vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-03 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: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
From : XXXX XXXX XXXX To : NetCredit/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX CEASE and DESIST Order I, XXXX XXXX XXXX XXXX a federally protected consumer, did not give XXXX XXXX D/B/A CEO of NetCredit, or NetCredit, lawful authority or consent to obtain or disclose my nonpublic personal information. Pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) t ( C ). I am aware that transferring another persons identification information without lawful authority or consent is a violation pursuant to 18 U.S.C 1028. Pursuant to 15 U.S.C 1692c ( c ), I hereby order XXXX XXXX D/B/A/ CEO of NetCredit and NetCredit to CEASE and DESIST communication ( The term, communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. ) I am demanding XXXX XXXX D/B/A CEO of NetCredit, and NetCredit to CEASE and DESIST communication with my Consumer Report and remove the inquiry from my Consumer Report immediately! I am aware that furnishing this inquiry on my Consumer Report is in fact communication. In General.- The term, Consumer Report means any written, oral, or other communication of any information by a consumer reporting agency pursuant to 15 U.S.C 1681a ( d ) ( 1 ). If XXXX XXXX D/B/A CEO of NetCredit, or NetCredit fails to comply pursuant to 18 U.S.C 894a ( 1 ) ( 2 ), XXXX XXXX D/B/A CEO of NetCredit and NetCredit shall be fined under this title and imprisoned not more than 20 years or both. Pursuant to 18 U.S.C 1028A ( 1 ) ( 2 ) XXXX XXXX D/B/A CEO of NetCredit and NetCredit shall be imprisoned not more than 5 years. Under Florida Security for Public Deposits Act, any qualified public depository or other bank, savings association, or financial institution or custodian that violates a Cease and Desist ORDER or corrective order of the Chief Executive Officer is subject to an administrative penalty not exceeding {$1000.00} for each violation of the order. Furthermore, the violation of any order to cease and desist is a misdemeanor of the second degree, punishable as provided by statute.I will be forwarding this to the Attorney General, XXXX XXXX as well. 

With Prejudice, XXXX XXXX XXXX ( A Federally Protected Consumer )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: FL

Complaint narrative:
There is incorrect information on my report such as : My name, XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fl XXXX Employer : XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX 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 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
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, has violated my rights. XXXX. XXXX, XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 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 2022-07-03 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: LA

Complaint narrative:
XXXX XXXX has changed my payment history. The information is incorrect. This information should be removed immediately. They have reversed payment history from 5 years ago, which had negatively affected my credit score. XXXX XXXX is reporting inaccurate information. 
Also, XXXX XXXX has no written permission from to your furnish this account on my credit report. According to the fair Credit Reporting Act, I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
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, has violated my rights. XXXX. XXXX, XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 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 2022-07-03 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: NC

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, has violated my rights. XXXX. XXXX, XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 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 2022-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
XXXX XXXX, I had purchased a XXXX  XXXX XXXX in 2015 it didnt work I called the company and they said they would send me a new one. I received the new one and XXXX XXXX said to send the old one back .After receiving the second one that one didnt work either .So I called they said to send them both back I did .Since I have been tring to fix my credit I have seen this same charge on my credit report which is affecting me from tring to rent somewhere else. Please remove this thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I received notification on XXXX XX/XX/2022 from XXXX that my credit score dropped XXXX points due to overdue unpaid debt. XXXXXXXX XXXX email stated the debt was reported by America First Credit Union. I called America First that same day as I have never had an account with them. I spoke to XXXX, and told her that I never had an account with America First. Finally, after a lengthy call, XXXX told me that they had a picture of my drivers license and asked me if I knew a XXXX. I told her that I don't know any XXXX. I then said what do I do next and she said report it to the FTC. This, I am asking for your help to resolve this. Thank You Very Much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: FL

Complaint narrative:
There is incorrect information on my report such as : My name, XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fl XXXX Employer : XXXX XXXX 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 2022-07-03 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: FL

Complaint narrative:
There is incorrect information on my report such as : My name, XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fl XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: CO

Complaint narrative:
THE FIRST PROGRESS SECURED CREDIT CARD IS NOT DELINQUENT. FIRST PROGRESS OWES ME MONEY. I CLOSED, MY ACCOUNT, WHILE MY BALANCE WAS LESS THAN XXXX DOLLARS. THIS IS A SECURED CARD, WITH A XXXX DOLLAR LIMIT. I AM OWED MONEY. FIRST PROGRESS HAS CHARGED-OFF MY ACCOUNT. FIRST PROGRESS STATES THAT I OWE OVER XXXX DOLLARS. FIRST PROGRESS SHOULD OWE ME, A LITTLE UNDER XXXX DOLLARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX  account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX  account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 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 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 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
When I checked my Equifax credit report on XX/XX/2022 I noticed that account information and reporting history was removed from my credit report without my consent or authorization. The accounts are the following : XXXX. XXXX - XXXXXXXX XXXX 
XXXX. XXXX XXXX. 
XXXX. XXXX XXXX 

I followed up this unauthorized removal with a dispute letter for positive re-insertion. The dispute letter was date XX/XX/2022. The letter was tracked using certified mailing services via USPS. The letter was signed for by Equifax Credit Information Services Inc on XX/XX/2022. 

I have not received a response from Equifax nor seen the accounts re-inserted onto my credit report. It has been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, my niece forwarded me an email that Chase sent to her for a survey they are soliciting regarding my recent banking experience with their representative. This is a problem because my niece is not included in any of my accounts with Chase. I contacted all the different departments in Chase in which I have an account ( checking, savings, mortgage, and credit departments ) to figure out how my niece 's email somehow got associated with my account that caused the survey to be sent to her. All departments I spoke to said they only have 1 email on my account, which is my correct email address. The last department I talked to was the Chase banking who also confirmed that only my correct email address is showing. However, the person I spoke with, who is supposedly a supervisor, XXXX ( did not give me his last name ) said that he would contact Chase 's Communications Team and request that they remove my niece 's email anywhere on my account. I asked him for a written confirmation of this and he said that I will get a letter in the mail in 7-10 days. That was on XX/XX/XXXX when I spoke to him and all representatives of Chase. It is now XX/XX/XXXX and I still have not received any letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: KEYCORP
State: CT

Complaint narrative:
Key bank is reporting a XXXX balance on a XXXX max credit line which the supervisor of keybank agreed to remove this account due to my police report submited and frozen reports to in place .XXXX, and XXXX please remove this Account ASAP. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: TX

Complaint narrative:
My name and address do not match what is on my identification card. I'm asking that you remove the addresses below because I'm afraid of identity theft. Please have the following names and addresses removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
repeated attempts via certified letters disputing this medical collection asking XXXX, XXXX to remove medical collections from my credit report with no success. 
XXXX Merchants Adjustment : # XXXX XXXX XXXX XXXX XXXX XXXX. Loan Type- collection agency/attorney : Balance {$1.00}, XXXX XXXX- Merchants Adjustment XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. Loan Type- Collection agency/attorney : Balance {$1100.00} in accordance with the Fair Credit Reporting act Concerning Account # XXXX, has violated my rights 15 U.S.C. 1681 Section 602 A ; States that I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish an account without my written consent or instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tribal Lending Enterprise, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I wanted to pay the principal the woman I spoke to said I would receive a confirmation email and I got nothing

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 2022-07-03 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX 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