vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-01 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: IN

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXXXXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions In accordance with the fair credit reporting act, XXXX account XXXX finance on XXXX violated my rights to privacy. 15 U.S.C 1681 section 602A states I have a right to privacy. 

In accordance with the fair credit reporting act XXXX account, XXXX XXXX XXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states have a right to privacy. 

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX violated my rights to privacy 15 U.S.C.1681 SECTION 602A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C.1681 SECTION 604A SECTION2 ALSO STATES IF ANY 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 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
It's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the ledge late payments on my credit report under federal law they have 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible.

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 2023-01-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: NY

Complaint narrative:
I do annual background checks and found my name common in the among XXXX XXXX. XXXX {$300.00} debt after I try to prove my name is still not XXXX fully changed to own rent property. Then they place debt on me that was own out of state with me having me paycheck as working in XXXX XXXX XXXX XXXX XXXX  Them only change they year of it was own. Plus the unsolved dispute only original XX/XX/XXXX to XX/XX/XXXX change the date not received report my current address. Call few time only want to collect information XX/XX/XXXX to XX/XX/XXXX they address new address to credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX ever lived or been at. Own removed middle month with dispute ( XX/XX/XXXX ) since it was original XX/XX/XXXX. Pay check sub proof is XXXX XXXX week week work overtime in XXXX XXXX  of the original collection.

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 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX account classified as loan for {$950.00} opened XX/XX/2022 with XXXX XXXX. I never opened an account with XXXX XXXX or XXXX XXXX XXXX on XX/XX/2022 as I was XXXX and out of the XXXX during that time. I filed a dispute with Experian and after about 2 weeks, they deemed their I no investigation as accurate, stating that the company has accurate information. I have never opened an account with XXXX XXXX, have not heard of them, never received any phone calls, e-mails or any other communication with this company. 

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely,

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 2023-01-01 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:
Account name : # XXXX, Account name : # XXXX has violated my rights. The account is not mine I am not an authorized user. 

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 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent in a copy of my police report to Experian detailing a fraudulent account from XXXX being reported on my credit profile. The fraudulent account continues to report in error. I am a victim of identity theft by a relative that opened numerous accounts in my name, as detailed in the police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
CEASE AND DESIST IMMEDIATELY XXXX XXXX am a NATURAL PERSON, in accordance with 15 U.S.C 1692c I am advising you, XXXX, XXXX, in writing that I refuse to pay the alleged debt. I am demanding you cease all forms of communication with me through every illegal avenue. You have caused me mental and financial stress when you issued a debt that does not belong to me the natural person and which I am not responsible for.

I DEMAND THAT THIS CONTRACT BE VOIDED!! Cease and desist all collection attempts on this false debt I refuse to pay.

According to 15 U.S.C 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and original creditor I demand all of the following : An audit trail of the alleged debt.

XXXX  out the balance of the account. 
STOP & DELETE negatively reporting to all consumer reporting agencies DELETION from all consumer reporting agencies If there is no response or compliance to this cease and desist it will be another violation under FDCPA for willing non-compliance and I will seek litigation as well as provide your entity with an invoice for every violation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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:
Account name : # XXXX, Account name : # XXXX has violated my rights. The account is not mine I am not an authorized user. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: AZ

Complaint narrative:
CEASE AND DESIST IMMEDIATELY XXXX XXXX am a NATURAL PERSON, in accordance with 15 U.S.C 1692c I am advising you, XXXX XXXX XXXX, in writing that I refuse to pay the alleged debt. I am demanding you cease all forms of communication with me through every illegal avenue. You have caused me mental and financial stress when you issued a debt that does not belong to me the natural person and which I am not responsible for. 
I DEMAND THAT THIS CONTRACT BE VOIDED!! Cease and desist all collection attempts on this false debt I refuse to pay.

According to 15 U.S.C 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and original creditor I demand all of the following : An audit trail of the alleged debt.

Zero out the balance of the account. 
STOP & DELETE negatively reporting to all consumer reporting agencies DELETION from all consumer reporting agencies If there is no response or compliance to this cease and desist it will be another violation under FDCPA for willing non-compliance and I will seek litigation as well as provide your entity with an invoice for every violation. 
Sincerely, 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 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of identity theft. I submitted my police report, copies of my drivers license and social security card and a letter to Experian detailing the fraudulent accounts ( XXXX ending in XXXX & XXXX ending in XXXX ) that are reporting in error in my credit report. I referrenced the Fair Credit Reporting Act Section 605B in my correspondence to Experian and requested that the fraudulent accounts be blocked pursuant to federal law. Experian did not complete this request in the 4 days as required by law and rather opened a dispute and verified fraudulent accounts by confirming my name and date of birth, both of which have been compromised. Experian continues to disregard federal law by willfully reporting erroneous information on my credit profile that continues to cause me harm both financially and mentally. I have not benefitted nor did I authorize the accounts that Experian continues to report after being notified by myself and law enforcement that are fraudulent ( XXXX ending in XXXX & XXXX ending in 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 2023-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MoneyLion Inc.
State: UT

Complaint narrative:
on XX/XX/2022 I woke up to find an unexpected transaction in my XXXX account for {$530.00} which was exactly the balance I had in my XXXX checking account. My Money Lion XXXX account went into my XXXX checking account without my authorization and withdrew these funds. 
I contacted both XXXX and XXXX but neither of the. seem to get ihat this was done not only without my permission but I had no prior knowledge that this was or could even happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: WI

Complaint narrative:
This Third party Debt collector agency DIVERSIFIED ADJUSTMENT has bought my personal information or was given my personal information WITHOUT my consent! I do not owe this company, never had dealings with this company what so ever. This is a violation under the FDCPA as I didnt give permission for XXXX to sell my personal information. This is a form of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of identity theft. I submitted my police report, copies of my drivers license and social security card and a letter to TransUnion detailing the fraudulent accounts ( XXXX ending in XXXX & XXXX ending in XXXX ) that are reporting in error in my credit report. I referenced the Fair Credit Reporting Act Section 605B in my correspondence to TransUnion and requested that the fraudulent accounts be blocked pursuant to federal law. TransUnion did not complete this request in the 4 days as required by law and rather opened a dispute and verified fraudulent accounts by confirming my name and date of birth, both of which have been compromised. TransUnion continues to disregard federal law by willfully reporting erroneous information on my credit profile that continues to cause me harm both financially and mentally. I have not benefitted nor did I authorize the accounts that TransUnion continues to report after being notified by myself and law enforcement that are fraudulent ( XXXX ending in XXXX & XXXX ending in 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 2023-01-01 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 US DEPARTMENT OF EDU XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : 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 2023-01-01 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: IN

Complaint narrative:
Accounts have violated my Rights. 15 U.S.C 1681 Sec-602A State I have the right to Privacy. 15 U.S.C 1681 Sec- 604 A Sec 2 also states a consumer reporting Agency can not furnish a account without my written instructions. 15 U.S.C 1681C. ( a ) X ( 5 ) Sec states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other then records of convictions of crime which antedates the report by more than seven years. 15 U.S.C 1681s-2 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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

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 2023-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Months ago I reviewed my credit file and noticed XXXX XXXX XXXX that I did not recognize. I tried reaching out and validating the debt directly with Wakefield & Associates, since I do not recognize these alleged debts. I have never received any initial communication from Wakefield and Associates, they also failed to respond to my debt validation. They also are charging interest % on the alleged amount, since every month I see the balance go up on my credit report. I was not sure that was legal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: XOOM CORPORATION
State: PA

Complaint narrative:
I did two transactions with XXXX and xoom for XXXX each, the first one went through, then the second one didn't, when I asked them why XXXX blamed it on xoom and xoom blamed it on my bank. The money is missing and they belittled me when I called them three times. I want my money and they won't answer me too where it is, and some transactions were wrong and they wouldn't listen too me, they repeated everything I said too them back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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 US DEPARTMENT OF EDU XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: EQUIFAX, INC.
State: VA

Complaint narrative:
this is in-regards to my credit report and I have XXXX unauthorized inquiries that are on my credit report whenever you contact Equifax to XXXX anything on your credit report they give you a difficult time I also have a statement that I am to be contacted in regards to anyone trying to obtain my credit file. these are the XXXX XXXX authorized inquiries that they are failing to remove. 
XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX - XX/XX/XXXX. XXXX XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX. XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX  XXXX - XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX - XX/XX/XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX - XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX - XX/XX/XXXX. XXXX XXXX. XXXX - XXXX XXXX XX/XX/XXXX. XXXX

Company response to consumer: Closed with explanation