vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-01 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 XXXX XXXX XXXX account # XXXX, has violated my rights. 


15 U. S. C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX XXXX  I called several times to resolve this matter to delete inaccurate names addresses employments off my consumer report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I did not authorize any individual to submit my name, address, employment, or phone number. Additionally, I have not given XXXX, XXXX, Experian permission to furnish this information. This is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. The reporting of the inaccurate names, addresses, and employments has violated FCRA Section 607, which requires that only accurate information be reported in a consumers report. Per 15 USC 1692J No one may design, compile and/or furnish any form which creates the false impression that someone other than the creditor is participating in the collection of a debt. The use of these false names addresses employments are given false impressions. I am completely aware that each violation is {$1000.00}, I am prepared to seek litigation for the pain and suffering that this inaccurate misleading information has caused me. I will upload proof of my full name and my accurate address where I want all my disputes sent to the same address.

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 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is the third attempt to resolve this issue with credit bureau ( provided proof of delivery of request. ) The inquiries listed below were never authorized by me and are reporting as a credit error. I have no resolution with the 3 credit reporting agencies and I am requesting assistance to please remove all credit error inquiries. 

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 2023-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is the third attempt to resolve this issue with credit bureau ( provided proof of delivery of request. ) The inquiries listed below were never authorized by me and are reporting as a credit error. I have no resolution with the 3 credit reporting agencies and I am requesting assistance to please remove all credit error inquiries. 

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 explanation
Consumer complaint received 2023-04-01 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: FL

Complaint narrative:
This is the third attempt to resolve this issue with credit bureau ( provided proof of delivery of request. ) The inquiries listed below were never authorized by me and are reporting as a credit error. I have no resolution with the 3 credit reporting agencies and I am requesting assistance to please remove all credit error inquiries. 

XXXX XXXX XXXX  You applied for a credit card on 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 2023-04-02 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: Blackhawk Network Holdings Inc.
State: GA

Complaint narrative:
I'm having trouble getting my benefits

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
it was supposed to be {$300.00} credit limit they only gave me {$75.00} they messed up my credit bad

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 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following collection is reporting erroneously on my credit report. This is the 3rd attempt to resolve this issue. XXXX XXXX XXXX {$340.00} Open balance. This is also reporting erroneously on a different credit bureau as the debt being owed to XXXX XXXX XXXX. ( Proof of mail delivery as attached. )

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 2023-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I am being sued in XXXX by Calvary portfolio XXXX but I can not find the debt at all on my credit reports and if it is my debt its not in Florida its Georgia and I have never received any notice of the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I submitted a complaint to XXXX that I noticed my score dropped XXXX  points on XX/XX/XXXX. I had No Credit Requests on any of my credit reports for the entire year of XXXX. I had No Late Payments on any of my credit reports for the entire year of XXXX. I had No Closed Accounts on any of my credit reports for the entire year of XXXX. I had NO Negative Impacts listed on any of my credit reports for the entire year of XXXX. So, I contacted XXXX via their website to inquire why my credit score dropped with No Negative Impacts showing on my credit report. After receiving a case number by email from XXXX, I called them to find out what happened, but they said the case number I received from XXXX by email was not valid and must have been from a different part of XXXX which they could not identify. There answer at XXXX was " This is not a small company, so it will be impossible for me to find out who is handling your complaint. '' I submitted a complaint with Experian on XX/XX/XXXX that perhaps my identity had been stolen or an error was made on my credit score because no negative impacts had been recorded for years. I received a call from them on XX/XX/XXXX when they said I can not dispute my credit score and there could not have been an error on my score, nor could their have been any identity theft. However, they continued to say that the reason my score went down XXXX points on XX/XX/XXXX was because there are 5 closed accounts listed on my credit report. I informed the Experian employee that the last of those closed accounts was from XXXX, they were all closed in good standing, they certainly hit my credit incrementally and independently soon after each 's closing date, and most obviously, it is preposterous to suggest that this would all be processed 3-5 years after the fact and would have such a drastically negative impact on one 's credit. Clearly, the only thing that should bring someone's credit score from XXXX to XXXX at one time would be a Bankruptcy. 

I submitted a complaint electronically to XXXX on XX/XX/XXXX as well, but received no response, not even recognition that my complaint is being processed.

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 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following collection is reporting erroneously on my credit report. This is the 3rd attempt to resolve this issue. XXXX XXXX XXXX {$340.00} Open balance. This is also reporting erroneously on a different credit bureau as the debt being owed to XXXX XXXX XXXX. ( Proof of mail delivery as attached. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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. 

XXXX XXXX, XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX, XXXX 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 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 non-monetary relief
Consumer complaint received 2023-04-01 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. 

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, 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 non-monetary relief
Consumer complaint received 2023-04-01 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: NV

Complaint narrative:
XXXX  XXXX -- -- XX/XX/2016 XXXX  -- XXXXXXXX XXXX XXXX XXXXXXXX These are not mines and need to be blocked and removed from my credit repor! 
I contacted each company and they said they removed but the bureaus arent removing for whatever reason. I sent proof and the foreign people at bureaus arent ever helpful. 

