vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-12 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
BASED ON 15U.S CODE 1681A, TD BANK USE INFORMATION ON XX/XX/2017 AND XX/XX/2017 WITHOUT MY WRITTEN CONSENT I HAVE ASK THEM NUMEROUS TIMES TO REMOVE LATE PAYMENTS FROM MY CREDIT REPORT BUT THEY CONTINUE TO BREAK CONSUMER LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: Credit Karma, LLC
State: OR

Complaint narrative:
Credit Karma sent an email stating that my " XXXX credit score went down. '' See attached. I logged in to my Credit KarmXXXX account and noted that my score had dropped approx XXXX points and Credit Karma wanted me to " make a payment before XX/XX/XXXX. '' See attached. I immediately contacted the retailer from which I made an online purchase on XX/XX/XXXX. The retailer, XXXX, authorized the purchase on my XXXX account that date. The retailer notified me the items were available for pickup at the local XXXX store in XXXX, Oregon, on XX/XX/XXXX. I picked up the purchase. The closing date of my XXXX account billing is the second day of the month. Previously had a XXXX balance. The current purchase of {$150.00} was billed this cycle. The payment IS NOT DUE UNTIL XX/XX/XXXX. That's right. XX/XX/XXXX. TODAY is only XX/XX/XXXX. That's right. XX/XX/XXXX. I pointed this out to the XXXX XXXX Department supervisor " XXXX '' ( ID No. XXXX ) who agreed the account was completely current and he agreed to look into how any negative information from XXXX may have been given to XXXX or XXXX 's " usual '' reporting agency, XXXX, to lower my score, as XXXX has NO adverse credit information on me including no late payments EVER - had this account since XXXX -- XXXX years. Could not contact Credit Karma, no phone or email given for contacting Credit Karma on its website. XXXX and Credit Karma are apparently is trying to fraudulently lure people into making credit card payments via the Credit Karma website with scaring people via a false claim that their " credit score has gone down '' WHEN THERE IS NO ADVERSE CREDIT INFORMATION WHATSOEVER. XXXX agreed to contact XXXX and XXXX and send me a letter confirming my credit is PERFECT and lowering my score ( from previous checking, it was lowered by approximately XXXX points ) without any reason to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the fair Credit Reporting Act XXXX  account # XXXX and account # XXXX 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 also states that 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 2022-05-12 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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:
In accordance with the fair Credit Reporting act XXXX account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction Please remove these accounts 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 XXXXXXXX  XXXX In accordance with the Fair Credit reporting Act XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy 15 USC 1681 section 602 A states I have a right to privacy These addresses do not belong on my credit report Please delete all inaccurate personal information XXXX XXXX XXXX Former XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX Also Known As XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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:
In accordance with the fair Credit Reporting act XXXX account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction Please remove these accounts XXXX XXXX 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 In accordance with the Fair Credit reporting Act Experian, XXXX, XXXX has XXXX my XXXX protected consumer rights to privacy 15 USC 1681 section 602 A states I have a right to privacy These addresses do not belong on my credit report Please delete all inaccurate personal information XXXX XXXX XXXX Former XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX Former XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX FL 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 2022-05-12 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: GA

Complaint narrative:
This collection was reported in error. The collection agency sent a letter to all 3 credit bureaus informing them to remove the account from reporting on my credit files in XXXX. XXXX and XXXX removed the account. Equifax has not. I called the company and they informed me they notified Equifax to remove the account from reporting. Equifax is failing to comply with the letter attached. This was sent 5 months ago and is now affecting my ability to borrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account Target and XXXX XXXX have violented 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 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: Bread Financial Holdings, Inc.
State: VA

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 XXXX XXXX XXXX. 

XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX COMENITY CAPITAL BANK 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 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 2022-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has violated my rights 15 USC 1681 s. 602, 15 USC 1681 s. 604A ( 2 ), and 15 USC 1666B I have the right to privacy, a consumer reporting agency can not furnish account without my written instructions, a creditor may not treat a payment on a credit card account under an open-end consumer credit i plans as late for 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 2022-05-12 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: IL

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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-12 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: IL

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 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 2022-05-12 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: SC

Complaint narrative:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also I have attached the letter I sent out and the tracking numbers are listed in the added evidence According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.Im not sure if the bureaus Transunion XXXX or XXXX have their own interpretation of the law but there are standard operating procedures used to verify information and it wasnt properly done because as you can see there are still many inconsistencies within my report see attached documents for highlighted items. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report Listed in the attached documentation lists violations and items that need to be deleted because they are reporting inaccurate across all three bureaus.

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 2022-05-12 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: SC

Complaint narrative:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also I have attached the letter I sent out and the tracking numbers are listed in the added evidence According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.Im not sure if the bureaus XXXX XXXX or Experian have their own interpretation of the law but there are standard operating procedures used to verify information and it wasnt properly done because as you can see there are still many inconsistencies within my report see attached documents for highlighted items. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report Listed in the attached documentation lists violations and items that need to be deleted because they are reporting inaccurate across all three bureaus.

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 2022-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I asked the company AR Resources Inc. to validate a debt they were trying to collect and they sent me personal information that they should not have, They gave me a form showing the hospital name and location, services provided, the XXXX name, account number, as well as date of service and amount charged for service. I filed a complaint with U.S. Department for health and human services as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: OH

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, the payment history is inaccurate, and date last reported is not accurate, there are so many errors on my credit report & they also violated my rights under 15 U.S.C. 1681 602 A. State I have the right to privacy. 

15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have attached my credit report with all the inaccurate errors thats currently being report by all three ( 3 ) credit bureaus as proof.

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 2022-05-12 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: OH

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, the payment history is inaccurate, and date last reported is not accurate, there are so many errors on my credit report & they also violated my rights under 15 U.S.C. 1681 602 A. State I have the right to privacy.

15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have attached my credit report with all the inaccurate errors thats currently being report by all three ( 3 ) credit bureaus as proof.

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 explanation
Consumer complaint received 2022-05-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I contacted Equifax multiple times to get my name updated & my address they have address on my account that are not mine I faxed my drivers license Marriage certificate & W2 to XXXX the fax number they provided I spend time & gas to fax from the UPS store & Equifax keeps telling me to refax it I have proof it was faxed date & time stamped I can attach copies. They are causing me to get denied for a home I need to rent because the house I'm living is is being sold. I spend hours on the phone with them not getting help. I'm beyond frustrated as this is affecting my life & my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
Please be advise i have debt on my credit report which couple time i complain to XXXX XXXX and told them was in XXXXXXXX XXXX XXXX XXXX  THERE sent me letter that this was settle. The promblem is continal backs alot of crdit cards. But the collection co TRIDENT ASSET MGR I send the letters and phone calls, AND if you go on there web site you see that alot people has the same problem. and call them you only get a voice mail and no get back to you. Plus i never got a collecton letter from them. 

thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Used XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax has violated my rights. 

15 U.S. Code 1681 section 602 a. clearly states that I have the right to privacy.

15 U.S. Code 1681 section 604 a. ( section 2 ) clearly states a consumer reporting agency can not furnish an account without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I made an attempt to make a 2nd money transfer today, but the teller at Western Union told me that she could not allow me to send more money because on XX/XX/22 I made a wire transfer to my mother XXXX XXXX XXXX $ XXXX tracking # : XXXX. She told me that people don't usually have that kind of money to be sending over $ XXXX in such a short peiod of time. Who is she to question me if I work XXXX Who is she to ask me for proof of how I make money or my source of income when I felt discriminated because I do not speak english and I was dressed in my XXXX XXXX  clothes. I felt discriminated due to my race and/or nationality.

Company response to consumer: Closed with explanation