vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-17 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX 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 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 2022-06-17 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting actXXXX XXXX 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 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 2022-06-17 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. XXXX 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 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 2022-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
The company is called LVNV Funding LLC who claims to also be another company. They are sharing personal and privacy information with another third company without and authorization. Third company is supposedly called XXXX XXXX? XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX spoke with XXXX who caims hes not violating any laws. My personal information is just that and not permitted or authorized to be shared with anyone. XXXX agreed to accept a settlement amount verbally on a supposedly recorded line then reneged of {$250.00} in two equal installments beginning in XX/XX/2022 and commencing in XX/XX/2022 and then insisted on having me give a stranger critical payment information without knowing if he's legitimate. Payments need to be able to be made on a secure website and not to a person who is a stranger. I want the information to stop be shared and compensation for the breach of my privacy from LVNV Funding. Additionally the agreement for settlement can not be agreed upon and then reneged by XXXX after he decides to not provide a secure type of method for payment of the originally agreed upon settlement. My address is XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts from my credit report immediately.

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 2022-06-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts from my credit report immediately.

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 2022-06-17 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:
ATLDISCORP - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX FINANCIAL Auto Financing XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Auto XXXX, New XX/XX/2022 Experian CAPITAL XXXX AUTO FIN Auto Financing XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX FIELDSASHL - XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX OF XXXX Auto XXXX, Used XX/XX/2022 XXXX XXXX XXXX XXXX Auto XXXX XX/XX/2022 XXXX XXXX FINANCIAL Auto Financing XX/XX/2022 XXXX GLOBAL LENDING SERVICE Auto Financing XX/XX/2022 XXXX XXXX OF XXXX Auto Dealers, New XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Finance XX/XX/2022 XXXX XXXX XXXX Auto XXXX XXXX XXXX XX/XX/2022 Experian CAPITAL XXXX AUTO XXXX Auto Financing XX/XX/2022 XXXX XXXX XXXX Auto Dealers, New XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX FIELDS XXXX Auto Dealers, New XX/XX/2022 XXXX XXXX OF XXXX Miscellaneous Automotive XX/XX/2022 XXXX XXXX OF XXXX Auto Dealers XXXX New XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX CRE Auto Financing XX/XX/2022 XXXX XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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:
The following accounts were reported as late ; XXXX  XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX According to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I did not receive this aforesaid letter and as a direct result i would like the late payment to be updated on my credit file.

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 2022-06-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 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 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: CA

Complaint narrative:
Dismissed cases XX/XX/XXXX - XXXX XX/XX/XXXX- XXXX  XX/XX/XXXX- XXXX All claimed charges against me have been dismissed through court of law. Dispositions were in pending status when all reports were ran and has detrimentally impacted my life. 
The Officer is not the final adjudicator in Legal matters and the report that Checkr has distributed to these companies has impacted my life. I asked all 3 agents in whom I spoke working for Checkr to please pull an accurate report ( Now - XXXX ) and report it to the companies involved XXXX XXXX No action has been done on Checkr 's part to correct my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have multiple transactions I disputed with Wells Fargo and they told me to wait 10 business days. I have waited over that period and the money is still not credited to my account, further they said I withdrew the claim ( I did not ) and that I am unable to open another one until this is processed and they can not give me an estimated timeline. The amount for this claim is {$1000.00}. The claim number is XXXX. 

Further the companies charged me on XX/XX/XXXX and XX/XX/XXXX for over {$700.00}. 

I have a XXXX XXXX XXXX child and this is over {$1700.00} I have been trying to work with Wells Fargo for 2 weeks.

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 2022-06-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Creditor Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/18 XXXX XXXX Code XXXX - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such statement. 

( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 

( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 

( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 

( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 

( XXXX ) Any other error described in regulations of the 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 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Experian has violated my rights.

15 U.S.C 1681 Section 602 A states I have the right to privacy, Experian is reporting incorrect addresses, as well as old addresses that I no longer have access to the mailbox. These actions are potentially putting me at risk of being a victim of identity 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 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act there are several accounts attached that 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 an account without my written consent.

15 U.S.C 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.

I havent given anyone written permission to furnish these accounts on 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 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2022-06-17 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: AR

Complaint narrative:
On XXXX, I checked my credit report and noticed inaccurate information reporting, so I wrote dispute letters to Transunion, XXXX and XXXX explaining the inaccuracies of the accounts reporting. They sent me letters stating the accounts were verified. I asked them to send me proof of them being verified or remove them because they were reporting differently between all 3 bureaus and they have failed to do so. I've been disputing for 6 months with no results, so I've decided to file this complaint. Because of the inaccurate reporting of these negative accounts, I have been denied credit and it has prevented me from moving into a new house. I would like you all to please investigate this matter. The following accounts that are reporting inaccurately on my Transunion report is : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account that was removed and then reinserted later on XXXX ), XXXX, and XXXX XXXX XXXX. The following accounts that are reporting inaccurately on my XXXX report are : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inaccurate accounts reporting on my XXXX report are XXXX XXXX, XXXX ( both showing as installment accounts when they aren't ), XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-06-17 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act, USDOEXXXX, 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.

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 2022-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I watch many XXXX bloggers and have participated numerous times in contests and have won. However, on XX/XX/12, while watching a XXXX XXXX, XXXX, received a message from someone posing as her, telling me that I was the winner of an IPad for comment and supporting her blog. She then asked me to respond to her on XXXX. The message had her picture. I did this. Then they asked me to show where the message said I won, which I did, then asked if I would pay shipping, which I agreed. They said they accept PayPal, Venmo etc, so I agreed to PayPal. PayPal refuses to investigate or open a fraud case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-06-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-06-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Credit Card XXXX has violated my rights. 

XXXX XXXX. XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX. XXXX section XXXX A Section XXXX : 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 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022, I went to change the last name on my Bank of America accounts to my married name. My name has already been updated with social security and through the State of XXXX. I have a social security card and driver license with the new name, plus an imaged copy of my marriage certificate. The original marriage certificate is with the passport office so a new passport may be issued. I will not receive the original certificate back for several weeks. Bank of America will not update the name on my account without the original marriage certificate, despite my legal identification documents showing the new name. This goes above and beyond what is required for a Customer Identification Program under the Patriot Act Based on a XX/XX/2022 press release issued by the CFPB discussing unfair discrimination in consumer finance ( https : //www.consumerfinance.gov/about-us/newsroom/cfpb-targets-unfair-discrimination-in-consumer-finance/ ), I believe Bank of America 's practice to require a marriage certificate for a name change treats women unfairly based on sex and familial status.

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 2022-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a yearly problem with Kohls and their store credit card bank. 
Simply put Every year they send me massive amounts of e-mails trying to get me to go paperless and to increase my limits. Almost, if not to the point of stocking or harassments. And I've been a customer for more than a decade. 
As far as I can remember I have never been late with a payment. 
But still every year in XXXX or around this time they always loose or claim that my payment was never received. And usually being strong-armed into paying the fees and having my interest jacked up, the payment magically shows up as cashed by my bank, and them taking even more money. The is this years XXXX billing occurrence. Please see my attachments ; which show my bank register payments and the corp. letter I sent. and the Kohl 's 30 day to respond letter ; which, they do NOT abide by and had already charged the fees and interest hike XXXX  days after they mailed the letter. 
Thank you

Company response to consumer: Closed with monetary relief