In accordance of the Fair credit act the list of accounts and letters sent to the ftc and bureaus shpid protect my rights. 15USC 1681 C ( A ) ( 5 ) AND 604 ( A ) AND IT STATES IT CANT DO ANTTHING WITHOUT MY CONCENT! pLEASE REMOVE THIS INFO AS IT ISNT MINES THANKS. I AM ME I AM NOT A CREDIT AGENCY SO DONT TRY AND SEND THOSE STALL LETTERS ABOUT A CREDIT COMPCLINIC CAUSE IT DONT RELATE TO ME. NO TIME TO STALL LETS UPDATE AND BLOCLA ND REMOVE THESE ITEMS PLEASE. THANKS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: NY

Complaint narrative:
on XXXX, and on XX/XX/2023 I disputed several negative items on my credit report with all 3 credit bureaus. I asked for proof of such late payments reporting on my credit report, and it has been well over the 30 days time frame, and I have yet to see any changes, or been provided with the requested information. 

XXXX XXXX XXXX account is reporting late payments XXXX is reporting late payments XXXX reporting late payments. 
Per 15 USC 6803 a ( 3 ) protecting the non public personal information of consumers. 
XXXX XXXX child support is reporting, which is a violation since I have never provided written consent.

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 2023-04-01 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: NY

Complaint narrative:
on XXXX, and on XX/XX/2023 I disputed several negative items on my credit report with all 3 credit bureaus. I asked for proof of such late payments reporting on my credit report, and it has been well over the 30 days time frame, and I have yet to see any changes, or been provided with the requested information. 

XXXX XXXX XXXX account is reporting late payments XXXX is reporting late payments XXXX reporting late payments. 
Per 15 USC 6803 a ( 3 ) protecting the non public personal information of consumers. 
XXXX XXXX child support is reporting, which is a violation since I have never provided written consent.

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 2023-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Even if we make a payment for the entire balance once per month, we get charged a late fee. In regards to the last billing period, the customer service representative stated that a payment must be made between XX/XX/XXXX and XX/XX/XXXX in order to avoid a late fee. I made the payment on XX/XX/XXXX online and paid all charges in full. I made two more purchases on XX/XX/XXXX. Amex states that only payment made after the billing period is over count towards avoiding a late fee. If you make payments that would enable you to pay the charges for that billing period before the end of the billing period, it does not count. If I want to pay early, I have to pay by check. Otherwise, the payment must be made after the close of the billing period. Specifically, they stated, I don't mean to relay the information poorly. What we need to look at is the due date. Due date for this is XX/XX/XXXX. For the payment to be counted for this due date, the payment should have been made from XXXX  XXXX XXXX. The payment made on XX/XX/XXXX and XX/XX/XXXX. The payment made is outside this timeframe. Since it is outside this timeframe, a late payment fee is generated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: NY

Complaint narrative:
on XXXX, and on XX/XX/2023 I disputed several negative items on my credit report with all 3 credit bureaus. I asked for proof of such late payments reporting on my credit report, and it has been well over the 30 days time frame, and I have yet to see any changes, or been provided with the requested information. 

XXXX XXXX XXXX account is reporting late payments XXXX is reporting late payments XXXX reporting late payments. 
Per 15 USC 6803 a ( 3 ) protecting the non public personal information of consumers. 
XXXX XXXX child support is reporting, which is a violation since I have never provided written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to inform you of several errors on my credit report issued by TransUnion, which I brought to their attention on XX/XX/XXXX. As of today, TransUnion has not yet responded to my inquiry. I am requesting that you investigate and correct these errors as soon as possible. 

The following account was never late : XXXX XXXX ( Account # XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160000.00} ). Please correct/update this inaccurate information on my credit report. 

The following account is not mine : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$77000.00} ). Please remove it from my credit report. 

The following account is not mine : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$6000.00} ). Please remove it from my credit report. 

The following account is not mine : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$610.00} ). Please remove it from my credit report. 

The following account is not mine : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2500.00} ). Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
I called and spoke with a chime bank representative on Saturday XX/XX/XXXX to let them know that this transaction of {$140.00} is not authorized they gave me a dispute claim number of ( XXXX ) and told me that i would be receiving a credit refund back to my account on 10 days. I never did, they just stone walled me in to a denied claim. i feel chime bank never investigated any claim and mislead me so that i would not do anything about it. I have asked them that stealing my money outright is wrong. I feel that chime bank never disclose the real intention that they have for consumers, chime bank did me dirty... please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
This a collection with National Credit Systems for a debt that is not correct in amount. I disputed this amount with XXXX and XXXX in XX/XX/XXXX, and twice in XXXX of XXXX. I requested physical proof, not just invoices or being told the amount is owed, copies that {$4500.00} is owed. Hard evidence. Each time disputed, these bureaus are saying the debt is valid with no research. I cant get in touch with National Credit Systems through any method of communication. I have sent email messages as well. The company knows there is no hard evidence or proof of this debt so they are avoiding and keeping it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: NY

Complaint narrative:
The following Account does not belong to me and is reporting inaccurately on my Transunion report : XXXXXXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief