vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-15 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Over the past nine months, I have attempted to resolve the disparity that is reported for the various accounts below. 

XXXXXXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX XXXXXXXX : # XXXX The information has not been verified and no original documentation has been shared with me for verification. The reporting balance, account closing date, and monthly payment history all report different information among the three bureau agencies. 

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 2022-10-15 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: GA

Complaint narrative:
As i have looked at my report for years i continue to see incorrect information on my credit. This misrepresentaion has caused my family and I to be denied credit from multiple institutions. Equifax which is widely known for there bad business practices continually gets away with not being held accountable by the CFPB or any other agency that should protect the rights of consumers. 

Again this account should be removed immediately from my file. I have sent several disputes to Equifax without any results of what I have asked for. If the CFPB is not going to hold the credit bureaus accountable, why does it exist? 

Please review the incorrect information amd remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Going through my credit recently, I seen some addresses that does not belong to me.

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 2022-10-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Going through my credit recently, I seen some addresses that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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. 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 XXXXXXXX : # 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 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 explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a personal statement on my experion account that appeared today and its using my old phone number.

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Financial Inc.
State: NC

Complaint narrative:
I was accepted to have my payment extended and closed Due to family emergencies. My father passed away and my mother needed lots of financial helped. Someone at the time said they understood and would work everything out. Long story short the first late report was a scam because I asked and was approved for an extension! I called and tried explaining it was an error on their part and they act like they didn't know. So I told them I wanted my account cancelled and they said ok. Now looking at my account its under XXXX and I have 3 false late payments I NEED THEM REMOVED ILL BE HOMELESS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CCS collection XXXX Highest Balance {$93.00} Opened XXXX. XXXXXXXX XXXX ( 4 mos ) Account status Closed Type Paid Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXXXXXX XXXX XXXX Closed : XXXX XXXX, XXXX After telling this collection agency several times that I did not owe a bill they still proceeded to put this on my credit report from XXXX XXXX, I contacted XXXX they informed me that they gave the CCS credit company updated information for them not to report this information. I also received a refund from XXXX for the mixup. I explain this to the Ccs credit company but instead of them removing it off of my credit report they updated it instead of deleting it. I have went on all reports and asked for a deletion still remains updated. I have voice to CCS that I am in the process of trying to get a loan for a home and they refused to delete wrong information.. it is marked as paid I never paid anything that I did not owe!!! It needs to be deleted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: GA

Complaint narrative:
Company- EXPERIAN ; Called and was stated to file complaint with FTC .

Fraudulent Inquiries : -XXXX XXXX  XX/XX/2022 -XXXX XXXXXX/XX/2022 -XXXX XXXX XXXX XXXX XXXX XX/XX/2022

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 2022-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Ive been trying to dispute this account through National Credit System since its on my credit report. I have never receive any notice from the apartments thats I used to live that I owe anything. I was never late on rent and left in good terms. Contract was never broken and the 3 months were given before we move out in XX/XX/2018. Ive been trying to dispute this and this company keep denying stating is my account and all the information is accurate but they dont have anything to prove its mine. I contacted this apartment complex but they sold it 3 yrs ago and name have change and they dont know who previous owners are. I send through mail a letter to National Credit System requesting information about this account and I havent receive any response back. I also call and request information to be email or send my mail and the lady told me they dont have anything to prove this account was mine. I request to speak to a supervisor and she told me she was busy that she will call me back and till this date Nobody have call me back. I keep disputing this and it keeps getting reject it. If they dont even have anything to prove this account is mine and there is no way to get in touch with those apartments owners how Im supposed to pay for something that not even they know if is mine or not. My credit shows were they report my payments as excellent never late so how I owe anything. We left un good terms and I never received any letter or call from this apartments that I owe anything to them either. When I go to their website and search for the account they have for me its not even bringing anything up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Over the past nine months, I have attempted to resolve the disparity that is reported for the various accounts below. 

XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX The information has not been verified and no original documentation has been shared with me for verification. The reporting balance, account closing date, and monthly payment history all report different information among the three bureau agencies. 

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 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 2022-10-15 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Over the past nine months, I have attempted to resolve the disparity that is reported for the various accounts below. 

XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX XXXX : # XXXX The information has not been verified and no original documentation has been shared with me for verification. The reporting balance, account closing date, and monthly payment history all report different information among the three bureau agencies. 

