vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX Account # XXXX XXXX XXXX XXXX  # XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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:
n 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 U.S.C. 1681. U.S. DEPARTMENT OF EDUCATION Account number XXXX Has violated my rights U.S. DEPARTMENT OF EDUCATION Account number XXXX Has violated my rights. 

15 U.S.C. 1681 Section 604 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 7 years. 15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: 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 U.S.C. 1681.

US DEPARTMENT OF EDU XXXX Has violated my rights US DEPARTMENT OF EDU XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXX 
XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 Section 604 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 7 years. 15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
On XX/XX/XXXX I looked at my credit report due to my bank account had a fraudulent check that was trying to be posted. Upon review I noticed that there were recent hard inquiries that were applied to my credit report that I did not recognize. Dates are as Follow. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all inquiries not attached to a live account for the date XX/XX/XXXX, and the fraudulent attempts was reposted by all 3 credit Bureau XXXX XXXX, XXXX, and XXXX ). I show XXXX has 11fraudulent reports, XXXX has XXXX, and XXXX XXXX. I SPOKE WITH the companies about the inquiries and was advised there was nothing they could do. I would have to Dispute the changes to my credit with the XXXX XXXX. I now and in the future will only accept live inquiries posted to my credit report. I have always declined any services that would not follow the state Bank terms & conditions regarding the double-dipping policies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Westlake Services, LLC
State: NC

Complaint narrative:
I recieved a notification of some inquires that i did not recognize or authorize that appeared on the credit bureau 's. I've tried to have them removed but but have gotten no where. On XXXX, in XX/XX/2022 and 2 companies called XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX both submitted an inquiry that i did not authorize and am trying to get it removed asap because it's affecting my credit scores. 
Also I believe same company pulled an inquiry on my XXXX, XXXX XXXX XXXX XXXX for auto on XXXXXXXX XXXX XXXX 
Also on same date on XXXX, these same companies and some additional ones pulled inquires, XXXX XXXX XXXX XXXXXXXX XXXX XXXX WestLake Service Inc, & XXXX XXXX all pulled on XX/XX/2022. 
I personally did Not autherize any of these inquires, please help. I've done all that i can do, thanks in advance for your help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TN

Complaint narrative:
N accordance with the Fair Credit Reporting act XXXX XXXX Co # XXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the rights 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 2022-05-05 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: TN

Complaint narrative:
N accordance with the Fair Credit Reporting act XXXX XXXX Co # XXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the rights 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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On Friday, XX/XX/XXXX, I sent via United States Postal service a letter summarizing the inaccurate information on my credit report that is causing me to not be able to secure employment and subject to higher interest rates. I specifically delineated the items that were incorrect. As of today, XX/XX/XXXX, the items remain on my credit report and it is apparent that my request is being ignored. This is well beyond the 30 days that is and a violation of my rights under the Fair Credit Reporting Act. Therefore, I am formally filing a complaint with CFBP and with my Attorney General of North Carolina, XXXX XXXX. 

The following reporting information is incorrect : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Any assistance for the " little guy '' will be helpful as I am finding it difficult to deal with the large institutions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
Case # XXXX - XXXX XXXX account from Cavalry with insufficient validation information case # XXXX. 

I am reporting this credit application that includes WRONG information. 

XXXX was unable to verify my personal information prior to their approval. 

THIS IS A BIG ISSUE AND TOTALLY UNACCEPTABLE. 

I have requested from Cavalry the exact location of the store where the purchase was made ; Cavalry was UNABLE to provide any information. 

This collection account on my report is causing me major problems with other creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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 explanation
Consumer complaint received 2022-05-05 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: 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 U.S.C. 1681. 

DEPT OF EDXXXX XXXX Has violated my rights XXXX XXXX XXXX Has violated my rights US DEPT OF EDUCATION XXXX Has violated my rights US DEPT OF EDUCATION XXXX Has violated my rights XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 Section 604 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 7 years. 15 U.S.C. 1681 s-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 2022-05-05 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: Consolidated Information Services Solutions, LLC
State: AR

Complaint narrative:
In accordance with fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may treat a payment on a credit card account under a open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ADP Inc.
State: CA

