vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 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 reporting act, XXXX XXXX  ( account # XXXX ), XXXX XXXX  ( account # XXXX, and account # XXXX ) have violated my rights. 
15 U.S. 1681 section 602 A states I have the right for privacy.

15 U.S, c1681 section 2 : it also says a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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 reporting act, XXXX XXXX XXXX account # XXXX ), XXXX XXXX  ( account # XXXX, and account # XXXX ) have violated my rights. 
15 U.S. 1681 section 602 A states I have the right for privacy.

15 U.S, c1681 section 2 : it also says 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 2022-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATIONAL CREDIT SYSTEMS is reporting an account to my consumer report causing defamation to my character. NATIONAL CREDIT SYSTEMS has identified XXXX XXXX as the supposed original creditor for this alleged debt. I contacted XXXX XXXX and they informed me that they filed a XXXX Cancelation of debt with the IRS for this account and the account has been paid. NATIONAL CREDIT SYSTEMS is attempting to collect the same amount XXXX XXXX wrote off with the IRS. This is tax fraud and I will report you to the IRS. The IRS defines a written off account as income and income is NOT reported on a consumer report. NATIONAL CREDIT SYSTEMS is attempting to extort me by furnishing this written off income to my consumer report in order to coerce me into making a payment. This is a criminal offense punishable by fine and imprisonment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im accordance with the Fair Credit Reporting Act : XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank # XXXX and XXXX XXXX Bankruptcy 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 instruction

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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im accordance with the Fair Credit Reporting Act : XXXX XXXX # XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ending XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX Bank # XXXX and XXXX XXXX Bankruptcy 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have filed complaints a couple other times against XXXX XXXX XXXX. They were not reporting and were not reporting correctly to my credit profile on the XXXX accounts. They came back saying XXXX they updated the accounts to the bureau but had an issue reporting to XXXX. After that they stated XX/XX/XXXX they updated everything through XX/XX/XXXX. However as you can see on my credit report is still showing as later or XXXX  days past due and not updated on payments for XX/XX/XXXX, XXXX, XX/XX/XXXX and now XXXX. All XXXX bureaus reflect nothing no payment at all good or bad. Status of the accounts are not updated as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: PA

Complaint narrative:
I have filed complaints a couple other times against XXXX XXXX XXXX. They were not reporting and were not reporting correctly to my credit profile on the XXXX accounts. They came back saying XXXX they updated the accounts to the bureau but had an issue reporting to Experian. After that they stated XX/XX/XXXX they updated everything through XX/XX/XXXX. However as you can see on my credit report is still showing as later or XXXX days past due and not updated on payments for XX/XX/XXXX, XXXX, XX/XX/XXXX and now XXXX. All XXXX bureaus reflect nothing no payment at all good or bad. Status of the accounts are not updated as well

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 2022-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
They never informed me about the dispute policy and I contacted them many times to cancel my service but they did not cancel the service and now they are not picking my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: Self Financial Inc.
State: GA

Complaint narrative:
Your company is reporting late payments to my consumer report. This is a direct violation of the FCRA. 15 USC 1681 ( 2 ) ( a ) ( i ) clearly states the definition of a consumer report and what is excluded from a consumer report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IF TRANSACTIONS AND EXPERIENCES ARE EXCLUDED FROM MY CONSUMER REPORT WHY ARE YOU REPORTING LATE PAYMENTS ( transactions ) ON MY CONSUMER REPORT?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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 Council Reporting Act, these following account numbers have violated my rights : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 

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

15 U.S.C 1681 section 604 A Section 2. 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 2022-06-15 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 reporting act XXXX account # XXXX, Account name 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 section 604 A Section 2 : it Also States a consumer 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 2022-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
They are scammers who took money without informing me and not responding to my messages & call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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 Council Reporting Act, these following account numbers have violated my rights : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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:
n accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights to privacy. 

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 2022-06-15 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:
n accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights to privacy. 

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 2022-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
In XX/XX/XXXX XXXX sent a request for approval of services to my insurance with XXXX  and was approved but NEVER sent the bill to them. XXXX is trying to get me to pay for the service after only my primary insurance ( XXXX XXXX  ) paid some of the bill. I called XXXX in XX/XX/XXXX asking why was my bill not sent to XXXX. They didnt have an answer and said they would send it to them and that the debt collection will be removed from my credit report, but it has not. It came back as correct when I disputed it with the credit bureaus. And its for {$750.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are incorrect information on my credit 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 2022-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
I bank with Chime, unfortunately, but not for much longer after this experience. 

Sunday, XX/XX/XXXX, I woke up at about XXXX. I immediately saw that there were 5 new charges on my card. 

XXXX XXXX on XX/XX/XXXX : {$100.00} XXXX XXXX on XX/XX/XXXX : {$30.00} XXXX XXXX XXXX XX/XX/XXXX : {$65.00} XXXX XXXX  XXXX on XX/XX/XXXX : {$4.00} XXXX XXXX  XXXX on XX/XX/XXXX : {$4.00} I immediately cancelled my card and called Chime while I was looking for my purse. My car 's passenger door was just slightly open ( I guess I had left my purse in the car after carrying in groceries the day prior ). My purse also had my roommate 's card in it so I could grab them something the day prior. They charged my roommate 's card for a couple XXXX as well. Chime said, on the XXXX, that these transactions were still pending so they couldn't do anything. It was frustrating, but okay, you know? What could I do. 

XX/XX/XXXX the charges finally cleared. My roommate and I both disputed the charges immediately and received an email saying they would investigate. Less than an hour later, I got a denial. I called to figure out WHAT in the world would cause a denial, as they sent absolutely no information as to why. I called to let them know I had a police report, I needed this reopen. A simple investigation would show that what I'm saying is the truth. I even sent them the police report when they agreed to reopen it. I immediately received a denial again and they said they would send me documents as to why within 10 days ( 10 days??? ) My roommate, however, was immediately given a temporary credit and her investigation is still ongoing. She never filed a police report. She never even had to call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2022-06-15 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: GA

Complaint narrative:
Your company is reporting late payments to my consumer report for an account with US DEPT OF ED. This is a direct violation of the FCRA. 15 USC 1681 ( 2 ) ( a ) ( i ) clearly states the definition of a consumer report and what is excluded from a consumer report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IF TRANSACTIONS AND EXPERIENCES ARE EXCLUDED FROM MY CONSUMER REPORT WHY ARE YOU REPORTING LATE PAYMENTS ( transactions ) 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 2022-06-15 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: GA

Complaint narrative:
Your company is reporting late payments to my consumer report for an account with US DEPT OF ED. This is a direct violation of the FCRA. 15 USC 1681 ( 2 ) ( a ) ( i ) clearly states the definition of a consumer report and what is excluded from a consumer report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IF TRANSACTIONS AND EXPERIENCES ARE EXCLUDED FROM MY CONSUMER REPORT WHY ARE YOU REPORTING LATE PAYMENTS ( transactions ) 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 2022-06-15 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 XXXX account # XXXX, Account name 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 section 604 A Section 2 : it Also States a consumer 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 2022-06-15 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 reporting act XXXX account # XXXX, Account name 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 section 604 A Section 2 : it Also States a consumer Agency can not furnish a Account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2022-06-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives 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 deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-06-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
There are incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: SC

Complaint narrative:
There are incorrect information on my credit 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