vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-23 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 {$4600.00} TXXXX XXXX XXXX XXXX XXXX, XXXX {$3500.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$380000.00} XXXX XXXX XXXX. XXXX, XXXX {$3100.00} XXXX XXXX  XXXX XXXX, XXXX {$520.00} XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.

Complaint narrative:
Fraud transactions happened in my remitly account between dates of XX/XX/XXXX to XXXX XX/XX/2022, total of 12 transactions. I contacted remitly customer service, they did not provide me refund or any sastifactory reponse and they locked my account without any reason. Then i contacted my bank and i filled a complaint, investigation happened one month and they told me to contact remitly, as they cant do anything. i am suffering from this from last 4-5 months. Please pay attention to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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:
I've noticed that there's XXXX closed account & XXXX inquires on my credit profile that i dont reconize & its false information that isnt mine & never gave written or verbal consent for TransUnion to furnish and its affecting my way of living due to non approval & defamation of character!

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 2022-11-24 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: NJ

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these items removed right away! 
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

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Complaint about Information in Credit Report : Bankruptcy I am writing to file a complaint about inaccurate Bankruptcy the following information in my file..

This item ( see attach ) is inaccurate because I have never had Bankruptcy before in my life. This information is false which is claimed to be given to them by the court the courts ( see attach ) does not report information to any credit reporting agency. I am requesting that this item be removed at once to restore my accurate report of my credit. 

Enclosed is documentation supporting my request : a copy of my credit report. that all three agencies are reporting non facts about me every having a backrupty and that the information is coming from the courts. 

Requesting this information be removed from all credit reporting agency as soon as possible. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Complaint about Information in Credit Report : Bankruptcy I am writing to file a complaint about inaccurate Bankruptcy the following information in my file.. 

This item ( see attach ) is inaccurate because I have never had Bankruptcy before in my life. This information is false which is claimed to be given to them by the court the courts ( see attach ) does not report information to any credit reporting agency. I am requesting that this item be removed at once to restore my accurate report of my credit. 

Enclosed is documentation supporting my request : a copy of my credit report. that all three agencies are reporting non facts about me every having a backrupty and that the information is coming from the courts. 

Requesting this information be removed from all credit reporting agency as soon as possible. 

Sincerely, 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 2022-11-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than XXXX years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2022 I went to pump gas at XXXX XXXX in XXXX Illinois, I was advised my debit card transaction was being declined by the gas pump. I went to another gas station and same issue persisted. I drove to the Chase branch on XXXX XXXX in XXXX Illinois XXXX spoke to an XXXX XXXX XXXX at the branch who told me the debit card was unblocked and good to use now. On XX/XX/2022 I went to XXXX to buy breakfast and was declined for reason of debit card being expired. I went to the XXXX XXXX XXXX branch to inquire why this was happening a second day in a row if on XX/XX/2022 I was told it was resolved. I am now being told the card was cancelled on XX/XX/2022 and a new one was ordered to be delivered to my address. I never requested my current debit card to be cancelled and a new one mailed. The employee at the XXXX branch took it upon herself to do that without my approval or knowledge. Now I have to go this XXXX holiday without a debit card and its very very very inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-11-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-11-23 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: PA

Complaint narrative:
I am a natural person, I am the living human being. I have rights under 15 USC-1681. 

XXXX is govern by 15 USC-1681, and they violated my rights numerous times. 

I demand these accounts listed be removed : XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ACCT # XXXX XXXX XXXX XXXX acct XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX to 15 USC-1681 I have the right to privacy and I did not give XXXX permission to furnish these accounts.

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 2022-11-23 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: PA

Complaint narrative:
I am a natural person, I am the living human being. I have rights under 15 USC-1681. 

XXXX is govern by 15 USC-1681, and they violated my rights numerous times. 

I demand these accounts listed be removed : XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX acct XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX According to 15 USC-1681 I have the right to privacy and I did not give XXXX permission to furnish these accounts.

