vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  to the following Accounts # On XXXX 1.XXXX  XXXX XXXXXXXX XXXX # XXXX, TransUnion 2. XXXX acct # shows 2 late payments 3. XXXX XXXX shows 3 late payment 4. XXXX XXXX shows 2 late payments 5 XXXX shows 2 late payments. 
According to the the below statues my rights have been violated. Under the following : 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Each of the XXXX major credit bureaus are in direct violation of their reporting. 
I request that these be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX to the following Accounts # On XXXX 1.XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX 2. XXXX acct # shows 2 late payments 3XXXX XXXX XXXX shows 3 late payment 4. XXXX XXXX shows 2 late payments 5 XXXX shows 2 late payments. 
According to the the below statues my rights have been violated. Under the following : 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Each of the XXXX major credit bureaus are in direct violation of their reporting. 
I request that these be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After careful reviewing my credit report, i noticed accounts which are not mine. 
I have never applied for these creditors, i don't have any contracts where is my signature on with these companies. 
I believe, that someone stole my personal information, i applied for police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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: FL

Complaint narrative:
In accordance with the Fair credit report act 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 instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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: FL

Complaint narrative:
In accordance with the Fair credit report act 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
On XX/XX/2021, request a disbursement from my XXXX XXXX  account XXXX, registered in XXXX XXXX XXXX XXXX, for a value of {$35000.00} USD, with transaction reference XXXX, destined for my savings account registered in XXXX, this transfer was received by the international trade XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/2021, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed me via email that the money had been returned, said return should be reflected in 3 business days again in my XXXX XXXX XXXX account., which to date is not reflected. 

Since that date, through phone calls and emails, I have requested information on the process of returning the currencies to my trading account. 

On XX/XX/2021, through a file, they sent me a proof document, where XXXX XXXX authorizes an intermediary bank to debit foreign currency for a value of {$35000.00} USD. 

The document that XXXX XXXX sending to the email, it only contains the transaction order, but not the location of the intermediary bank that would execute said operation, therefore, not knowing the whereabouts of the money, request the XXXX XXXX XXXX of XXXX XXXX which will track the location of the money. 

Through electronic means they sent me another document that contained the SWIFT address of the intermediary bank to which XXXX XXXX had authorized to carry out said operation, XXXX, CITIBANK N.AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The CITIBANK bank is located in XXXX XXXX XXXX XXXX they informed me by phone and email that since they do not have any type of financial service with them, I can not make any type of request. 

Currently the money is held in XXXX, CITIBANK N.A. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The unjustified withholding of money has caused irreparable damage to my economy, starting from the loss of profitability that could have been generated during these months, the loss of my business and the bankruptcy of my company, the credit data report for the arrears and the debt that has become massive, because this disbursement was an integral part of my economy, being withheld for so long, I was financially suffocated and could not keep my economy standing, currently I still have payment commitments with the which I must fulfill, and this money is the only thing I have left.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The list of accounts below is reported inaccurate on my Equifax consumer report. these items have violated my consumer rights under the Fair Credit Reporting Act. It has no account name and it only reports to Equifax. As mandated in 15 U.S. Code 1681i Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXAccount Name : XXXX XXXX Account number : XXXX *Account name : XXXX XXXX XXXX Account number : XXXX *Account name : XXXX XXXX Account number : XXXX *Account name : XXXX Account number : XXXX *Account name : XXXX XXXX XXXX XXXX Account number : XXXX *Account name : U S DEPT OF ED/XXXX Account number:XXXX *Account name : XXXX XXXX Account number : XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report on the previous files. I am a victim of identity theft and did not authorize these charges. I am asking that these charges on my report be removed to correct my credit report. I have already reported the theft to the Federal Trade Commission 's Identity Theft Affidavit. I would greatly appreciate that these charges are deleted from my report as soon as possible because it is hindering me. I would like to advance my lifestyle and I would need these things situated as soon as possible to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 section2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act the following company & accounts have violated my rights ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act the following company & accounts have violated my rights ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Where to start .... I have an in accurately reported S.S #. Experian deleted without authorization an account that was in very good standing and reported as such! The account that was deleted and their refusal to fix/rectify the problem has DRASTICALLY affected my FICO Score. I even contacted the original creditor who in turn told me that Experian has to fix the problem and that they ( creditor ) couldn't not do anything on their end, because the account was paid in full and then closed! Experian has refused time and time again to DELETE incorrect collection accounts, because their justification is that it is tied to an address I have never lived at. The address is a Commercial Property that they have listed as residential. Again, I have never been associated with. Experian is also failing to include new accounts in good standing stating that it's not their problem it the company that reports. When I have spoken to the reporting companies, it's protocol to report to all 3 Credit Reporting Bureaus, because they are Credit Builder accounts. Experians point scoring is either significantly LOWER than other agency 's or SCORING NEVER CHANGES!! Experian is also reporting Medical items/charge offs/deliquencies that should not be reported at this current time!! They are purposely ham-stringing citizens and preventing them from squirting credit, because of TERRIBLE/INACCURATE REPORTING! PLEASE INVESTIGATE EXPERIAN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: FL

Complaint narrative:
What happened? 
XXXX XXXX XXXX has flagged your account as Charged off as bad debt with XXXX, which may negatively impact your credit score based on TransUnion data.

Source : TransUnion Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Activity : Charged off as bad debt 15 U. S. C.1681 section 602 A States I have the right to privacy 15 U. S. C. section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Hello, I received a letter from a collection agency ( Convergent Outsourcing, Inc. ) dated XX/XX/2022. I attached a copy for your review. 

The letter claims that I owe {$50.00}, however, I paid my final bill to XXXX which was actually {$85.00}. I have attached evidence of this as well. 

The debt amount does not even make sense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: KY

Complaint narrative:
Sent a validation letter certified to Commonwealth Financial XXXX XXXX XXXXXX/XX/XXXX. This company failed to submit all requested information listed in letter. They only sent an itemized bill and failed to take off my credit report and what I requested on the validation letter including signatures for services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had opened an account with Citi Bank ; and, without my knowledge or permission, they sent me bills electronically. 
I used to work in internet security so am very familiar with the viruses that are spread by emails masked as being from financial institutions so I do not accept any bills via email, I expect bills to be mailed to me.. 
Since I did not receive any bills, I did not know I was past due and accruing interest charges. 
When they eventually called and I figured out what was going on ; I said I would pay the principal but not the interest because they did not get the bills to me. 
I sent the attached letter with my last check reiterating that I was not paying the interest. 
The letter did not make any difference to them, they continue to call and I continue to say that I am not paying any interest on these charges. 
Now, they have turned me over to a collection agency which is beyond infuriating

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, XXXXXXXX Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: LA

Complaint narrative:
I, XXXX XXXX, a federally protected consumer, am filing this complaint against XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX and there is no third party involved. I have sent out a letter to XXXX XXXX mailed certified dating XX/XX/XXXX. XXXX XXXXXXXX is in violation in regards to the information being furnished on my consumer report. I, the consumer, never gave XXXX XXXX any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following fraudulent inquiries from XXXXXXXX XXXXXXXX and XXXX XXXX XXXX  XXXX. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. XXXX. XXXX  XXXX : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be remove from my consumer report within XXXX ( XXXX ) DAYS! If my demands are not met, I will hold XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( XXXX ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report on the previous files. I am a victim of identity theft and did not authorize these charges. I am asking that these charges on my report be removed to correct my credit report. I have already reported the theft to the Federal Trade Commission 's Identity Theft Affidavit. I would greatly appreciate that these charges are deleted from my report as soon as possible because it is hindering me. I would like to advance my lifestyle and I would need these things situated as soon as possible to do so.

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