vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 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: NC

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 2022-04-25 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, the list of accounts below has Violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

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

15 U.S.C 1681 Section 604A Section 2, states a consumer reporting agency can not furnish an account without my written instruction.

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 record of convictions of crime which antedates the report by more than seven years. 

Accounts : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Unauthorized inquiries : XXXX - XXXXXXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: eToro USA LLC
State: TN

Complaint narrative:
I invested money ( bitcoins ) with eToro, a trading company based in XXXX, with offices in New Jersey. It did well. I invested a total of about {$2000.00}. I anted to withdraw some of the profits several months ago. They wouldn't let me. Wanted me to upgrade to higher level. 
Which meant for me to send more money. 
I needed my money out so I told them to just close the account ( ACCT.No. XXXX ) and send me my money. They said it would take a few days, then two weeks. We are now approaching four weeks. They don't answer my emails, or calls. Seems that the are relentless in soliciting money but don't want to pay. Total they owe me is about {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: Veros Credit, LLC
State: NV

Complaint narrative:
I am a victim of identity theft and I have filed an FTC report and sent it to the company and they are still reporting this negative account on my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: NY

Complaint narrative:
This is the second time that i am filing a complaint about the inaccuracies that continuously keep reporting on my credit report. I still havent been sent any proof that these accounts belong to me yet they remain on my credit report. I filed a complaint before and there still hasnt been any response to my original complaint. These negative accounts are continuing to affect my credit report, and none of these credit bureaus can verify the accuracy of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: IL

Complaint narrative:
I have called Equifax to report unknown inquiries and also disputes online. They refuse to fix my issue I have told Them numerous times I did not authorize the inquiries on my report except the inquiry from XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair credit report act XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-04-25 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: FL

Complaint narrative:
In accordance with the Fair credit report act XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: Financial Business and Consumer Solutions.
State: VA

Complaint narrative:
There is an old credit card debt from XXXX bank supposably XXXX the amount should only be XXXX which was the actually limit back in XXXX. I lost my job and could not pay the debt back at the time. This company closed the account wrote it off and the debt collector fbcs instead of contacting me years ago they just started now in XXXX threatning me stating that they will come to my job etc. I got a letter this year XXXX for a debt thats almost 6 years old stating that its an attempt to collect. Why wait all these years especially after writing it off and never attempting years ago? I'm having a hardship with children and these people are just cruel and unprofessional. I haven't had the chance to decide what to do with the letter because im not sure whether it would make a difference on my credit at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair credit report act XXXX XXXX XXXX account number 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 2022-04-25 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:
XXXX XXXX XXXX serviced by XXXX XXXX XXXX  XXXX ending in account number XXXX 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 2022-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC
State: OH

Complaint narrative:
I contacted Loanme to payoff my loan on XX/XX/XXXX as they were charging me 210 % interest on my loan. She took the payment over the phone. Went to see if my loan was paid off the following day and they charged another {$25.00} on my account. They do not allow you to make same day payments, which they are charging interest daily and the loan will not allow you to pay it off at this rate. 
Also the loan was made on XX/XX/XXXX, they have taken {$170.00} out of my account biweekly. 
This is how my loan has been being applied : They have only been applying {$.00} to {$1.00} to principal with biweekly payments for 8 months. 
Date Description Principal Interest Other Total Payment Balance XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Open New Loan XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: NV

Complaint narrative:
I am a victim of identity theft and I have filed an FTC report and sent it to the company and they are still reporting this negative account on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 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: NC

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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is the second time that i am filing a complaint about the inaccuracies that continuously keep reporting on my credit report. I still havent been sent any proof that these accounts belong to me yet they remain on my credit report. I filed a complaint before and there still hasnt been any response to my original complaint. These negative accounts are continuing to affect my credit report, and none of these credit bureaus can verify the accuracy of 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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Recently, I received copies of my consumer report and noticed many discrepancies with my personal information. I attempted at least twice ( XX/XX/XXXX, XX/XX/XXXX ) to address this matter with each credit reporting agency, but to no avail. My report continues to show incorrect outdated addressees, outdated telephone numbers no longer in use, inaccurate outdated employment history. It is imperative that my personal information be correct and updated to reflect my current address, telephone number and employment.

