vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-05-26 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 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

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 2022-05-26 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 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

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 2022-05-26 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

Bankruptcy case # XXXX 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. 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 reason 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 2022-05-26 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

Bankruptcy case # XXXX  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. 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 reason 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 2022-05-26 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A stated 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 2022-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
They promised to provide, {$300.00} credit statement after purchase, when I called them they said you are not eligible. Amex makes false promises and they don't have the courtesy to inform on the same, there was no communication on why I was not eligible and what happened. This is a fraud they do to their customers beware of these scammers. Amex you are the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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 Accounts below 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 - Consumer Report Agency can not furnish an account without my written instructions. Please see account below CHAPTER XXXX BANKRUPTCY - ACCOUNT XXXX XXXX. XXXX -ACCOUNT # XXXX XXXX XXXX XXXX ( ORGINAL 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 2022-05-26 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 Accounts below 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 - Consumer Report Agency can not furnish an account without my written instructions. Please see account below CHAPTER XXXX BANKRUPTCY - ACCOUNT XXXX XXXX. XXXX -ACCOUNT # XXXX XXXX  XXXX  XXXX  ( ORGINAL XXXX  XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. the below listed account has violated my federally protected consumer rights Navient and XXXX  account # XXXX My student loans are showing that I am 90 days late on my credit report but my loans have been in forbearance for four years while I go back to school. 

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 reason to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RGS Financial, Inc.
State: CA

Complaint narrative:
The company calls me everyday

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
Lanier collection has not validated this account, and I want it to removed since more than 30 days have gone by.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX. XXXX Transunion XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX To Whom it may concern, Good evening Transunion XXXX how are you doing today? Im wonderful! On XX/XX/XXXX File number XXXX you Verified these accounts Accurate. The following accounts have been in Collections since ( XX/XX/XXXX ). Since then the accounts have repeatedly been updated as a collection every month. This is an update in the payment history which to my understanding collection accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION XXXX XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX Best Regards, 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 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was not satisfied with the result I got from my Experian report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information removed or have anyone from Experian contact me about the status of my concern. Here is the incorrect information that I am trying to dispute : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Updated : XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a text from Chase saying a new recipient I did not know was added to my contacts. {$400.00} was taken from my Chase checkings account through an unauthorized XXXX transaction. 

That same day, XX/XX/XXXX, I receive a text from a completely different phone number not associated with the XXXX account they have received the {$400.00} and that I have to send them {$550.00} more as a " deposit '' to " resolve '' the issue and get " keys ''. I did not respond as I was trying to call my bank at the time. 

On XX/XX/XXXX, I called Chase support and was placed on hold for almost two hours over three call attempts. On the third attempt, an agent explained that I'd have to call the fraud line the next day because when I was taken off hold the department was closed for the day. 

On XX/XX/XXXX, I called the Chase fraud department. An automated voice told me the department was closed. I call Chase general support to clarify this was informed that the fraud department is closed on Sundays. I was then told to call again when they open at XXXX the next day. 

In the evening of XX/XX/XXXX, I asked for the {$400.00} to be sent back to me. I received no response. I believe the person blocked me. 

On XX/XX/XXXX, I called the Chase fraud department. I confirmed with them that my account was compromised and they said they would look into it. They said they would receive a temporary credit in ten business days. I was transferred to another department to help me change my login information for Chase and deactivate XXXX. I also changed all of my email information. 

On XX/XX/XXXX, I receive a letter from Chase saying that they found the UNAUTHORIZED charge of {$400.00} on my account was authorized and they would not make any adjustment on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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 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

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 2022-05-26 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I received a Coinbase XXXX  card in the mail today but I never applied or requested one. I don't have any cryptocurrency and didn't even know what Coinbase was. An account must have been created fraudulently in my name. I called the cust. service # on the information provided with the card but the automated system will not connect me with a live agent because the phone # I'm calling from does not match a Coinbase account. I also submitted a support form on their website and received an email advising they can not help me because my email address does not match a Coinbase account. I also submitted a request using XXXX to their XXXX account @ XXXX, but have not received a response. 

I had my wallet stolen a few months ago and placed a fraud alert with the credit bureaus. 
I'm concerned this may be an ID theft attempt. I pulled my credit reports today and did not see any suspicious activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-05-26 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-05-26 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 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

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 2022-05-26 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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 XXXX XXXXXXXX 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
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
I am filing a complaint against Wakefield & Associates. Wakefield & Associates have improperly placed a collections in the amount of {$2800.00} and they refuse to remove it even though I have provided ample proof that I am not responsible for the negligence of the original creditor XXXX XXXX XXXX XXXX. 

I was in a XXXX XXXX XXXXXXXX. I was transported to the hospital via ambulance. At that time, I provided the ambulance company all of my insurance information. In XXXX of XXXX ( 4 years later ), I saw that the paramedic company had sold the collections account to XXXX XXXX. I was surprised and I called my insurance company- they stated by law XXXX XXXX ( original creditor ) was supposed to bill for the service provided to me within a year from the date of service. XXXX XXXX did not bill until XXXX years after the date of service. They then received a denial and explanation of the bill - stating they were then supposed to write off the balance because it was not filed in a timely manner. It is not my fault that XXXX XXXX was negligent and waited over XXXX years to bill my insurance. I am not responsible for payment as I was and still am insured. Once I provided XXXX all of the necessary documentation XXXX removed the collections from my account. However, instead of resolving the matter they sold the account to Wakefield & Associates. Wakefield has now placed the collections back onto my account and refuse to remove it even though, I have provided ample proof that I am not responsible for XXXX XXXX 's billing negligence. As I mentioned above, I was fully insured and had XXXX XXXX billed within a timely manner ( the legal amount of time they have ) they would have been paid by my insurance company.

Company response to consumer: Closed with explanation