vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-01 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: KS

Complaint narrative:
( 1. ) After a second review of my Experian credit report I've found these Hard Inquiry which I did not consent to : Please be advised these are not " Statement Of Fact '' .. FCRA Rules state that any information can be disputed and must be investigated. Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission. 15 USC 1681b [ C ] [ 3 ] ( 2 ) INFORMATION REGARDING INQUIRIES Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 15 USC 1681s-2 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

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. 

1 ) XXXX XXXX : Account # : XXXX 2 ) XXXX  XXXX XXXX : Account # : XXXX 3 XXXX XXXX XXXX XXXX : Account # : XXXX 4 ) XXXX XXXXXXXX : Account # : XXXX 5 ) XXXX XXXX  : Account # : XXXX 6 ) XXXX XXXX  : Account # : XXXX 7 ) XXXX XXXX  : Account # : XXXX XXXX ) XXXX : Account # : XXXX XXXX ) XXXX XXXX : Account # : XXXX 10 ) XXXX  : Account # : XXXX 11 ) US DEPT OF EDXXXX : Account XXXX : XXXX These above accounts have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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:
This inquiries were unauthorized and my identity was compromised. I asked for validation from Equifax but it was validated with no information given. Here is the list of inquiries I would like removed XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
XXXX was owed XXXX by XXXX XXXX XXXX  as a benefit to me during XXXX. XXXX XXXX  of XXXX XXXX paid  XXXX XXXX directly. Diversified Adjustment Service , Inc. never alerted me in writing by phone or by email that they were intending to collect a debt. Had they alerted me I could have provided to them proof that the XXXX was indeed paid in full and there is a XXXX balance. Diversified has listed this on my credit report WITHOUT any notice whatsoever to me which has negatively affected my excellent credit standing. I only found out that this item was added to my credit report after applying for a loan and being denied. XXXX provided my credit report and I have disputed the debt as it is indeed paid and should never have been placed on my report I would like the collection removed in its entirety from my credit profile on all bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XX/XX/XXXX - I received postal notification for collection of debt from XXXX XXXX XXXX ( c/o XXXX XXXX XXXX XXXX for {$3500.00}, account # XXXX. 

Per my XXXX credit report this account was opened on XX/XX/XXXX. 

XX/XX/XXXX - I contacted XXXX XXXX XXXX to dispute inaccurate reporting of debt to the XXXX credit bureaus ( XXXX, Trans Union, and XXXX ). 

XX/XX/XXXX - A debt collection of {$3500.00} was placed on my credit reports with all three credit bureaus ( XXXX, XXXX, & TransUnion ). 

XX/XX/XXXX I disputed the collection of debt for {$3500.00} with XXXX XXXX XXXX on XX/XX/XXXX with all three credit bureaus asking each credit bureaus ( XXXX, XXXX, & TransUnion ) to complete a thorough research to verify if debt belonged to me. 

XX/XX/XXXX I completed thorough research of the debt and found improper inaccuracies with my credit report concerning XXXX XXXX XXXX. 

XX/XX/XXXX XXXX Credit Bureau notified me they could not verify the debt as accurate and deleted XXXX XXXX XXXX from my credit report. 

XX/XX/XXXX XXXX Credit Bureau notified me they could not verify the debt as accurate and deleted XXXX XXXX XXXX from my credit report. 

XX/XX/XXXX TransUnion Credit Bureau notified me the verification of debt as accurate and XXXX XXXX XXXX remains on my credit report in collection for {$3500.00}. 


In accordance with the Fair Credit Reporting Act, 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, states A consumer reporting agency can not furnish an account without my written instruction.

