vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a dispute Dated XX/XX/XXXX in for some erroneous, inaccurate, incomplete items that are reporting on my consumer report. I received just update/ verified on the CRA 's app. I have not received any updated credit report from XXXX or Equifax. I also sent in debt XXXX which not one of the CRA 's or debt furnisher validated the debt. I sent in a letter requesting proof of reinvestigation XX/XX/XXXX and gave them 15 days from the receipt of the certified letter and I still have not received any information from anyone other than verified/ updated in the CRA 's app. This is a major violation of my consumer rights per FCRA, FCDPA ... XX/XX/XXXX {$230.00}, XX/XX/XXXX {$160.00}, XX/XX/XXXX {$19000.00}, I also requested that my personal information be corrected that it reflects which I sent the CRA 's the information they requested, and they have violated my consumer rights. 15 USC 1681 ( a ) ( 4 ) there is a need to ensure that the credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. I demand all information be deleted of all personal identifiable information from my consumer report Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent the following accounts : XXXX XXXX XXXX XXXX Account number XXXX Date XXXX, XXXX XXXX XXXX, XXXX. 
XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Account number XXXX Date : XX/XX/XXXX the following above accounts has violated my rights. 

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 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 2022-04-23 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I filed a dispute in regards to the inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 004 A Section 2 : It also states a consumer reporting agancy can not furnish a account without my writion instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer roporting 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 XXXXXXXX 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 2022-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have formally requested by certified mail that LVNV Funding LLC C/O XXXX XXXX XXXX provide me with validation of the three accounts # XXXX, # XXXX and # XXXX that they have listed in my credit files that they are reporting to the three major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I have asked for a form of verified statement by a person with original knowledge of these debts, who can testify that these debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recall consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any ensuring entity during the period they may have been payable. They are now in violation of the Fair Debt Collection Act by not responding to any of my letters nor have they provided any validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 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 2022-04-23 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: I.C. System, Inc.
State: TX

Complaint narrative:
I filed a dispute in regards to the inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results...

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 2022-04-23 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: CCF Intermediate Holdings LLC
State: LA

Complaint narrative:
Cash Central, a loan service, reported an inquiry that I, XXXX XXXX XXXX, did not commit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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 the following accounts : XXXX XXXX XXXX XXXX Account number XXXX Date XXXX, XXXX XXXX XXXX, XXXX. 
XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date : XX/XX/XXXX the following above accounts has violated my rights. 

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 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 2022-04-23 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 the following accounts : XXXX XXXX XXXX XXXX Account number XXXX Date XXXX, XXXX XXXX XXXX, XXXX. 
XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date : XX/XX/XXXX the following above accounts has violated my rights. 

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Information not 100 % correct such as address, amount owed, type of account. Certified letters sent multiple times to address situation.

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 2022-04-23 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 Act XXXX  account numbers XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 writing instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
This is a XXXX company that offers installment payments for many websites. I recently purchased a XXXX XXXX  ( XXXX ) and used this company for payment. Their website, which I have attached XXXX XXXX XXXX XXXX XXXX says they accept debit cards as payment, but I tried to make a payment with a prepaid debit card and was declined. I reached out to the company to clarify, and they said they don't accept prepaid debit cards, though it doesn't say it on their website. I think it's dishonest not to transparently display this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: MD

Complaint narrative:
The listed inquiries and accounts were not authorized by me to be furnished on my consumer report. Please remove them immediately. Please see the attached documentation.

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 2022-04-23 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: EdFinancial Services
State: TX

Complaint narrative:
I filed a dispute in regards to the inaccurate items in my credit report. It has been well over XXXX ( XXXX ) days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: CL Holdings LLC
State: TX

Complaint narrative:
I filed a dispute in regards to the inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 2022-04-23 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: Marauder Corporation
State: TX

Complaint narrative:
I filed a dispute in regards to the inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-23 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: MD

Complaint narrative:
The listed inquiries and accounts were not authorized by me to be furnished on my consumer report. Please remove them immediately. Please see the attached documentation.

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 2022-04-23 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: MD

Complaint narrative:
The listed inquiries and accounts were not authorized by me to be furnished on my consumer report. Please remove them immediately. Please see the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: MD

Complaint narrative:
I did not consent to authorize the attached accounts and inquiries on my consumer report. Please remove them immediately. Please see the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: Omega RMS, LLC
State: OH

Complaint narrative:
Information not 100 % correct such as address, amount owed, type of account. Certified letters sent multiple times to address situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Bankruptcy -Reference XXXX XXXX Account XXXX : XXXXXXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX  XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX XXXX  XXXX  Account number : XXXX XXXX XXXX Collection Account number : XXXX XXXX XXXX Collection Account number : XXXX XXXX XXXX  Collection Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23 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 XXXX Account # ending in 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 Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$6700.00} Amount {$6700.00} Status Date XXXX XXXX, XXXX Status XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I put XXXX in my business checking account so I can get the XXXX bonus. I went to the bank and they said something was going on that I have not received the bonus in my business checking account. There was an error opening it up so I thought it started XX/XX/XXXX. I kept my money in there and made 10 transactions on XX/XX/XXXX. There was a lot of confusion because XXXX did not open the account correctly so I had to go back to bank the following week and she informed me that is when my account would be opened. She could not open it with the error that currently happened the week of XX/XX/XXXX. I was then told at the branch I had until the second the week of febuary the XXXX. So for one day im not getting the bonus

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 2022-04-23 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I filed a dispute in regards to the inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
I filed a dispute in regards to the inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.

Company response to consumer: Closed with explanation