vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-26 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: FL

Complaint narrative:
I have contacted all three credit agencies concerning XXXX XXXX for years now after disputing that I did not have any late payments. Not knowing much about credit and fraud at that time. Now I study the consumer laws to help myself get back what I was trying to achieve with credit. I sent XXXX XXXX many letters to rescind and opt out because of Identity reason and they did not give me that disclosure in BOLD letters giving me the option to opt out. Also this company created fake accounts around 2016 and now doing illegal transactions once again. Attaching my letters which was sent to the agencies. 

Notice ; I am opting out with the notice of right to rescind. XXXX XXXX never gave me that right, a creditor shall deliver two copies of the notice of the right to rescind and shall identify the transaction or occurrence and clearly and conspicuously disclose the ONE to FIVE above. This is my RIGHTS.

6801. Protection of nonpublic personal information ( a ) Privacy obligation policy 1681b. Permissible purposes of consumer reports ( a ) In general - Subject to subsection ( c ), ( 1 ) ( 2 ) This letter is in good conscience because I did not give anyone permission to report any of my information. They took my information and transferred it to a non-affiliate third party without my permission and created the profile that supposed to represent me the consumer that which I did not approve of. According to these laws, is that not identity theft?

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 2022-12-26 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: FL

Complaint narrative:
I have contacted all three credit agencies concerning XXXX XXXX for years now after disputing that I did not have any late payments. Not knowing much about credit and fraud at that time. Now I study the consumer laws to help myself get back what I was trying to achieve with credit. I sent XXXX XXXX many letters to rescind and opt out because of Identity reason and they did not give me that disclosure in BOLD letters giving me the option to opt out. Also this company created fake accounts around 2016 and now doing illegal transactions once again. Attaching my letters which was sent to the agencies. 

Notice ; I am opting out with the notice of right to rescind. XXXX XXXX never gave me that right, a creditor shall deliver two copies of the notice of the right to rescind and shall identify the transaction or occurrence and clearly and conspicuously disclose the ONE to FIVE above. This is my RIGHTS. 

6801. Protection of nonpublic personal information ( a ) Privacy obligation policy 1681b. Permissible purposes of consumer reports ( a ) In general - Subject to subsection ( c ), ( 1 ) ( 2 ) This letter is in good conscience because I did not give anyone permission to report any of my information. They took my information and transferred it to a non-affiliate third party without my permission and created the profile that supposed to represent me the consumer that which I did not approve of. According to these laws, is that not identity theft?

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 2022-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Earm LLC
State: KS

Complaint narrative:
The gentleman, XXXX XXXX, who calls has done so numerous times regardless of blocking, speaking to him/them, and calling them back. I have called them back and asked for verification of debt. They could not provide that. The recordings and the communication from the " company '' are threatening. I have called back on " off hours '' and it rings nearly 20 times before rolling to an " old school '' answering machine. It is XXXX XXXX 's voice on the recording which is interesting if this is supposedly a company -- even their cover story has holes. He states it is " MAC  ''. Which may be this company? The number and XXXX have been reported to CFPB. 
https : XXXX The voice message claims a debt and threatens with legal action, arrest, etc. When speaking to them they claimed information from well over a decade ago that was actually paid and was from an account that was closed YEARS ago from XXXX  XXXX XXXX. 

Number they ask you to call back is : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-12-26 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: NV

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave the credit agency any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this dispute letter. 
Concerning the account listed below as a consumer I'm demanding a deletion of this account. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX has already deleted these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: CA

Complaint narrative:
Almost all of experian information about me is wrong and when i told them to remove it they wanted to adjust the inaccurate information to be correct i told them, your kidding right that needs so instead they created another file insteAd of removing the inacurate info. Also they have the most basic things wrongs first of all my name on my id and birth certificate is not even on my file yet they have like XXXX alias listed not XXXX  is my legal proper name i told them if the name thats not on my social birth certificate and drivers lisence is not the name on your file remove it the told me i must tell them XXXX by XXXX each name u want us to remove i told no look at my social birth certificate and driver liscense i provided it and if it dosent match remove it later i got a letter that my submissions were inlegible or they couldnt see it because the images were bad which is balonge. Also my social security number listed is not mine its the wrong number so if the number they have listed is wrong why are there some many things in my consumer credit report that is connected to my correct ss number??? Once again how is there anything at all on my credit report if experian dosent even have my correct $ $ number the second digit of the last XXXX  of my social is wrong i told them and they created a XXXX profile now thats fraud i have XXXX credit report files at experian now and the us giverment wanted to use XXXX to verify people identidication i think they need to keep that in house .so they did not correct any information they have my incorrect name and social security number yet theres things on my file where the socials dont match to what they experian have on file also i paid for thedt protection one million dollar gurantee i suffered a financial loss because of idenity theft i tried to contact them to make a claim they just ignore me they ignored all my request to remove inaccurate things on my report and info. Yet they post things that have mismatched ss # on my report. No wonder i cant get approved for even a XXXX  dollar credit card experian has my social security wrong thats why everyone says they cant verify my information ugggh

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: FL

Complaint narrative:
I have attached 2 FTC reports with inquiries I did not authorize, Please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
Fake bank text and link that I have not opened.

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 2022-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: FL

Complaint narrative:
The Following Account : AMERICOLLECT Last reported XX/XX/XXXX {$130.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Placed for collection Original creditor name XXXX XXXX This account is not valid. I had active XXXX  XXXX under my social security number at this time and this was covered. The original creditor is responsible for this balance if they did not submit it to the correct insurance for payment as they were given all of this information at the time of care. This needs to be removed from all 3 of my credit reports at once as it is detrimental to my credit as well as keeping me from being able to continue on with my life as needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681 . I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

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 2022-12-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 
Account # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 
Account # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: FL

Complaint narrative:
I XXXX XXXX continuously contact XXXX XXXX  multiple times about this fraudulent charge on my account for {$290.00} on XXXX XXXX. The representative claimed they forwarded it to the fraudulent specialist but I was never contacted. I XXXX XXXX again contacted XXXX XXXX  XXXX XXXX The supervisor stated to me that there where going to forward my complaint to the fraudulent team. No one ever gave me a call or send me mail to my home.I XXXX XXXX again contacted XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 
Finally on XX/XX/XXXX am email was sent to my email stating that XXXX XXXX  sent my concerns to the fraudulent team. I am still waiting!

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 2022-12-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company 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 2022-12-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company 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 2022-12-26 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: Global Lending Services LLC
State: SC

Complaint narrative:
In accordance with the fair credit reporting act, GLOBAL LENDING SERVICE Funding Account # XXXX has violated my rights. 15 u.s.c 1681 section 602 I have the right to privacy. 15 u.s.c. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without instructions. This company is under instigation and should not be reporting to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Accurate Background
State: MD

Complaint narrative:
I was not made aware that I can opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
In accordance with the fair credit reporting act, CB/NY & CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Funding Account # XXXX, # XXXX, # XXXX has violated my rights. 15 u.s.c 1681 section 602 I have the right to privacy. 15 u.s.c. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 
Account # 's XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: IL

Complaint narrative:
transunion removed 3 inquirys from my record but heres some that they should of removed but didnt please reveiw these XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 these are result of fraud and should be removed

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 2022-12-27 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX has violated my rights. 
Account # 's XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief