vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 has violated my rights. 

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Sec.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 2022-06-26 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, 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 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 has violated my rights. 

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Sec.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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have asked the credit bureaus to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. XXXX has also failed to comply to multiple federal and state laws under the FCRA. 
Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual. 
15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. $ 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for XXXX to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file. 
I am asking for XXXX to provide the following : XXXX. The original contract and or agreement bearing my signature XXXX Who they spoke to from the creditor the date and time in which thev spoke with them. 
By law they have 15 days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. I will attach a document of the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately. It is a crime to threaten lawsuit wit & no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have asked the credit bureaus to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. XXXX has also failed to comply to multiple federal and state laws under the FCRA. 
Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual. 
15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. $ 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for XXXX to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file. 
I am asking for XXXX to provide the following : XXXX. The original contract and or agreement bearing my signature XXXX Who they spoke to from the creditor the date and time in which thev spoke with them. 
By law they have 15 days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. I will attach a document of the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately. It is a crime to threaten lawsuit wit & no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.

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 2022-06-26 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: CA

Complaint narrative:
I have been a victim of serious identity theft! My credit report is extremely inaccurate and I have high credit card charges on Credit cards. I also had money stolen from my XXXX XXXX back account which I have not yet received back. The worst part is my credit score dropped significantly and the credit bureaus make it impossible to remove fraudulent activities off of my credit 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 non-monetary relief
Consumer complaint received 2022-06-26 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: CA

Complaint narrative:
I have been a victim of serious identity theft! My credit report is extremely inaccurate and I have high credit card charges on Credit cards. I also had money stolen from my XXXX XXXX back account which I have not yet received back. The worst part is my credit score dropped significantly and the credit bureaus make it impossible to remove fraudulent activities off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: CA

Complaint narrative:
I have been a victim of serious identity theft! My credit report is extremely inaccurate and I have high credit card charges on Credit cards. I also had money stolen from my XXXX XXXX back account which I have not yet received back. The worst part is my credit score dropped significantly and the credit bureaus make it impossible to remove fraudulent activities off of my credit 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 2022-06-26 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: VA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX, Amount : $ XXXX XX/XX/2XXXX XXXX XXXX XXXX AMount : {$63.00} XXXXXXXX XXXX XXXXXXXX Amount : {$140.00} XXXXXXXX XXXX XXXXXXXX Amount : {$180.00} XXXXXXXX XXXX XXXXXXXX Amount : {$400.00} XXXXXXXX XXXX XXXXXXXX Amount : {$280.00} XXXX XXXX XXXXXXXX Amount : {$170.00} XXXXXXXX XXXX XXXXXXXX Amount : {$230.00} XXXXXXXX XXXX XXXXXXXX AMount : {$120.00} XX/XX/XXXX XXXX XXXXXXXX Amount : {$70.00} Date : XX/XX/20XXXX XXXX XXXXXXXX Amount : {$280.00} XX/XX/2XXXX XXXX XXXX Amount : {$270.00} XX/XX/XXXX XXXX XXXXXXXX Amount : {$320.00} XX/XX/2022

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 2022-06-26 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: VA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX, Amount : $ XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX AMount : {$63.00} XXXXXXXX XXXX XXXX Amount : {$140.00} XXXXXXXX XXXX XXXXXXXX Amount : {$180.00} XXXXXXXX XXXX XXXXXXXX Amount : {$400.00} XXXXXXXX XXXX XXXXXXXX Amount : {$280.00} XXXXXXXX XXXX XXXXXXXX Amount : {$170.00} XXXX XXXX XXXXXXXX Amount : {$230.00} XXXXXXXX XXXX XXXXXXXX AMount : {$120.00} XX/XX/XXXX XXXX XXXXXXXX Amount : {$70.00} Date : XX/XX/2XXXX XXXX XXXXXXXX Amount : {$280.00} XXXX XXXX XXXXXXXX Amount : {$270.00} XX/XX/XXXX XXXX XXXX Amount : {$320.00} XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
In accordance with the fair credit reporting act Ally Financial Account number XXXX, 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 an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any purpose

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 2022-06-26 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: IN

Complaint narrative:
As of XX/XX/2022 XXXX has admitted to invading my privacy by reporting my non public personal information on my credit report in their most recent response to my dispute request. They refuse to remove this alleged bankruptcy because they claim to have furnished this " US Bankruptcy '' information from the third party company XXXX XXXX. 

I am aware that XXXX is using unlawful extortionate means by furnishing my NON Public personal information, which includes transactions between only me and the furnisher. 

Which in this case the furnisher would be the Southern District Court of Indiana. XXXX XXXX is disclosing my non public personal information to the Credit Reporting Agencies Experian XXXX XXXX Using unlawful extortionate and is a violation of 18 USC 894, punishing me by furnishing my nonpublic personal information without my consent as a means to ruin my financial reputation is a direct violation of 18 USC 894. 

Furthermore the Gramm-Leach-Bliley Act ( GLBA ) Protects the personal and financial information of their customers against unauthorized access or use, Not disclose nonpublic personal information to nonaffiliated third parties, unless the consumer receives sufficient notice, Give customers the opportunity to opt out from having their information shared in certain situations. 