Complaint narrative:
While I was working at XXXX 's Restaurant, I was receiving my payments through a myWisely card. On the day of XX/XX/2022 and XX/XX/2022 money was taken from my account that I did not authorize. I use the myWisely app to verify the dates and according to the app the money from XX/XX/2022 was in the amount of {$620.00} and the location says XXXX  XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2022 {$610.00} was taken out of my account. The location for this unauthorized transaction says XXXX  XXXX XXXX XXXX XXXX XXXX. In total, {$1200.00} were the unauthorized transactions for those two dates. I contacted myWisely through a phone call on XX/XX/2022 soon as I could to dispute these transactions. They told me I would be sent a letter through the mail and gave me a case number. On XX/XX/2022 they emailed me a message saying that the investigation was finalized and they determined there was no error. Nonetheless, I received the letter they told me they would send and filled out the statement of fraud and sent them an email with this letter filled out and signed on XX/XX/2022. After sending this letter I received no response. I know for a fact this was a fraud on my account so I kept pressing the myWisely company by calling them. After that first call on XX/XX/2022 and sending them an email on XX/XX/2022, I called them another 3 times between XXXX and XXXX. The first time they told me they would send another letter so that I could dispute the transaction. I never received a letter and after 2-3 weeks I called them again and they told me they would send another letter. Again, I waited another 2-3 weeks and did not receive a letter. The last time I called them was on XX/XX/2022 and they told me the same thing. They said I would receive a letter in the mail and as of the day that I am writing this complaint on XX/XX/2022 I still have not received a letter. At this point it feels like this company is just straight up lying to me so they do not have to give me my money back. It is absolutely unacceptable I have called 3 different times, they tell me they are going to send a letter so I can dispute the transaction and they never send me a letter. At this point, I have run out of patience and it is the reason why I am writing this complaint.

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

Complaint narrative:
Hard Inquiries on my credit report XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I called Citibank multiple times between XXXX XXXX XX/XX/2022 ( including chats ) to transfer money from my Citi XXXX XXXX account to close on a mortgage loan due to close XX/XX/XXXX. I was told so many different things by different representatives and feel I was truly misled. Here are a few of the things I was told : 1. You can't transfer money over the phone. You have to do an online transfer. 
2. You can transfer up to {$50000.00} per day. 
3. Our online transfer system is down. It is a known issue that we are working on. 
4. I can do a phone transfer for you. Please give me the routing and account number. I was put on hold and transferred back into the queue. 
5. You can only transfer {$10000.00} per day. 

I had to talk to multiple people just to get the complaint escalated into the Executive Response Unit only to be assigned to a trainee who had extremely poor customer service skills. When I asked to speak to her manager she told me no I had to deal with her. 

I finally ended up having to close my checking and savings account to get a cashier 's check so we could close on our house on time. I don't even know at this time how many representatives threw me cold transfer back into a queue to start totally over. I have no idea how many hours I ended up spending on the phone trying to get this situation resolved. I had been a customer with Citibank for 15 years. Not once did anyone acknowledge the fact that I was a long time customer. I also do not feel anyone in a leadership podition was truly made aware of my concerns or offered a true apology. 

I really would like to request every call ( or chat ) be reviewed between the dates mentioned above ( including every call segment where I was thrown back into a queue ) for quality purposes so that management can understand the opportunities they have with their employees! I also would like to receive a true apology for all I had to endure and the level of stress it caused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
I was first contacted by Transworld Systems INC with mail dated on XX/XX/2022 but was not received until XX/XX/2022. This initial letter was about an apparent debt that they had purchased and was due for collection. They had given me until XX/XX/2022 to dispute this claim by mail or phone call. I had called multiple times in order to dispute this and out of the 12 times I tried calling, only once was I able to reach someone who could talk about this debt. I was being told by every representative that they did not have authorization to view this debt and had no idea how to help me. 

On XX/XX/2022, I was finally able to reach someone and submit a verification to validate this debt. I recorded this phonecall but I am unable to upload it for validation due to it's filesize. I have an archived copy that can be submitted upon request. I had then received a letter from Transworld Systems INC dated XX/XX/2022, that they were going to submit this debt up for collection and file it with all the credit bureaus with no regard to my debt validation request. I then submitted, via certified USPS mail, a formal debt validation request using the CFPB debt validation request letter format. This letter was dated on XX/XX/2022 and was certified received on XX/XX/2022. 

Transworld Systems is not well outside of the 30 day requirement to validate this debt with my request.

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

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 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 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, XXXX  Account # XXXX, XXXX XXXXXXXX Rec Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXXi Account # XXXX, XXXX Loan Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation