vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 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: WI

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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient ( then Sallie Mae ) used predatory and abusive service practices to a student ( myself ) to receive a student loan for a XXXX  college ( in XXXX  at time of original loan ). There is a class action lawsuit for them for this same thing in which I fit the same parameters of the lawsuit in the exact time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
There were two international wire transfers sent to Ally Bank from XXXX XXXX in XXXX. The transfers were sent with an intermediary bank, XXXX XXXX XXXX on XX/XX/XXXX. The first transfer is for the amount of {$8700.00} and the second transfer is for the amount of {$7600.00}. These transfers are income tax returns for mine and my wife 's two years of employment in XXXX. XXXXXXXX XXXX confirmed that it was received by XXXX XXXX XXXX. However, Ally Bank had not received the transfers and the money was never deposited into our accounts. Ally Bank has stated that they have no record of any transfer with those amounts. The sender, XXXX XXXX XXXX XXXX, sent these funds and has sent a wire trace which confirmed that XXXX XXXX XXXX has received and sent the money and I requested an inquiry on XX/XX/XXXX to Ally Bank after which they reported on XX/XX/XXXX that they did not receive any money transfer.

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 2022-06-01 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: PA

Complaint narrative:
I have contacted the credit reporting agency on XXXX different occasions regarding inaccurate items reporting on my TransUnion report. This had been completed by mail on XX/XX/XXXX, once on the agencys website, and by phone call. The individual I spoke to verified my information at the beginning of the call, in order to proceed with the call. I explained that there are inaccurate items reporting to my TransUnion report that I wanted to update, and some unauthorized items removed. This included misspelled names, inaccurate information regarding my personal identifiable information, an alleged account that is not accurately reporting and inquiries that I have no knowledge of, let alone open accounts with the companies. The representative informed me that these items will be removed, and my information will be updated to report accurately. As of this date, I have not received any documentation regarding my initial dispute to show if the items Ive complained about are being investigated, updated, etc. On XX/XX/XXXX, I received a letter in the mail from TransUnion ( attached to this complaint ) that not only ignored my disputes, but still failed to assist me with the issues Ive contacted them about. I now feel that my concerns are being ignored and I am being taken advantage of.

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 2022-06-01 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-01 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: TN

Complaint narrative:
I applied for a car at the car dealership and I had alot of hard inquiries. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX

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 2022-06-01 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: TN

Complaint narrative:
I applied for a car at the car dealership and I had alot of hard inquiries. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX

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 2022-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
amount XXXX on XX/XX/XXXX unauthorized bitcoin transaction, amount XXXX dtd XX/XX/XXXX to XXXX XXXX. amount XXXX XX/XX/XXXX to a XXXX XXXX. amount XXXX XX/XX/XXXX. Ive attempted to contact cash support mutiple times on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and regarding these unauthorized charges. Cash app states they investigated the matter and the transactions are linked to a phone I have been using with them which are completely false. I have never used my phone to complete these transactions. my cash apped was hacked mutiple times and each time I changed my password it was changed with out notification to my email. The email was being changed on cash app as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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 the following accounts have violated my rights : XXXX XXXX XXXX Opened XXXX {$4300.00} 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 2022-06-01 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: AL

Complaint narrative:
in accordance with fair credit reporting act convergent account XXXX XXXX XXXX ON XXXX AND account XXXX XXXX XXXX ON EQUIFAX 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 aslo states a consumer reporting agency can not a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
I received another call today from this company, they left a voice mail. They called at my home number both this time and in the past. They called at XXXX XXXX  on XX/XX/2022. Their call back number is XXXX. The called ID number was XXXX. The keep calling about a " Milestone '' account. I do not, and have never had an account with them and they have been unable to find me in their system by social security number. I have called them multiple times now and each time the agent says it is a mistake and they will remove the number but I keep getting calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
For over 5 years now I have been disputing items on my credit report one is XXXX  XXXX XXXX on all XXXX bureaus and XXXX  on equifax and XXXX they both were removed because of fraud but after 5 months showed up again which is illegal for them to keep reporting a fraud account they say it will be removed now in 30 days and absolutely do nothing about it.And now due to a mixup on there end I have some type of collection reporting which has nothing to do with me on all XXXX bureaus it is sunrise collection agency and that is fraud as well.Sent them all the documents requested they remove it and after a few months report it again and XXXX has been charging me for the past 4 months and it keeps saying I cant check my XXXX or equifax because someone elses information has been mixed with my credit file but yet charge me XXXX every month for services I cant use and when I call them they say they will issue refund but nothing happens I would greatly appreciate it if you can assist me in this matter thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: CA

Complaint narrative:
For over 5 years now I have been disputing items on my credit report one is XXXX  XXXX XXXX on all XXXX bureaus and XXXX  on XXXX and XXXX they both were removed because of fraud but after 5 months showed up again which is illegal for them to keep reporting a fraud account they say it will be removed now in 30 days and absolutely do nothing about it.And now due to a mixup on there end I have some type of collection reporting which has nothing to do with me on all XXXX bureaus it is sunrise collection agency and that is fraud as well.Sent them all the documents requested they remove it and after a few months report it again and Experian has been charging me for the past 4 months and it keeps saying I cant check my XXXX or XXXX because someone elses information has been mixed with my credit file but yet charge me XXXX every month for services I cant use and when I call them they say they will issue refund but nothing happens I would greatly appreciate it if you can assist me in this matter thank you.

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 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
I check my credit every now and then I checked it today and noticed my score was way down I seen an account for aspire I did not open this account I am so mad the bill is {$500.00} I lost my phone for two weeks Im assuming thats how someone got my information please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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:
I sent my letter off on XXXXXXXX XXXX2022. I Told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. The Credit bureaus stated my account was properly invested but how is that possible if the accounts have multiple inaccuracies. Also I have attached the letter I sent out and here is the Tracking # XXXX According to the FCRA The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the Consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information.

They Also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Accounts : XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX  XXXX ( XXXX XXXX ) XXXX XXXX XXXXXXXX ( XXXX XXXX ) XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX  ( # XXXX ) I'm requesting a XXXX dollars per violation or Deletion of the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: SC

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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, US Dept ED Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 convictions 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX  Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Account number XXXX, has violated my rights 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 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX  Account number XXXX, XXXX  XXXX XXXX  Account number XXXX, XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account number XXXX, has violated my rights 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 2022-06-01 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 the following accounts have violated my rights : XXXX XXXX XXXX Opened XXXX {$4300.00} 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 2022-06-01 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 the following accounts have violated my rights : XXXX XXXX XXXX Opened XXXX {$4300.00} 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 2022-06-01 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 XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Credit Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX  XXXX Reference Account # XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX 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 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