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 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 2022-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Bank, NA is reporting alleged debts of {$3500.00} & {$4100.00} ( Acct # XXXX & XXXX ) on my credit reports without any standing & in violation of the FCRA & relevant Texas Debt Collection Act laws. Capital One Bank, NA is also in violation of Title X of the Dodd-Frank Act/Sections XXXX, and related regulations including abusive acts & practices. I have contacted them via XXXX with no response. In addition, I believe that this company has discriminated against me in violation of the Equal Credit Opportunity Act due to the fact that I am a supporter of the XXXX community, engaging in XXXX behavior. Since Capital One Bank, NA has willingly committed these premeditated/malicious acts, I have spoken with local counsel regarding the matter and they have agreed to potentially take the case on contingency pending Capital One Bank , NA response. I am however, willing to waive any litigation regarding this claim & rescind any complaints filed if the other party deletes the trade line from all 3 credit bureaus. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Dear cfpb, Here are the main facts of our experience. 

We purchased on XX/XX/XXXX a Serve  and a Bluebird card as requested by an agent we thought was with XXXX. The amount was XXXX each. On XX/XX/XXXX we informed American Express via the phone number on the back of the card. We also notified the police in our home town of XXXX, XXXX, We have card numbers and the receipts. 

As soon as we returned home, XX/XX/XXXX, my husband emailed a letter to XXXX including photos of the cards, receipts as suggested by a representative of American Express. We have had no response, so he over-nighted the information via usps. No response. 

My husband and I have both spent hours on the phone trying to get resolution to this matter. We can provide proof that we purchased the cards. American Express has not made any effort to return our money or to even communicate with us, We can prove that we bought the cards and prove that someone else cashed them in. 

On XX/XX/XXXX I was looking over the rental agreement on our XXXX XXXX car for our trip to XXXX XXXX. Our train was to leave in 3 hours. I spoke to XXXX  to tell them I didn't want to be the driver  in XXXX XXXX and they said they would not change the agreement. I looked online for another customer service number and called and spoke to a XXXX who said he could fix the problem.We needed to buy an American express prepaid card to take to the desk when we picked up our car. He made a point of saying it needed to be American Express. 
I purchased a Serve card at XXXX XXXX and gave him all the numbers on the card as he requested, grateful for a solution to having to drive in XXXX XXXX traffic. He called back later and said it was the wrong card - needed to be a Bluebird. My husband purchased that and I gave XXXX the numbers. 

On XX/XX/XXXX we got to the XXXX desk and we told they don't take prepaid cards and that we had been scammed. Later that day my husband called Amex to report our situation. 

On XX/XX/XXXX the agent my husband spoke to was a bit helpful. He did some research and found that the person who cashed in the cards was named XXXX XXXX with XXXX XXXX XXXX XXXX XXXX 
The rest is ourlined above. 

Our understanding is that prepaid cards are often used by scammers and so provisions have been made by card sellers to guard customers from loss. We don't use prepaid cards so we were unaware of these dangers. 
We have provided reasonable evidence of what happened. American Express has delayed, ignored, hung up on us, wasted our time, and not stood by their product. 
We are out over XXXX dollars and would like American Express to refund that to us. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax/Equifax credit bureau Is processing a reinvestigate after the 30 days has ended. The 30 days ended XX/XX/XXXX after the company received my letter XX/XX/XXXX. Equifax/Equifax credit bureau claimed they reinvestigated and it came back verified the first time after they contacted the companies ( furnishers ). However it took Equifax/Equifax credit bureau took longer than 30 days to reinvestigate and I was not notified until I filed complaint XXXX ( and several other complaints including XXXX ) and Equifax/Equifax credit bureau replied XX/XX/XXXX, 9 days after the 30 days. Equifax/Equifax credit bureau is in violation of 15 USC 1681i . I didnt dispute anything, I was informing them it was past the 30 days and to delete the accounts according to 15 usc 1681i. They wrote back and marked on my consumer report stating they are reinvestigating the same accounts again. Attached is the letter was the same accounts listed and the response to my CFPB complaint that the company stated was verified already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: GA

Complaint narrative:
Company- TRANSUNION XXXX Called and was stated to file complaint with FTC XXXX 

Fraudulent Inquiries : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
XXXX with PayPal 's XXXX XXXX XXXX XXXX I need your help again. 

I dont know why they put another limitation on my account without any reason. 
they ask me for documents and i do not has time for send the documents. 

XXXX XXXX please help me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : account number XXXXXXXX XXXX  : account XXXX XXXX, XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : account number XXXX, XXXX/FED LOAN SERV : account number XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX : account number XXXX, XXXX XXXX XXXX : account number 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 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 explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These companies are in clear violation of the law.15USC1681 ( a ) ( 4 )

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