I was NEVER given the opportunity to opt out of having my information furnished by XXXX XXXX, XXXX, or Experian. 

I am aware that XXXX, Experian and XXXX XXXX may be working as co-conspirators to ruin my financial reputation & shall be held criminally liable for 20 years if they do not remove this item from my credit report and this also may result in a criminal complaint under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) listing if they can not show me how they were lawfully able to obtain and furnisher my NON public Personal information.

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 2022-06-26 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: IN

Complaint narrative:
As of XX/XX/2022 XXXX has admitted to invading my privacy by reporting my non public personal information on my credit report in their most recent response to my dispute request. They refuse to remove this alleged bankruptcy because they claim to have furnished this " US Bankruptcy '' information from the third party company Lexis Nexis. 

I am aware that XXXX is using unlawful extortionate means by furnishing my NON Public personal information, which includes transactions between only me and the furnisher. 

Which in this case the furnisher would be the Southern District Court of Indiana. Lexis Nexis is disclosing my non public personal information to the Credit Reporting Agencies XXXX XXXX XXXX Using unlawful extortionate and is a violation of 18 USC 894, punishing me by furnishing my nonpublic personal information without my consent as a means to ruin my financial reputation is a direct violation of 18 USC 894. 

Furthermore the Gramm-Leach-Bliley Act ( GLBA ) Protects the personal and financial information of their customers against unauthorized access or use, Not disclose nonpublic personal information to nonaffiliated third parties, unless the consumer receives sufficient notice, Give customers the opportunity to opt out from having their information shared in certain situations. 

I was NEVER given the opportunity to opt out of having my information furnished by Lexis Nexis, XXXX, or XXXX. 

I am aware that XXXX, XXXX and Lexis Nexis may be working as co-conspirators to ruin my financial reputation & shall be held criminally liable for 20 years if they do not remove this item from my credit report and this also may result in a criminal complaint under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) listing if they can not show me how they were lawfully able to obtain and furnisher my NON public Personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: VA

Complaint narrative:
These companies have stated theyve conducted an investigation to remove all improper or an accurate information from my credit report. They have not done this. The last investigations took way too long for them to address the issues that I pointed out that they still have yet to fix. For example, on XXXX XXXX I did not and do not know of any information research company that decided to pull a hard pull for my credit. And it is baffling to me how XXXX seemed to get the information correct yet XXXX and Experian still continue to do what they want to do. Additionally I have never lived on board the XXXX XXXX XXXX XXXX. I fail to understand how their investigation gets these results but the reporting companies for the XXXX bureau has correct information! I have never authorized them to report anything concerning me yet they still continue to place false information on my credit report as if they had a right to do so. They can get this fixed immediately or we can go to the FTC. I am tired of waiting for them to figure out their mistakes that have already been pointed out. I dont care what fake company they choose to use to gather information, they should do the job themselves, aka a proper investigation, to see where I live, what I have done, and where I work instead of reporting false and fake information about me such as the husband they had attached to my account when I wasnt even married! This is the absolutely last chance to get all information correct.

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 2022-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Kikoff Inc.
State: CT

Complaint narrative:
On XX/XX/22 a retail loan was opened with Kickoff lending LLC in my name with a balance of {$24.00}, I never applied or opened an account. with the above company nor have I ever heard of them I tried calling the company to inform them of this problem however there is no customer service or a prompt to speak to someone.

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 2022-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: IN

Complaint narrative:
This is an addendum to complaint I filed under email : XXXX. 
Complaint number : XXXX. 
To summarize here that complaint. Cashapp has stated they have mailed me my card twice to no avail. I have not received a card. Their standardized response is Since its been more than 14 days since you ordered your Cash Card on [ insert date ] [ insert time ] XXXX ( Central Standard Time ) , it was likely lost in the mail. You can get a new card by tapping below : They have told me this twice and yet again telling me to request the card for a third time. I am refusing and requested a card be expedited to me. Attachments will show a manager removed me and said he could mail my card out expedited but never responded after that email until today. After filing this complaint the manager came back via email and stated that they have reimbursed me the fee of {$5.00} for the specialized card which is not true. The ( other ) complaint which is this one being generated ( an addendum ) to the original XXXX. Is I sent a family member {$5.00}. It never made it to their account. Cashapp said its because they needed to create a new account however this person still has their original account access and card. Cashapp told me to request an official reimbursement I did so ( please see attachment ). They have yet to reimburse the {$5.00} I sent to a family member as well. I requested they the manager cease communication with me via email as he was unable to mail me out my redesigned ( {$5.00} card ) expeditiously without me having to wait another 14 days which would total 42 days with no promise of actually receiving my card. Also because they have bee n unable to reimburse me the {$5.00} I sent to a family member. Important exchanges ( screenshots ) are attached. Which includes the original complaint filed under email : XXXX. This is imperative as not having access to my funds has caused me to fall behind/short on important bills such as my rent and feeding my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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:
n accordance with the Fair Credit Reporting act XX/XX/XXXX Account # XXXX XXXX US Dept of Education,XX/XX/XXXX # XXXX, XXXXXX/XX/XXXXl # XXXX, XXXX and XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XX/XX/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 a account without my written instructions US Dept of

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