vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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 XXXX XXXX XXXX ( Original Creditor : XXXX 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. 15 U.S.C. 1681c. ( a ) ( 5 ) Section state : 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 conviction 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 customer 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 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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 XXXX XXXX XXXX ( Original Creditor : XXXX 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. 15 U.S.C. 1681c. ( a ) ( 5 ) Section state : 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 conviction 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 customer 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 2023-07-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed some items that I proved was fraudulent and the credit bureau removed the items and put them back on my report after 30 days. My rights are being violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed some items that I proved was fraudulent and the credit bureau removed the items and put them back on my report after 30 days. My rights are being violated.

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 2023-07-02 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
This company is reporting a late payment for XXXX XXXX  but this account has never been late for the life of the loan. Its simply rude representatives that do not care anything about the consumer or trying to resolve an issue that is of no fault of the consumer. This company responded to a complaint but omitted key information. The company failed to disclose that each time I called them I explained to them that I mailed in the first letter in the appropriate amount of time and was repeatedly told by the representatives that there was nothing they could do to help me and that I just needed to make regular payments. I kept calling. I did not just decline as they put in their response. That doesnt make any sense why someone would continue to call just to decline to pay. I explained that I was on XXXX XXXX in an austere environment and could not receive phone calls or mail from XXXX XXXX XXXX to XXXX XXXX XXXX. This company is lying by leaving out so many important facts. I gave them proof that I was on XXXX XXXX and the representatives laughed at my situation over the phone. I could only use the phone a few times. I sent that paperwork through the mail and whoever accepts the mail for the company did not get it to the right place. The included apology is just another slap in the face. Im never buying another XXXX after this. A horrible way to treat XXXX when I called repeatedly telling you I could not accept phone calls or receive mail and that I needed to handle the situation while I was on the phone calling YOU. I have provided proof that I was on XXXX XXXX This company is reporting this situation inaccurately. This is in violation of 15USC code 1666b. The company is also violating 15 USC code 1681i ( 5 ) by reporting inaccurate information. They keep saying that they did not receive a form back however I have repeatedly called and told them that I mailed the form in as instructed on the form. They can not provide any proof that they did not receive the form that I sent in. The requirement to provide proof is on the company and they have not done that. They just want to take advantage of a military member that had no way of contacting them except sporadically due to training. They are even misspelling my name in the responses, continuing with what seems to be the standard of reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 2023-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: NC

Complaint narrative:
I.Q. DATA INTERNATIONAL , INC reported a collection on XXXX XXXX XXXX for the amount of {$4800.00}. 
Agency Address : XXXX XXXX XXXX XXXX, WA XXXX Agency Phone XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX I.Q. DATA INTERNATIONAL , INC is a third party debt collection agency representing XXXX XXXX XXXX XXXX XXXX. I never signed a contract with I.Q. DATA INTERNATIONAL , INC. I never gave consent for these companies to use my private information. I never received a notice or method to opt-out or prevent the disclosure of my private information to third parties pursuant 15 U.S. Code 6803 Company is negatively harming my nonpublic personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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 2023-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/, a payment was made at the Macy 's location in XXXX XXXX to pay the account in full. I received a receipt along with the cancelled check used, but the payment was not applied. I received a notification over a month later that the payment was not applied. I submitted another payment at the same location on XX/XX/ for the full amount again PLUS additional fees and interest. Again, I received a confirmation along with the cancelled check. But they did not apply the payment again. After speaking with the credit card issuer, I submitted yet another payment along with their guarantees the fees would be removed and the credit report information would be updated. However, no update to the credit report was made and it is still showing delinquent.

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 2023-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Someone committed fraud and stole my identity, they had a bank account under my name called Citizens bank which I was unaware until I looked at my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: DC

Complaint narrative:
On XX/XX/2023 at XXXX XXXX I attempted to log into the TransUnion online portal. I couldn't recall my log in information so I went through their process of verifying myself with my social security number as well as answering their security questions. Having successfully answered them I still received a message stating that their online portal could not verify me and I had to call customer service. I learned from the agent ( XXXX XXXX ) that my user name was not my email, transunion should have been able to send me my username without the burden of having to call them and go through several minutes of waiting to get to speak to someone. Then when I attempted to submit my dispute online I could not, it said I had to call. Since I was one the phone with the representative I asked about that and told her I have all the correspondence here and that the issue was an issue affecting my Federal Rights to housing, their inaccurate information was denying me housing, over an issue that was inaccurately reported on my account. The representative told me I had to mail my dispute I could not fax or email it and when I asked to be transferred to a manager she stated she could not transfer me to anyone I'd have to call back. It was extremely frustrating and I recalled going through that about a year ago when I contacted every other credit agency about the dispute and they removed it from my credit, TransUnion was the only one not to. After really taking my frustrations out about this with the representative and requesting a call back from a manager, then later I discovered I could finally submit my dispute online. I feel they intentionally make it extremely difficult for the consumers to dispute the information on their reports, which causes huge impacts to individuals lives like this one for example denying me for housing even though my credit rating is over 800, because of a fraudulent landlord who claimed I owed money I did not and put me into collections, instead of taking me to court and following legal action where I could have proven my case, I've been negatively affected with an adverse action which denied me housing, there are federal laws against that. TransUnion needs to stop making it nearly impossible for consumers to dispute false claims on their reports and allow consumers to use their online portal to dispute transactions.

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 2023-07-02 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: TX

Complaint narrative:
I have tried numerous times to solve this issue with experian and XXXX and they continue to willfuly ignore what I am telling them to do. I have asked them to remove the following addresses from my consumer report XXXX XXXX XXXX, mi XXXX I have never lived there and also XXXX XXXX XXXX XXXX tx i also do not live there the only address that should appear on my report is the address in this complaint. Also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is any other promotional inquiry that is not suppose to be there because I did not put it there. XXXX is also reporting negative remarks on my consumer report when the account states that it has been discharged, and XXXX XXXXXXXX sent me copy b of a 1099 c they have done which states they have discharged the debt I also opt out of any promotions due t the privacy act of 1974. Experian and XXXX continues to do what they want to do with my consumer report and they are not complying to federal laws. Also the following companies are reporting that they continue to have deleted from my consumer report XXXX XXXX XXXX XXXX and XXXX XXXX XXXX They have not sent me a free report due to identity theft they continue to want me to pay them and all the promotional inquires lets me know that they continues to sale my identity to companies which is against the law when i have already opted out of them doing so years ago.

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 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
removed connsumer statement and fraud alert without consent on credit report while chaging address to a Michigan address that no creditor is reporting. 

I reported a change of address to all creditors in XXXX, XXXX, XXXX, and added consumer statement with fraud alert inXX/XX/XXXX and that was deleted along with fraud alert.

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 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
removed connsumer statement and fraud alert without consent on credit report while chaging address to a Michigan address that no creditor is reporting. 

I reported a change of address to all creditors in XXXX, XXXX, XXXX, and added consumer statement with fraud alert in XX/XX/XXXX and that was deleted along with fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
State Collection Service , inc have communicated an assumed debt to me without validating it nor did I give express written consent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: CA

Complaint narrative:
I received a collection notice from Unifin , Inc. dated XX/XX/XXXX. According to the notice I owed {$11000.00} to XXXX XXXX XXXX for a credit card with XXXX. The debt was from XX/XX/XXXX and the balance owed to XXXX at that time was {$8000.00}. Between XX/XX/XXXX and the date of the letter I was charged {$4900.00} in interest. On XX/XX/XXXX I replied to their letter " this is not my debt ''. On XX/XX/XXXX I received 2 letters from XXXX XXXX Services.Both letters were dated XX/XX/XXXX and both referenced the same collection with XXXXXXXX XXXX and XXXX. The first letter was letting me know they had received a recent inquiry from XXXX XXXX regarding the XXXX account. The second letter was a copy of the account summary they provided. 
According to the Account Summary the account was opened XX/XX/XXXX, and was charged off on XX/XX/XXXX for {$8000.00}. 
To the best of my knowledge I have never had a credit card with XXXX. So naturally I am very concerned that someone opened an account under my name. 
But why is this the first time I'm hearing about it? No one has ever contacted me before. 
And why are they trying to collect on a debt that was charged off 18 years ago? 
Their letter even states " the law limits how long you can be sued for a debt and because of the age of the debt they will not sue me or report it to any credit agency. '' I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp
State: NY

Complaint narrative:
Company reports that I was evicted, but I have never been evicted nor had an eviction process initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Synovus Bank
State: TN

Complaint narrative:
I applied and got approved for a first digital card. I gave them my address in Montana because I am a travel worker. 2 months later my card still hasnt arrived. I requested a new one and they assured me that it would be here within 14 days. Still no card. I have until this month to activate a card before my account gets cancelled and they steal my membership fee and annual fee. They are aware of this situation, and chose to do nothing about it. Upon my last complaint I was told I could cancel my account with the card numbers on the card provided to me. No card was provided! They are literally stealing my money and trying to get away with it! They reached out to me on XX/XX/XXXX with the cancellation suggestion and I cant even navigate the phone menu because I dont have a card! And I was assured on XX/XX/XXXX I would receive my card in 14 days

Company response to consumer: Closed with explanation