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 2022-11-23 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than XXXX years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: TX

Complaint narrative:
On XX/XX/23 I called the collection agency " MRO PPO LCC '' about a account in the amojunt of XXXX, that is not mine. I then called them to verify and they told me that, it was opened in XXXX, TN and they could not give me the rest of the infomration. I never lived or drove though XXXX, so they recommend that I call the orginal credior " XXXX XXXX XXXX  and XXXX XXXX '', so I called them. Both companies verified that I did not have a account with them and that it looks like someone has been using my information and I keep hearing a name " XXXX XXXX '', who is attached to my new cell phone number. I changed my number to my new one, which is XXXX, 6 months ago and ever since I did, I have been getting calls asking for XXXX about debt. As soon as I got my new number, I think XXXX sold my information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I received a bill on my XXXX Comenity Mastercard that was due on XX/XX/28, I made a partial payment in a timely fashion. 
I then received a bill for the next month due on XX/XX/28 which included interest due to the partial payment on XX/XX/28. That interest charge is understandable. I then proceeded to pay that bill in full again prior to the due date. That payment in full was acknowledged by XXXX. 
My next bill due on XX/XX/28 also included an interest charge, even though the previous bill had been paid in full before the due date. 
I did call XXXX and inquired about the interest charge even though the payment was made in full. Their response was that when the card changed from All Rewards to XXXX it included " residual interest '' even though there was no balance overdue and the card had been paid in full. 
I believe this " residual interest '' is an unfair charge as the balance was paid in full and should not have accrued any interest whatsoever. It is also interesting to note that the interest on the XX/XX/28 partial payment was only slightly more than the interest charged even though the account had been paid in full. This amounts to unfair charges to the consumer. My account with them will be cancelled. I do hope you publish this and warn others of how this company operates, especially in times of inflation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: TN

Complaint narrative:
Items from a previous ID Theft issue continue to be reported on my consumer reports. They've failed to remove all of the accounts.

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 2022-11-23 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: Io, Inc.
State: PA

Complaint narrative:
I HAVE NOT RECEIVED VALADATION NOTIFATION BY MAIL OR ELECTRONIC PRIOR TO REPORTING TO MY CONSUMER CREDT REPORT FOR COLLECTION AGENCY LISTED BELOW : XXXX XXXX XXXX {$270.00} IF YOU CLAIM TO HAVE SENT IT YOU MUST PROVIDE PROOF OF ME RECEIVING IT, BECAUSE YOU DON'T HAVE PROOF UNDER THE LAWS OF THE FDCPA, YOU MUST REMOVE IMMEDIATELY OFF MY CONSUMER CREDIT REPORT AND AWARD ME {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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:
I've noticed that there's XXXX closed account & XXXX inquires on my credit profile that i dont reconize & its false information that isnt mine & never gave written or verbal consent for Experian to furnish and its affecting my way of living due to non approval & defamation of character!

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 2022-11-23 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX and XXXX XXXX, not government entities are receiving and reporting information that is denying me stability, housing, credit, and more. This is against the Privacy Act and I never signed for them to report any information. There are accounts that are incorrect, sure to be written off on taxes, and these merchants are trying to XXXX additional money from me. I disagree with all agencies reporting my negative information, I contest the accuracy of accounts, validity, whether written off on taxes already, also I contest all bureaus reporting are breaking the law. As, I did not consent to them reporting negative items, my address, name, XXXX, or anything that will cause me denial of credit, employment, housing, and or stability. This is against the law, Privacy Act, Lack of XXXX, XXXX Incorrectly, and mainly breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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:
XXXX XXXX and XXXX XXXX, not government entities are receiving and reporting information that is denying me stability, housing, credit, and more. This is against the Privacy Act and I never signed for them to report any information. There are accounts that are incorrect, sure to be written off on taxes, and these merchants are trying to steal additional money from me. I disagree with all agencies reporting my negative information, I contest the accuracy of accounts, validity, whether written off on taxes already, also I contest all bureaus reporting are breaking the law. As, I did not consent to them reporting negative items, my address, name, XXXX, or anything that will cause me denial of credit, employment, housing, and or stability. This is against the law, Privacy Act, Lack of XXXX, XXXX Incorrectly, and mainly breaking the law.

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