vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-22 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 Report Act XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Based on my knowledge I don't owe this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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:
I have 3 bankruptcies on my credit report and over 115 inquiries on each report due to identify theft. 
Transunion experience, eqifax, XXXX and l i, i did not disclose any personal information to these companies for any reason, nor did the bankruptcy court or my attorney. We sent letters of expungement from the courts on XX/XX/2023 for them to be taken of my credit report all companies have failed to do so. They are violating my rights as a consumer, And under FCRA. Can you someone please reach out to these companies Transunion XXXX XXXX XXXX XXXX And have them to remove all 3 bankruptcies off of my credit report XXXX  XXXX XXXX  XXXX XXXX  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 2023-04-22 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 Report Act XXXX, Account:XXXX, Creditor : 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 an account without my written instructions. 
Based on my knowledge I don't owe this creditor

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 2023-04-22 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: First Federal Credit Control, Inc.
State: FL

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

Based on my knowledge I don't owe this creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX account for {$1300.00} now sold to XXXX XXXX XXXX This account was opened fraudulently. I have already disputed and had this account removed previously for identity theft. It has been sold to another company and placed back on my report. It needs to be remove

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 2023-04-22 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: PA

Complaint narrative:
I am a natural person, I am a living human being, i have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. i demand the accounts below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX Account number XXXX Balance {$130.00} XXXX XXXX XXXX Account Number XXXX Balance {$58.00} XXXX XXXX XXXX Account Number XXXX Balance {$50.00} XXXX XXXX Account Number XXXX Balance {$57.00} XXXX XXXX XXXX Account number XXXX Balance {$0.00} XXXX XXXX XXXX Account Number XXXX Balance {$0.00} ( Shows wrong report dates )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
In response to the letter, your company sent a pile of statement received from the creditor as proof that I was credited for the alleged transaction. Further, the creditor reported this on my consumer report as " charge off ''. It means the creditor will no longer attempt to collect this alleged debt owned by them. Therefore, pursuant to my rights, I approached the creditor and asked the following questions. 1. Have they sold this alleged debt? 2. To whom is the alleged debt sold to? 3. Are they still in the process of collecting the debt? Through the response received from the creditor, I would like to inform Transworld Systems Inc. has violated 15USC 1692j ( a ) because Transworld Systems , Inc. furnished a deceptive form to create a false belief in me as a consumer that the " creditor '' was attempting to collect the debt but in reality, it was not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive been part of the Equifax data breech. Ive been trying to fix this situation since XXXX of 2022. I have contact Equifax about this situation. I sign into there website to find out if I have been impacted I put my info in and I have been. I reached out to Equifax and they claim I have not been. I have the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX account for {$1300.00} now sold to XXXX XXXX XXXX This account was opened fraudulently. I have already disputed and had this account removed previously for identity theft. It has been sold to another company and placed back on my report. It needs to be remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX account for {$1300.00} now sold to XXXX XXXX XXXX This account was opened fraudulently. I have already disputed and had this account removed previously for identity theft. It has been sold to another company and placed back on my report. It needs to be remove

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 2023-04-22 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: DE

Complaint narrative:
XXXX XXXX has reported on credit report a debt from XX/XX/XXXX. This was previously reported and deleted XXXX, and XXXX. I contacted main line fertility spoke with XXXX at XXXX. Per XXXX there is no record of debt owed from XXXX. Per XXXX collection activity was started and sent to XXXX collection on or around XXXX as this debt was incurred XXXX. The company has falsified dates. I have disputed with the XXXX bureaus. XXXX has removed and has not allowed this to be reported again as it is too old to be reported. This debt is well over seven years old and the collection company can not change the date to continue to report negatively on 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 2023-04-22 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:
I looked up my credit with experian and they have 3 bankruptcies reporting on my credit report. I reached out sent expungement letter from the bankruptcy court XX/XX/2023 to remove the actions off. I have not gotten a response they have not been removed nor the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: NY

Complaint narrative:
I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over XXXX days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

These are the accounts and their account numbers : XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX Please remove it from my credit report. 

XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account XXXX XXXX XXXX Account number-XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX  Account number- XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX. Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number-XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXXXXXX Account number- XXXX 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.

15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Based knowledge, I don't owe this debt collector.

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 2023-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: LA

Complaint narrative:
I was laid off XX/XX/XXXX, filed with XXXX for forbearance and was told that monthly payments would be put to the end of my loan so when the forbearance was over that my monthly payment would be lowered and that the that amount would be added to the end of my loan. During the forbearance my loan was transferred over to Flagstar Bank. Since The forbearance has ended in XX/XX/XXXX, have a job and get paid XXXX weekly and my wife XXXX a month chilld support. We can not loose our home we are a family of XXXX. We would like for our forbearance to be added to the end of the loan as promised.

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 2023-04-22 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:
I looked up my credit with experian and they have 3 bankruptcies reporting on my credit report. I reached out sent expungement letter from the bankruptcy court XX/XX/2023 to remove the actions off. I have not gotten a response they have not been removed nor the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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 Report Act XXXX Account: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 an account without my written instructions.

This account is fraudulent account, I do not open account with this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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 Report Act XXXX, Account: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 an account without my written instructions. 
This account is fraudulent account, I do not open account with this creditor.

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 2023-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am disputing the following Unauthorized transaction on Paypal Account, XXXX : XXXX XXXX XXXX XXXX - {$35.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$35.00} Sent by XXXX, Transaction ID XXXX XXXX XXXX XXXX XXXX - {$34.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$34.00} Sent by XXXX, Transaction ID XXXX XXXX XXXX XXXX XXXX - {$23.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$23.00} Sent by XXXX, Transaction ID XXXX I did not purchase anything from from XXXX XXXX nor have I recieved anything form XXXX XXXX These are Unauthorized Transactions and I am also contacting PAYPAL and making a claim with them as well. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX XXXX Creditor : 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 an account without my written instructions.

Based on my knowledge, I don't owe this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I applied and received Chase Bank 's co branded with Marriot credit card- Chase Marriot XXXX XXXX Credit Card with a welcome promotion of 3 reward nights if I spend {$3000.00} in the first three months. This card charges {$95.00} annual fees. I have spent the minimum amount almost 6 months ago and I have not yet received my welcome bonus. I have spent the last 6 months on calls with customer service- both Chase and Marriot and not received any response so far. Every time I call, the only response I ever get is to call back in 10 to 15 days. I spend almost an hour every call but with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: TX

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. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX 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 2023-04-22 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: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, XXXX, FOCUS FINANCIAL SERVICES , has violated my rights. 
1

5 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. 
This account reported twice on XXXX, and based on my knowledge I don't owe this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
Hello, National Credit System has not responded to my certified letter that was sent on XX/XX/XXXX. They continue to change the debt amount on my credit reports but have not replied back to my certified letter providing proof of the debt owed. 

XXXX. XX/XX/XXXX - National Credit System was added to XXXX, XXXX, and XXXX for the amount {$4800.00} XXXX. XX/XX/XXXX - National Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Increased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Decreased by {$1.00} ) XXXX Credit bureau XXXX to report that National XXXX XXXX XXXX added to XXXX XXXX XXXX XXXX and XXXX for the amount {$4800.00} sometime between XXXX ( Increased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Decreased by {$1.00} ) XXXX. XX/XX/XXXX - XXXXational Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Increased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Decreased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System was added to XXXX, XXXX, and XXXX for the amount {$4800.00} ( increased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System was added to XXXX, XXXX, and XXXX for the amount {$4800.00} ( Decreased by {$1.00} )

Company response to consumer: Closed with explanation