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 2022-10-01 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:
Under the The FCRA, 15 U.S.C. 1681 et seq., enacted in 1970, I disputed my credit report in XXXX with Experian several times since Bankruptcy discharge. Aware the XXXX  XXXX stays on my report for 10 years as a Public Record. Fact Experian discloses on my report accounts included in the bankruptcy as 'Potentially Negative ' to creditors is damaging. Discharged account has a zero balance, owe nothing. For Experian to list late payments on the account once discharged allows a creditor to deny me once viewing ex : late 90 days, 120 days, etc. on three accounts within the Discharged XXXX XXXX. 
Creditor is allowed by law to see Bankruptcy as a public record, but to have the right to view it in detail discriminates me, breaking my consumer rights.

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 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I opened an Amex XXXX XXXX card in XX/XX/2022. As a part of opening the card, there was a promotion of XXXX skymiles points if XXXX or XXXX $ was spent within the first XXXX months. I used the card to make a $ XXXX purchase within the first XXXX days. I called to confirm that I had reached the terms of the promotion and to ask when I would receive the skymiles points. I was informed that I had achieved the required terms and that I would receive the Skymiles points after XXXX months or XXXX statement cycles. After that conversation, I called to inquire about closing my XXXX Amex gold card. I asked if there would be any issues with the points on the XXXX card or the XXXX card. I was told no issues and continued with closing the Amex XXXX gold card. Today XX/XX/2022, I called to inquire about the promotional Amex XXXX XXXX card points that I was told I would receive after the XXXX cycles/months. I was informed that since I closed the gold card within the XXXX months/cycles that it had voided the terms of the promotional offer. The terms of the offer that were cited are the following : " Welcome offer not available to applicants who have or have had this or previous versions of this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. ". I told the representative that I was misled and that the wording in the terms was very vague. I asked to talk with a manager and was told that I was talking to the equivalent of a manager. The issue was not rectified during the call and I submitting this to ensure that the issue is appropriately investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
accordance with the Fair Credit reporting act 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 It 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 2022-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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. 
Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Numerous unnecessary overdraft fees, from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I had an account with XXXX XXXX for 2 data lines. I had canceled the lines due to lack of use. XXXX XXXX agreed and credited back my last bill due to no usage. They then billed me for 2 more months after cancelation. 

They have since turned it over to XXXX a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I sent documentation the XXXX to remove items listed below from my credit report due to them being fraudulent accounts. XXXX claimed the accounts were valid, but after further investigation they are non-valid accounts and should have been removed. I sent another dispute letter along with my driver 's license and an FTC XXXX to XXXX on XX/XX/2022 to have the items removed to no avail. In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, And XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/22 I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, these accounts is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit profile and score. 


Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX I have previously requested that you investigate this information above and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Account name : XXXXXXXX XXXX Account number : XXXX The account number above have previously requested that you investigate this information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from my credit report. 


Account name : XXXX XXXX Account number : XXXX The account number above have previously requested thatyouinvestigatethis information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from XXXX report. 


Account name : XXXX Account number : XXXX The account number above have previously requested thatyouinvestigatethis information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from XXXX report. 

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 so 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.

i did not give anyone 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. 

Also the credit bureau took more then 30 days to complete my investigation here is my certified mail tracking # XXXX made a complaint to my attorney general : Intake # XXXX Made a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX : case number XXXX Made a complaint to the federal trade commission ( FTC ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
accordance with the Fair Credit reporting act 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 It 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 2022-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Santander Consumer offered me a payout because the car I purchased had a recall and they were suppose to close out my account, perhaps the account is still active on my credit and it should have been closed years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
After reviewing my TransUnion credit report side by side with XXXX XXXX XXXX I've multiple inconsistencies and inaccuracies with the TransUnion reporting. I am demanding TransUnion remove this account immediately. 

Pursuant to : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

I also believe TransUnion is guilty of [ 15 U.S.C. 1681n ] 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 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want this account deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from 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 2022-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
XXXX sold this account to 2 different collection agencies and the debt is not mines and now its on my credit report as a duplicate account source receivables and receiveables performance for the same amount of XXXX neither of the accounts belong to me. They just dropped my score XXXX points I want this removed immediately.

Company response to consumer: Closed with explanation