vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-29 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:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX  XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX XXXXXXXX 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

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 2022-05-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXXXXXX XXXXl XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX, XXXXXXXX XXXX XXXX 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 instructionsI

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 2022-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$690.00} ), XXXX XXXX XXXX XXXXXXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$200.00} ), XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$520.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 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 2022-05-29 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: MN

Complaint narrative:
On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$690.00} ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$200.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ), XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$520.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-29 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:
on EQUIFAX i had a hard inquiry I disputed because I didn't apply for anything for XXXX XXXX  on XX/XX/2022 then right after I submitted another inquire from XXXX XXXX showed up on my credit report XX/XX/2022. Equifax emailed me saying The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. they didn't do a investigation because I didn't apply for anything they should have deleted not add another inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: MN

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX  XXXX XXXX Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$690.00} ), XXXX XXXX XXXX  XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$200.00} ), XXXX XXXX XXXX  ( Account Number XXXX, Credit limit : {$300.00} ), XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$520.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 has 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 2022-05-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXXXXXX XXXX  XXXXXXXX XXXX, XXXX XXXX, XXXX 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 instructionsI

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 2022-05-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 instructionsI

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX2022 I received my property tax bill in the amount of XXXX which I forwarded to my mortgage company Mr. Cooper screen shot attached. On XX/XX/XXXX2022 my mortgage servicer stated they were still looking into my issue. Then on XX/XX/XXXX2022 I was sent a disbursement check in the amount of XXXX which I used to pay my property tax bill since there were no longer enough funds in my escrow account to cover my property taxes of XXXX and I did not want to become delinquent. Then on XX/XX/XXXX22 Mr Cooper paid my property taxes in the amount of XXXX which is incorrect and I want XXXX refunded to my escrow account and requested this back on XXXX XXXX, 2022. My query is still unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: NC

Complaint narrative:
Sometime closer to the start of the year 2022 HALSTED FINANCIAL SERVICES begin trying to contact ( harass ) me about an alleged debt I have never heard or seen this company prior meaning its impossible for me to have a contract or any debts owed to them on XX/XX/2022 I mailed a CEASE AND DESIST letter out that I will also copy and paste here in this complaint and the letter was received on XX/XX/2022 via certified mail and no action or remedy was taken by the company on my behalf in fact they continue to send false letters with alleged debts on them below is the letter that was mailed and received : Cease and Desist Pursuant to 15 USC 1692a ( 3 ) I am the consumer Pursuant to 15 USC 1692c ( c ), I am notifying you, HALSTED FINANCIAL SERVICES, in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums, Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor, and I am demanding all of the following : 1. XXXX out the balance on this account. 

2. I do not give HALSTED FINANCIAL SERVICES, permission to bring legal action against I, the consumer, as this would be a violation of 15 USC 1692i ( b ).

3. I do require you, HALSTED FINANCIAL SERVICES, to immediately remove information about this alleged debt from my XXXX, XXXX, and XXXX credit report which is a violation of 15 USC 1692c ( b ) and 15 USC 1692b ( 2 ).

4. I do require that you, HALSTED FINANCIAL SERVICES, satisfy demands within 14business days. Pursuant to 15 USC 1692c ( c ), this cease and desist notification shall be complete upon receipt.

5.7. Pursuant to 18 USC 8 all debt is the obligation of the United States of America I declare under penalty of perjury under the laws of the United Stat
es of America that the foregoing is true and correct. ( 28 U.S.C. 1746 ) Executed on XX/XX/2022 Without Prejudice By : XXXX XXXX XXXX XXXX XXXX. for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 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 2022-05-29 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, 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 states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
So this person I have him {$1000.00} USD on XX/XX/2022 and after that he ended up sending me malware then blocking me on all contacts and I asked paypal to give me my money back and all they said was " We've closed this case as our review showed that this transaction was processed correctly and an amount of {$1000.00} USD was successfully transfered to the XXXX on XX/XX/2022 at XXXX XXXX  PDT. '' Paypal hasn't allowed me to submit another report about this nor allow me to submit a Disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the below account has violated my federally protected rights to consumer privacy and confidentiality under 15 USC 1681 : XXXX  XXXX 15 U.S.C 1681 section 602 A : states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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 XXXX Account # 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 has reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  ( Credit Limit {$500.00}, Date Opened : XX/XX/XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: GA

Complaint narrative:
In accordance to the Fair Credit Reporting Act the below account has violated my rights for privacy and confidentiality under 15 USC1681 : AMERICOLLECT INC, 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2021, I contacted TransUnion about the following negative accounts XXXX  XXXX Inquiry on XX/XX/2021, XX/XX/2021, XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021, XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XXXX XXXX  XXXX Inquiry on XX/XX/2021, XXXX Inquiry on XX/XX/2021, XXXX - XXXX XXXX Inquiry on XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-29 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:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXXXXXX 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

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 2022-05-29 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX # XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have repeatedly attempted to resolve this with Citizens Bank 's customer support system, and they have actively neglected to follow through on any calls I have made about illicit withdrawals from my account. A data breach at Citizens occurred at some time on the XXXX of XXXX, wherein an unapproved verification deposit and subsequent withdrawal of XXXX cents by XXXX was made on my savings account. I discovered this on the XXXX of XXXX and I contacted Citizens to request that a new savings account be created and my funds transferred to it so that my money would be protected. Citizens did not do so, and then later that day on the XXXX, two XXXX dollar withdrawals happened via XXXX. I contacted Citizens again, voicing my concern and distress, and they claimed to have initiated a claim on my behalf, stating that they would contact me in 10 days if the problem had not been resolved. 

10 days later, I had still received zero contact from Citizens Bank, and still no new account had been created to protect my funds. I checked my account to find that ANOTHER two XXXX dollar withdrawals had occurred, and that the previous amounts stolen from my account had still not been returned to me. 

I have been attempting to contact Citizens Bank for the last twelve hours. There is no online system for reporting fraud, so it must be done over the phone- but their phone system frequently hangs up rather than direct you to any human operators. It will often directly hang up the instant you call them, as well. Once I finally reached an agent, the agent hung up on me when I requested to start a new claim to recover the second set of funds stolen from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-29 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: NY

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Credit Limit {$500.00}, Date Opened : XX/XX/XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-29 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: ALLY FINANCIAL INC.
State: CA

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