vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 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: MA

Complaint narrative:
On XX/XX/XXXX I contacted XXXX about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$770.00} ), XXXXXXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3900.00} ), XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and XXXX havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-02-13 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.

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 2023-02-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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:
XXXX XXXX ACCT # XXXX Date Opened : XX/XX/2020 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

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 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 2023-02-13 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: Aldous & Associates, PLLC
State: FL

Complaint narrative:
To whom it may concern, your company acting as a debt collector such as ALDOUS AND ASSOCIATES, PLLC reporting negative information to my credit file without my lawful consent. However, your company has violated the Fair Debt Collection Practices Act ( FDCPA ) according to 15 U.S.Code 1692e ( 1 ) the false representation or implication that the debt collector is vouched for, bonded by, or affilited with the United States or any state, including the use of any badge, uniform, or facsimile thereof. The false representation of the character, amount, or legal status of any debt. Therefore, I DEMAND your company to cease and desist all communications with any affiliated third party without my consent of nonpublic information. Best Regards, Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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:
XXXX XXXX XXXX ACCT # XXXX Date Opened : XX/XX/2015 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

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 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 2023-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
This is my attempt to attach email communication in reference to my complaint regarding the refinance of my home at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: FL

Complaint narrative:
{ RE : Second Chance To Cure You Violated The United States Code Law XXXX code 1681b - Permissible purposes of consumer reports 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. 
Infringed upon my right to privacy. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. 
As per the Fair Credit Reporting Act of 1970, I am requesting that when responding to this dispute, you show the Method Of Verification you have used in determining the accuracy of the above-listed information. I do not consent to the use of E-Oscar as a verification method.

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 2023-02-13 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:
XXXX XXXX XXXX ACCT # XXXX Date Opened : XX/XX/2021 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

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 an account without my written instructions.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

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 2023-02-13 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:
XXXX XXXXXXXX ACCT # XXXX Date Opened : XX/XX/2022 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

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 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 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I am in XXXX XXXXXXXX XXXX for the past 2 years. 

Due to limited internet access, I have not been able to manage my account properly. 

I would like my interest to be refunded through my conversation with customer service conversation representative with American Express. I have paid all my outstanding balance. 

I would also like my account be restored, since I have been with American Express for the past 5 years ( since 2018 ). 

I would also like to have my negative impact on my credit report to be removed. 

Please find my current contact below : phone : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX contact through Email

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: MA

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$770.00} ), XXXXXXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$3900.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently noticed that Experian had added an ( AKA ) name, XXXX XXXX XXXX, I am not now nor have I ever been XXXX XXXX XXXX. I have never been known or called anything other than my name which is XXXX XXXX XXXX, short for XXXX XXXX XXXX. Rather than back up or prove their erroneous action they insist I prove my innocence. Exactly how does one prove they have never gone by a different middle name? This is absolutely ridiculous

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 2023-02-13 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: NY

Complaint narrative:
As per FCRA section 609 605 and 623 Please provide record of consent for this inquiry and record of accuracy. If unable to validate or provide written records I expect removal of this inquiry immediately.

I've sent letters stating this issue for about two months straight Experian have not answered my request XX/XX/XXXX & XX/XX/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 2023-02-13 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: NY

Complaint narrative:
As per FCRA section 609 605 and 623 Please provide record of consent for this inquiry and record of accuracy. If unable to validate or provide written records I expect removal of this inquiry immediately. 
I've sent letters stating this issue for about two months straight Experian have not answered my request XX/XX/XXXX & XX/XX/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 2023-02-13 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: DE

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: DE

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
I was scammed by an investment scam company called XXXX. 

I invested a total of XXXX as XXXX onto the trading platform XXXX over a period of time beginning in mid-XXXX XXXX 

With the advice of my " mentor '' XXXX, I made trades about every 2 weeks. Either short or long trades. Depending on the info provided by XXXX XXXX uncle, who supervises a technical analysis firm in XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 

He mentored his niece, she mentored me. I had built up assets totaling XXXX XXXX XXXX. The trading cycle had ended. I was withdrawing the full amount to transfer to my Kraken wallet. The transfer was not successful. I didn't know why. 

XXXX said to write to customer service. I did, and they replied that my account was " abnormal '', and that I would need to pay an additional 20 % fee to unfreeze the funds. 

Both the principal and the fee would be released upon receipt of the additional 20 %. I said : " XXXX, what is this? She said : " Oh, yes, I had to pay 20 % fee to withdraw a similar large amount the first time from XXXX. So did my uncle. '' I said : " Why didn't you forewarn me? '' I do not have XXXX in disposable income to pay the fee. XXXX did not have liquid funds to help me out. Her funds were still tied up in some trading account. 

I absolutely will not take from my remaining retirement funds to pay this. I need what's left. I am okay, but no further reduction is possible. 

XXXX suggests I write customer service back, asking for a deadline extension ( beyond XX/XX/XXXX, which is seven days from the freeze ), pay some now, and pay the remainder before the deadline extension. I explained to her this will not happen. I don't have the funds. 

This is where I'm at. I have written off the XXXX in my mind. There is no crypto court or law to complain to. I can only write back to customer Service, but I don't even know what I would say at this point. 

I contacted the institutions involved in my case. Namely my bank, the beneficiaries of my money, the police... I am now seeking help from you. 

I primarily hold responsibility against my bank and the beneficiaries, namely Payward Ventures INC doing business as Kraken, which is why I'm addressing you. 

Please assist me with recovering some of my money.

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 2023-02-13 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: DE

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-13 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:
Equifax has constantly over the years continued to post on my report, after I told them not to, and also informed them that they did not have a written signature. They constantly refused to take anything down and even chose to do the E-Oscar method of verification after I told them I don't consent I have constantly gotten attitude and disrespect and I always let the know they are in violation of my rights as a Consumer per 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation.

Infringed upon my right of privacy. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without a permissible purpose. The matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-13 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-13 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: Bridgecrest Acceptance Corporation
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act BRIDGECREST Account # XXXX, XXXX XXXX, XXXX 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 for any purpose.

Company response to consumer: Closed with explanation