vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-18 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:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: TX

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

15 U.S.C 1681 section 602 A states I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
Hello, On XX/XX/XXXX of 2022, three unauthorized transactions were made on my XXXX XXXX  account. A transfer amount of {$54.00}, {$100.00}, and {$100.00} was taken from my amount which I did not do. It was done through remmesa, XXXX XXXX XXXX with the pickup location being called XXXXXXXX XXXX XXXXXXXX. I have just closed my card as of today XX/XX/XXXX but my bank can not do anything until the money is done pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-06-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
I received an offer from my Citi AAdvantage card to earn XXXX bonus miles by opening a savings account with Citibank and depositing at least {$10000.00} ( other requirements regarding keeping the money for 60 days, etc ). I am unable to open the savings account online or with a personal banker. Apparently, my card is linked to an account I closed a long time ago and that is causing the issue. 

I have called customer service multiple times on both the credit card side and on the banking side ( however, I didnt take notes until recently ). Both departments say that my banking account has been unlinked but the problem continues. On XX/XX/22 I spoke to a XXXX who was great ( worked on it a long time and called me back ) but was unable to fix. Then I spoke to XXXX # XXXX on the credit card side who was obviously frustrated with me. Then I spoke to XXXX ( a supervisor ) and admittedly raised my voice but I was not cursing or being rude and he transferred me without telling to the technical department. That woman said she would send me a new link for the offer which was not done. She also transferred me without telling me to a personal banker. 

On XX/XX/22 I called technical support again and a woman immediately transferred me to banking. I called again and a nice man, XXXX, tried to help me but again he had to refer me to the banking department. XXXX picked up the phone there and transferred me. I first got one female personal banker who was unable to find my offer so she transferred me to another personal banker. This one, XXXX, know exactly what I was talking about she had seen this before but she didnt have a solution. Supposedly she will email someone to send me a new offer link but I have not idea if that will even work. So here I am.

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 2022-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Collections company has violated my rights according to 15 U.S. Code 1692g - Validation of debts Collections : NATIONAL CREDIT SYSTEMS Acct XXXX Many Validation requests have been made but correct validation information was never sent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I contacted XXXX XXXX to inform them of an account that was opened in my name fraudulently that appeared on my credit report. It was deleted from all three credit bureaus, but XXXX XXXX has not deleted the account from their recorders. I would like them to delete the inaccurate account with my information from their data. I have never had an account 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 explanation
Consumer complaint received 2022-06-18 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: LEXISNEXIS
State: FL

Complaint narrative:
I contacted XXXX XXXX to inform them of an account that was opened in my name fraudulently that appeared on my credit report. It was deleted from all three credit bureaus, but XXXX XXXX has not deleted the account from their recorders. I would like them to delete the inaccurate account with my information from their data. I have never had an account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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:
XXXX XXXX XXXX all accounts, XXXXXXXX XXXX XXXX  all accounts, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. All accounts has violated my rights according to 15usc1681 602 and 15usc1681 604a .I have a right to privacy and a consumer reporting agency can not furnish my accounts 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 2022-06-18 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: LA

Complaint narrative:
XXXX XXXX XXXX all accounts, XXXXXXXX XXXX XXXX all accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX. All accounts has violated my rights according to 15usc1681 602 and 15usc1681 604a .I have a right to privacy and a consumer reporting agency can not furnish my accounts 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 2022-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RMS-Recovery Management Services, Inc.
State: AZ

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2022-06-18 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: DC

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

15 USC 1681 602 ( A ) States I have the right to privacy.

15 USC 1681 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
Consumer complaint received 2022-06-18 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, Dept. Of Education Account # XXXX, XXXX XXXX And XXXX account # XXXX, has violated my rights. 

15 USC 1681 602 ( A ) States I have the right to privacy.

15 USC 1681 604 ( A ) Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: NY

Complaint narrative:
In accordance with the fair credit reporting act these following accounts have violated my rights Account Name : XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section602 A States I have a right to privacy 15 U.S.C 1681 Section604 B States a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act these following accounts have violated my rights Account Name : XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section602 A States I have a right to privacy 15 U.S.C 1681 Section604 B States a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX  XXXX Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; DEPT OF EDXXXX XXXX  Account # XXXX ; XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ; DEPTEDXXXX  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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/2022, Transunion I have obtained a letter from XXXX. The letter states that XXXX obtain address that is not on my credit report. 

The fair credit reporting act clearly states that a consumers credit report must be accurate. 

I have attached documents for your review. Please reinvestigate this public record match with 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 2022-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
Love, Beal & Nixon got a wage garnishment against me for {$10000.00} for a debt that is not mine from XXXX. LB & N claim that I owe this debt. The debt is from a credit card company called XXXX. They went out of business in XXXX.XXXX, picked up the debt in XXXX and sued me then XXXX XXXX in XXXX. I have never heard of XXXX, nor have I ever been served with a Subpoena to appear in court. XXXX hired Love, Beal & Nixon a debt collector, I don't know when. I'm guessing in XXXX. LB & N say they served me a subpoena in XXXX, which is a bold face lie. I have NEVER been served with a subpoena of any kind, from anyone. Now zoom to XXXX LB & N have gotten a wage garnishment against me for almost. I called them to see if they would take less, or get some kind of payment just to get this over with. I first offered {$1000.00}, the {$2000.00}. She said that they want {$11000.00} now. What happening here, in order for me to get out of this debt, that is not mine, I'm being forced to file for bankruptcy. That's not right. I've spent the last 9 years building my credit, from a score of XXXX, to a score of XXXX. For 9 years I have never heard hide nor hair from Love, Beal & Nixon. Not a word. Now this. They want more money now, than what the garnishment is. At 29.99 % interest. There is absolutely no way for anyone to pay that off. I bring home {$1500.00} a month. And I am at my witts end. Nor do I want to file for bankruptcy. I don't know what else to do. They are trying to ruin my life. I'm XXXX, and I don't know who to turn to, but you. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX  XXXX Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; DEPT OF ED/XXXX  XXXX, Account # XXXX ; XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX ; DEPTEDXXXX 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 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
Consumer complaint received 2022-06-18 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; DEPT OF EDXXXX XXXX Account # XXXX ; XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX ; DEPTEDXXXX 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 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
Consumer complaint received 2022-06-18 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  account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer report agency can not furnish a account without my written instruction XXXX XXXX XXXX # XXXX Dept of Ed XXXX # XXXX U.S dept of education 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 2022-06-18 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: CA

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 to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer report agency can not furnish a account without my written instruction XXXX XXXX XXXX XXXX XXXXXXXX Dept of Ed XXXX # XXXX U.S dept of education XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted my dispute letters on XXXX XXXX and was informed that they have not received my letters, I am submitting my letter through CFPB to ensure that they are delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I formally request that the following inaccurate items be immediately investigated. They must be removed in order to show my true credit history, as these items should not be on my credit report. Pursuant to the Fair Credit Reporting Act, I expect you to complete the verification within 30 days. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. 
Can you please investigate the following information and either remove it or at least send me the information that you used to add it to 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