vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-18 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:
I have reached out to Transunion, XXXX, and XXXX regarding the inaccurate information on my reports and the tell me the accounts have been verified without providing any information as to how it was verified. 

I have explained to all three credit reporting agencies that this is a violation of the Family Educational Privacy Act of 1974 in which they would not share my information with any third party affiliates. That is also a violation of the Privacy Act of 1974, 15 USC 1681s-3 It is also Illegal to report transaction history

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 2022-12-18 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:
I have reached out to XXXX, XXXX, and Equifax regarding the inaccurate information on my reports and the tell me the accounts have been verified without providing any information as to how it was verified. 

I have explained to all three credit reporting agencies that this is a violation of the Family Educational Privacy Act of 1974 in which they would not share my information with any third party affiliates. That is also a violation of the Privacy Act of 1974, 15 USC 1681s-3 It is also Illegal to report transaction history

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: TN

Complaint narrative:
I have reached out to XXXX, Experian, and XXXX regarding the inaccurate information on my reports and the tell me the accounts have been verified without providing any information as to how it was verified. 

I have explained to all three credit reporting agencies that this is a violation of the Family Educational Privacy Act of 1974 in which they would not share my information with any third party affiliates. That is also a violation of the Privacy Act of 1974, 15 USC 1681s-3 It is also Illegal to report transaction history

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 2022-12-18 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: NCB Management Services Inc.
State: GA

Complaint narrative:
I have spoken to the original account holder back in XXXX and they advised that me that I didn't posses the correct information to verify the account. They then advised that they had closed the account due to fraud. I was then referred to NCB Management services in XXXX and the gentleman I spoke with advised me that he would come to my home and get the money owed personally. I then advised him not to contact me anymore and that I would report him to my local police department if the harassment continues. From there I filed a complaint with the FTC to have the account removed from my credit file. Now they are starting to contact and report to my file once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: TN

Complaint narrative:
My credit report is showing inaccurate information on all 3 credit reports from Experian, XXXX, and XXXX for the following companies listed XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  and XXXX XXXX XXXX XXXX. There are late payments and transactions being listed on all three reports. 

Per 15 USC 1666b- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The Privacy Act of 1974 - my rights to privacy have been violated. 

It is Illegal to report transaction history 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instruction of the consumer to whom it relates.

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 2022-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
On XXXX Bridgecrest sent me an email acknowledging Thank you for the one-time recent payment made on XXXX  : Thanks for your recent payment! 

XXXX, Thank you for your one-time payment made on XXXX 

Payment amount withdrawn : $ XXXX Account number : XXXX After being unsatisfied with how Bridgecrest resolved my request to have my one payment I missed during the Hurricane removed, I switched loan creditors. My new creditor, issued Bridgecrest a check for {$12000.00}, which they clearly received and cashed. However, Bridgecrest is still reporting to the credit bureaus that I have an open balance with them, even though my new loan company has paid them. Bridgecrest also certified by law, that the information they reported to XXXX is accurate as of XXXX The XXXX investigation started on XXXX  so Bridgecrest knowingly and intentionally, provided false information to a credit bureau even after they were paid and know I dont have any remaining balance with them. They have done this with other credit agencies and there seems to be a pattern here. I want my credit accounts updated accurately to reflex my accounts with them are paid. They need to be held accountable for these illegal and fraudulent practices. Thanks

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 2022-12-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy 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 2022-12-18 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: Experian Information Solutions Inc.
State: CA

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 XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy 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 2022-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have disputed several times with multiple Credit Reporting Agencies the claims of this company. I have requested proof of validation containing my original signed contract, thereby verify ownership. As of today, XX/XX/2022 I have not received such documents, however said company persist on reporting falsely on my credit report, detrimentally damaging my identity and credit worthiness.

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 2022-12-18 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: MS

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 Account name : XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX  Reference ID : 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. 

Also this company only has a license to collect debt in XXXX states. Those states are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Which is verified on XXXX  : XXXX. 

This account was disputed by another collection agency ( XXXX XXXX ) and sold to this company. 

Remove this account immediately!! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
I took out a line of credit from Upgrade in the amount of XXXX dollars, due every XXXX of the month. On XX/XX/2022, Upgrade claimed to have not been able to withdraw the monthly amount of XXXX dollars, referred my name to a credit collection agency while Upgrade continues to withdraw funds out of my checking account at the same time. Just this XX/XX/2022, Upgrade made a withdraw in that same amount. I had to ( finally ) call my bank to stop payments on any transaction coming from Upgrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
THESE COMPANIES BELOW :
LVNVFUNDG AT C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX        ACCOUNT# XXXX & XXXX
                       AMOUNTS:   XXXX XXXX XXXX XXXX XXXX

XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX
                   ACCOUNT# XXXX        AMOUNT : XXXX XXXX

THESE COMPANIES HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNTS ABOVE. THE COLLECTIONS HAS BEEN REPORTED AS PAST DUE BALANCES. I DO NOT KNOW THESE COMPANIES. I HAVE NEVER DONE ANY BUSINESS WITH THESE COMPANIES. THESE COMPANIES DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: IL

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 XXXXXXXX XXXX XXXX {$3800.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX {$3400.00} {$3.00}. XXXX XXXX XXXX XXXX XXXX {$1100.00} {$4.00}. XXXX XXXX : {$5900.00} 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 2022-12-18 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: IL

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 XXXXXXXX Collection XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$3800.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX {$3400.00} {$3.00}. XXXX  XXXX XXXX XXXX XXXX {$1100.00} {$4.00}. XXXX XXXX : {$5900.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After opening an account with Bank of America my business deposited $ XXXX into the account and was told that there would be a hold on the account because the account was new. It has been over a year and any time we deposit funds over this $ XXXX there is an unreasonable hold length for 10 days which is not feasible for us to manage our business. On XX/XX/XXXX we deposited $ XXXX from the same vendor that we have always deposited money from for which they are telling us that funds are on hold until the XXXX of XXXX. This is unacceptable for a business ' checking for which we have to run payroll for employees.

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 2022-12-18 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: TN

Complaint narrative:
My credit report is showing inaccurate information on all 3 credit reports from XXXX, XXXX, and Transunion for the following companies listed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. There are late payments and transactions being listed on all three reports. 

Per 15 USC 1666b- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The Privacy Act of 1974 - my rights to privacy have been violated.

It is Illegal to report transaction history 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instruction of the consumer to whom it relates.

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 2022-12-18 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: TN

Complaint narrative:
My credit report is showing inaccurate information on all 3 credit reports from XXXX, Equifax, and XXXX for the following companies listed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are late payments and transactions being listed on all three reports. 

Per 15 USC 1666b- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The Privacy Act of 1974 - my rights to privacy have been violated.

It is Illegal to report transaction history 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instruction of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: IL

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 AccoXXXX 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 {$10000.00} 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 XXXXXXXX XXXX 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
Chime mobile banking lost {$460.00} in a transfer and has denied any request for a refund and has denied my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: IL

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 Accounts 1. XXXX XXXX XXXX XXXX BALANCE SHOWN : {$7300.00} 2. XXXX XXXX XXXX BALANCE SHOWN : {$11000.00} 3. XXXX XXXX XXXX BALANCE SHOWN : {$4000.00} 4. XXXX XXXX XXXX BALANCE SHOWN : {$3000.00} 5. XXXX XXXX XXXX BALANCE SHOWN : {$3500.00} 6. XXXXXXXX XXXX XXXXXXXX BALANCE SHOWN : {$2200.00} 7. XXXX XXXX. XXXX  XXXX BALANCE SHOWN : {$10000.00} 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