vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-04 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: MO

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 non-monetary relief
Consumer complaint received 2022-06-04 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: MO

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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Someone used my identity to apply for a credit card & multiple loan account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Third-party debt collector, Credence, has repeatedly sent me mail claiming that I owe an alleged debt. I am requesting that you show that I owe this debt that you are claiming I owe by providing me with the original signed contract, the chain of title, your XXXX XXXX XXXX insurance policy number, as well as your audit trail. Please do not send me an itemized statement back without providing the following information below because that is not what is accepted when it comes to validation of debt according to 12 CFR 1006.34. If you are not able to provide me the orginial signed contract, chain of title, your XXXX XXXX XXXX policy number, audit trail, or the following information, I have listed below- I am demanding immediate deletion and XXXX out of this alleged debt. 


( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).

( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

( ii ) The consumer 's name and mailing address.

( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.

( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.

( v ) The name of the creditor to whom the debt currently is owed.

( vi ) The itemization date.

( vii ) The amount of the debt on the itemization date.

( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. 

( ix ) The current amount of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04 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: Nelnet, Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my right 15 UCS 1681 Section 602 States i have the right to privacy 15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accelerated Servicing Group LLC
State: IL

Complaint narrative:
The following message was left on my voicemail at XXXX XXXX XX/XX/2022 : Hey, this is XXXX with A S. G. This is not the first time we've tried to call, and it certainly won't be the last until we can get something figured out here. I uh did want to make you aware that the extra 10 % savings applied to your uh payoff online is temporary. So I urge you to lock in the settlement on your account. Now, even if you don't have the funds to settle it, you can set up a partial payment plan, or you can schedule your settlement for a later date when you are able to pay it. As of now, no, 10 99 C tax form has been issued on this account. So please take care of it before further action is required. We do also report to the Credit Bureaus and all applicable account. So again, I urge you to take this seriously and take advantage of this offer. Our website address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That is XXXX XXXX XXXX XXXX XXXX XXXX I am legally required to inform you this is an attempt to collect a debt. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I currently have a medical debt I wasnt suppose to be charged for and never got any mail or notification of an auto withdrawal of it. Its from Mariner Finance and should be a paid as agreed and closed account. Since its paid medical debt I would like it off of all three credit reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHTS TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURISH 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 2022-06-04 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: LEXISNEXIS
State: IL

Complaint narrative:
I sent a letter on XX/XX/2022 here is my tracking number XXXX XXXX XXXX XXXX XXXX. Request to remove inaccurate information and remove personal information that i do not want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy also according to 15 USC 6802 no financial institution is not supposed to share my information to third party people.

They also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, XXXX 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. These laws are listed below. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-06-04 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:
I accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX  Original Creditor ), 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 2022-06-04 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: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Credit Card with HSBC was used fraudulently and HSBC alerts were not sent to me when fraudulent activity was occurring. I was made aware of the fraudulent activity only when I was sent a bill showing a past amount due. I immediately called HSBC to report fraud and to have the fraudulent charges removed ; however, there were finance charges and late fees derived from the fraudulent charges that needed to be removed as well. I was told that it would take a minimum of 60 days to investigate the fraud charges, but that my account would STILL BE REPORTED LATE to the credit bureaus. I was told that only AFTER the investigation I could get the finance charges and late fees removed from the account and THEN they would update the credit bureaus to update the balance. However, the bank should not report this account late or show delinquency on my credit report due to fraud. Furthermore the delinquency reporting needs to be removed from the credit report and not just the balance updated to show as paid. I have a flawless payment record that will be tarnished by the practices of HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I tried to create an account at www.experian.com to manage freezes to my credit report. The process for creating an account failed. I can not fix it. The company computer refuses to let me speak to a representative. I am being prevented from managing freezes to my credit report without spending hours with these problems.

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 2022-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
This is the third time my ID has been compromised. The first person was caught. The second person was a sibling deceased XXXX years ago. This person is ex-wife, recovering from a XXXX basically confined to the basement of my own home, she went online and forged my signature opening dozens of credit cards, in her name and her daughter 's name. Tax returns were received, my signature forged checks signed I never even saw. She was ordered the DC XXXX in XXXX of XXXX during the absolute divorce, no children with her, by the XXXX to : no longer use my last name or my address. She has been out of compliance for a year now, the law clerk told me over the phone there was nothing he could do about it, I needed a lawyer. I am XXXX XXXX XXXX with several other health issues. My oldest daughter found me atter 48 years, informed her mom whom I married in XXXX of XXXX, who discovered all of these matters. I have worked double shifts to own my home, didn't know I had XXXX grandsons plus XXXX daughters, my wife is currently doing everything she can to get me relocated. We have contacted all three Credit Bureaus, and have placed a Freeze on my accounts. I have also contacted the credit card companies as well as the IRS last XXXX. I was informed by the IRS it would take some time, however it would take some time, yet they assured me the matter will be legally handled. My current wife set up an insurance policy ID Protection Plan, where we are notified -red flag, as the person is allowing collections to take over the matter and no one knows where she is hiding. The head office of our insurance company is also involved in this matter. There should be more advocates out there for seniors, I am grateful for my current wife whom I have known almost 50 years, she went back to school at XXXX after retiring from Corporate XXXX and the XXXX went back to college for XXXX XXXX. I was very very ill upon learning of all of this, however my daughter works for my wife 's doctor, and I am taking some medications mainly for 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 explanation
Consumer complaint received 2022-06-04 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
Lexis Nexis and other entities they are connected with is in correct my information has been compromised over the years with company like the credit bureaus the 2017 XXXX breach. I am/was out on the dark web and now when I am ask qualifying question they say this information is wrong when I know for a fact when I am getting verified the info they have does not match and then I am declined of I have to jump through some other hoops i need some one to call me to correct my file you guys are so untouchable this needs to get fixed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint narrative:
I have submitted numerous complaints against equifax and equifax is not being responsive. Equifax claims that I provided incorrect information and equifax claims that equifax does not have any of my valid data. However, I have talked to an agent and the agent states " uncertain why the customer can not access data when the customer provides correct information. Also, equifax wants to have my social security number and valid address and claims that equifax does not have my specific data. However, the social security number and specific address was mailed and uploaded to equifax. So, equifax has my data and has responded to my mailing address. The behavior and communication of equifax is similar to the police-bus in Georgia where the officers blatantly lie about not searching through personal belongings while the video says otherwise. Furthermore, equifax claims that a security freeze is placed on my account while unable to verify such data. Besides, equifax does not allow US citizens to view their account regardless of any fraud data that is occurring. In summary, equifax is the worst credit reporting agency that ignores consumers and customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: IL

Complaint narrative:
On XX/XX/2022 I filed a dispute for inaccurate information and unverifiable accounts with Equifax. They have refused to follow the law as prescribed by congress under the Fair Credit Reporting Act. 
According to the FCRA 15 USC 1681 the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information of these accounts are still not reporting 100 % accurate ; and according to the FRCA 15 USC 1681 everything has to be 100 % accurate.

They also violated my rights under 15 USC 1681 Section 604A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. 
The following accounts have not been verified under the Fair Credit Reporting Act Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request copy of permissible permission used by XXXX XXXX XXXX XXXX ( XXXX XXXX and Experian in XX/XX/2017. XXXX doesn't even read requests and complaints but labels as duplicate complaints thus not allowing me to even comment. Experian is responsible to safeguard my personal information but passes the buck back to XXXX who then says they are reporting correctly. What a game for large companies.

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 2022-06-04 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 Account # XXXX, XXXX XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief