or mobile app. Emails were also sent advising of the past due payments and that if the account went 30 days past due it would be reported to the credit agencies. I am unaware of such notice. And I also did not get a notice to opt of credit reporting. If such notice was sent I will need confirmation such as a certified letter with return receipt with a tracking number. I believe that the charges are inaccurate and I will need you to cease communication in regards to this alleged debt. ( see cease and desist letter attached ). I am aware of 15 U.S.C. 1692g ( a ) ( 1 ). allows me to request the amount of the alleged debt and how the amount of this alleged debt was calculated. Please keep in mind that this is only a request for validation of the amount of this alleged debt. Please be clear on where the debt originated, how it was calculated and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information. I am only requesting the alleged amount of this debt you claim I owe and how it was calculated. If for any reason you can not provide me with this information I will need Self Financial to clarify this as a billing error. Also keep in mind that the account should be updated to PAID AS AGREED.

I am aware that the reporting of negative information to a consumer reporting agency is a direct violation of 15 U.S.C 1681s-2. 
I never gave consent for Self Financial to report any negative information to any consumer reporting agencies, and be aware that AGGRAVATED IDENTITY THEFT CARRIES A TERM OF 2 YEARS OF INPRISONMENT. 
Any payments made to this account shall be returned immediately. 
Best regards XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
To whom it may be a concern : I had a loan with XXXX  for around 1 year on address XXXX XXXX XXXX, XXXX CA XXXX. I have setup Autopay from my Saving Account and I have been paying my loan via autopay with no issue. Refer to my document attached for # 1. 

My XXXX  score has been over XXXX for many years until my loan was sold to XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. I have received letters that XXXX has bought out my loan. Refer to my document attached for # 2.1, # 2.2, # 2.3. The letter clearly say the notice requires no action on my part, assuming the autopay will continue. 

Until I found out my XXXX score dropped in XX/XX/XXXX from my XXXX  XXXX XXXX report and found it the autopay was not working. I have immediately pay off all my outstanding payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I found XXXX XXXX XXXX has not reached out to me for this issue and resolve. 

I filed a credit review to XXXX and not able to resolve this. Please refer XXXX 's response on # 3.1, # 3.2. and # 3.3 for your reference.

Company response to consumer: Closed with explanation