vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX  opened XX/XX/XXXX for {$630.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$930.00}, XXXX XXXX XXXX opened XX/XX/XXXX for $ XXXX.BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-04-18 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: 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, XXXX, XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX, 15 U.S.SC 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 2022-04-18 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX, 15 U.S.SC 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 2022-04-18 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: NC

Complaint narrative:
n accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 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 XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: CO

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX account # 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 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 2022-04-18 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: AL

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. 

XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX  Inquiry has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: AL

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. 

XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX Inquiry has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent

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 2022-04-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Systems This medical collection is also showing 3 different account numbers on all three bureaus. 
# 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 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank charged me a late fee for a late monthly payment. My credit card payment is due the XXXX of every month by XXXX Easter time. I live in California and made my payment XX/XX/XXXX at XXXX. Citi bank tells me I made that payment at XXXXXXXX XXXX  on XX/XX/XXXX ... not correct, I have record of my call when I made my XXXX XX/XX/XXXX. I havent checked my history payment dates but now wondering how many months I may have been charged late fees when payments were made by the due date.

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 2022-04-18 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: MI

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX Travel/Entertainment XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$45000.00} XX/XX/XXXX XXXX XXXXXXXX {$5100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$440.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 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 2022-04-18 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:
15 u.s.c 1681 section 602 A. States I have 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-04-18 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:
15 u.s.c 1681 section 602 A. States I have 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2022-04-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXXT # 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 non-monetary relief
Consumer complaint received 2022-04-18 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # 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 : 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 2022-04-18 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: MI

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX ( FINANCE ) XX/XX/XXXX, XXXX XXXX ( XXXX XXXX  ) XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  THERE IS 1 LATE OR MISSED PAYMENTS ON MY REPORT ON XXXX XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 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 2022-04-18 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding and True Accord Violated my rights consistently from XX/XX/XXXX to XX/XX/XXXX when I asked them to Verify the account by providing me with a signed contract which they didnt. I do not have a contract with any of these company. 

15 U.S. Code 1692c, section a states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692c a 1 states that a debt collector should not communicate with the consumer at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock XXXX and before XXXX oclock XXXX, local time at the consumers location ; 15 U.S. Code 1692b section 2 states that any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shallnot state that such consumer owes any debt ; 15 U.S. Code 1692b section 5 states collection agencies can not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and 15 U.S. Code 1692b ( 2 ) states that the collection agency should not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; also none of these collection agencies are located in my State.

they also violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A states that I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: AL

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. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX  Inquiry has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent

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 2022-04-18 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX  opened XX/XX/XXXX for {$630.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$930.00}, XXXX XXXX XXXX opened XX/XX/XXXX for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-04-18 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: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
This account was fraudulently opened by an ex of mine while we were living together on the verse of our lease ending and a break-up. I am not the owner of this account and will be taking legal action against the company, the dealership, as well as the individual involved, purposely negatively and maliciously affecting my credit.

Company response to consumer: Closed with explanation