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 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a Capital One Spark Business Visa Credit Card. I have an Acquaintance who owed me some money. She owns a Jewelry business and asked me if she could pay me back through credits as an expense to her jewelry business into the Capital One Credit Card. I did not see any harm and she made multiple payments. All of a sudden Capital One believed that these payments were fraudulent. I was out of the country when my credit card stopped working. The caused incredible problems and stress for me. I do not know anything about whether the credits were valid or not but she did provide a XXXX  XXXX XXXX statement that showed the transfer from that account to Capital One. They placed a restriction on my account. That resulted in their returning all my auto payments for phone, utilities, etc. which was devastating because I was in XXXX. This also has impacted my credit and resulted in incredible stress. 
Approximately, a week later when I returned to the US I transferred {$30000.00} to bring the balance within my credit line, and then paid the rest of the balance. I currently owe Capital One nothing. However, they have continued the restriction and continue returning my auto payments. In addition they will not give my access to my XXXX points which is worth $ XXXX. They say that the restriction will stay until they are able to verify my acquaintance 's ownership of that account. I am trying but I have no way to do that. Therefore, they have effectively stolen $ XXXX from me. 
I did not make the payments. I have repaid every dollar of the payments that were made. Capital One has been paid in full. I can't verify the ownership of the accounts. I have called multiple times and there is no one I can talk to who can resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Transunion, XXXX, and XXXX has violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.

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. States that a consumer reporting agency can not furnish a account without MY written consent.

15 U.S.C 1681A section 2. States, The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

These items do NOT belong on my credit report : -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX -Address XXXX XXXX XXXX XXXX XXXX XXXX Fort XXXX Fl XXXX -Address XXXX XXXX XXXX XXXX apt XXXX XXXX Fl XXXX -Address XXXX XXXX ct XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-25 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: TX

Complaint narrative:
I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: MD

Complaint narrative:
There were 5 collections accounts on my report, 4 of which were medical. On XX/XX/XXXX, I checked my report and noticed my collections balance increased by {$600.00}. There was a medical bill reported by XXXX XXXX XXXX XXXX for orig. creditor XXXX XXXX for {$290.00} Account # XXXX on XX/XX/2022 and another account by XXXX XXXX for orig. creditor XXXX for {$310.00} Account # XXXX on XX/XX/2022. 
These same 2 collections were added as duplicates on XX/XX/ XXXX XXXXs if they were separate accounts. This is unacceptable and decreased my credit score as it increased my collections from 5 to 7 accounts and balance from {$1400.00} to {$2000.00}. I disputed these items and have received no response or updates. This is not only Unfair credit reporting but also inaccurate and a violation of my rights. I am sure that I am not the only person suffering from this unjust behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: MI

Complaint narrative:
In accordance to with the Fair Credit Reporting Act, the follow companies have violated my rights : XXXX XXXX XXXX Account Account # XXXX XXXX XXXX Account # XXXX State of Michigan Child Support- Account # XXXX, 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

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 2022-04-25 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: MI

Complaint narrative:
In accordance to with the Fair Credit Reporting Act, the follow companies have violated my rights : XXXX XXXX XXXX Account Account # XXXX XXXX XXXX- Account # XXXX State of Michigan Child XXXX Account # XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Spring Equity LLC
State: VA

Complaint narrative:
The company issued a check to pay back taxes in the amount of {$11000.00} however I only owed {$3600.00}. Transcripts from the IRS as well as copies of tax returns were provided SEVERAL times however they refused to correct the error. I was left with having to send the entire amount to the IRS and then wait for a refund which will tax months to receive. The person handling the issue, XXXX XXXX was totally unhelpful and unreasonable.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation