vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 2022-10-06 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: MO

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 XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 2022-10-06 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: MD

Complaint narrative:
My actual complaint is about EQUIFAX, Inc.. I had a public record - bankruptcy recently removed from my credit report between XX/XX/XXXX and XX/XX/2022. When I reviewed my credit report it showed that my score DECREASED by XXXX points instead of Increasing, due to a public record being removed. I contacted Equifax and the only thing they said is that I dont have any public records showing and my score must've decreased for another reason. First of all I am utterly shocked at the stupidity and ignorance of the representatives Equifax has hired to be over such a highly rated scoring system, a system that can make or break you. And they were totally oblivious and of NO HELP AT ALL. I need to have this researched and rectified. I have copies of the Equifax report that shows the score changes and the remarks. I am currently trying to purchase a home and do not need my score sabotaged by Equifax and their faulty scoring system. Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act this list below of accounts have violated my federally protected consumer rights to privacy and confidentiality under the USC 15 1681 section 602 I believe it is. 
It also states that a credit reporting agency can not furnish any report without permissible instruction. 
I have disputed several times with all credit agencys and they rebutted with a denial stating the info was verified however they don't provide me with any proof or reason Mt disparate was denied. Thank you for your assistance with this after. I will list all accounts below that this complaint is referring to. 

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 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 2022-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
The end of XXXX this year I was contacted by someone who said they were from XXXX and had a crypto deal were I could invest {$100.00} and get {$500.00} in return. When I sent the money they said that package was no longer available and I needed a package of {$500.00}. After that was sent I was told in needed to send a withdraw fee. Every time I sent money they had a different reason of why my account was frozen and I needed to send more money. I had access to my account and could see my deposit and what it was worth. After sending over {$11000.00}, and still more reasons why I needed to send more, I stopped sending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: NC

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, please have these adrresses removed from my report. Please send an updated copy of my credit report to the above address listed on my ID. According to the act, there shall be no charge for the updated report. 

XXXXXXXX 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
In accordance with the " Fair Credit Reporting Act '' this creditor has violated my rights. Under 15 USC 1681 SEC 602 states, " I have the right to Privacy ''. 15 USC 1681 SEC 604a SEC 2 it also states the 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 plan as late for ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I submitted a dispute with TransUnion in regards to XXXX and their current reporting of my having a delinquent loan with them. TransUnion is the only credit reporting agency that is reporting this loan, as it is illegal and predatory in nature. They did not investigate. Their only response was " creditor disagrees. '' It remains on my TransUnion credit report, affecting that score. 

XXXX was sent a letter of ACH authorization revocation on XX/XX/22. It had come to my attention at that time that not only were they not licensed to supply loans in the state of Michigan, they were also in violation of state laws in regards to maximum loan amount, loan term, and maximum finance rate and fees. I have paid over {$3400.00} on a {$2000.00} loan, yet my balance on the loan is still well over {$2300.00}. How is this possible? However, they are continuing to report to TransUnion that I'm " late '' on payments. 

TransUnion clearly did not truly investigate my online dispute. Since that time, I have filed a paper complain via the mail, along with documentation, and I am hoping that they will do a better job this next time around.

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: The Savings Group, Inc.
State: CT

Complaint narrative:
I initially reached out to RateGenius for a potential auto loan refinancing. 

I noticed that they did hard inquiries, so I canceled the request. It shows canceled on their dashboard. 

16 days later, I received a notification that a hard inquiry was pulled on my from a company working with RateGenius, the new company working with RateGenius is called XXXX. 

I'm currently discussing the issue with the representative from XXXX assigned to my refinancing loan ; he has currently asked if I finished an application at XXXX this morning my time, to which I said no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-06 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: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: MI

Complaint narrative:
I received a call from a debt collection service  representing XXXX and the rep explained that I owed XXXX dollars I explained to him that I had questions about this debt and asked if I could verify the debt or receive verification it was me he tried to verbally verify the debt which was not fair. I have recently filed a complaint against XXXX and since they could not verify the debt they have sold the debt again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-06 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: NC

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, please have these adrresses removed from my report. Please send an updated copy of my credit report to the above address listed on my ID. According to the act, there shall be no charge for the updated report. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX

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 2022-10-06 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:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SCA Collections, Inc.
State: AL

Complaint narrative:
SCA Collections XXXX XXXX I attempted to call and pay a debt but was then informed I had debts that do not exist that I had to pay. All for things I never heard of or was a party 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 2022-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
XX/XX/2022, I checked my XXXX credit report due to me trying to purchase a home. After checking, I realized there was a collections account from Receivable Performac. What is bothersome to me is that, I did not receive any correspondence in regards to the debt, however the debt is listed as collections on m 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 explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MO

Complaint narrative:
On Wednesday, XX/XX/XXXX, at XXXXXXXX XXXX  I used my Chime debit card to purchase gas at XXXX  in XXXX, Missouri. At XXXX XXXX my card was used for a purchase at XXXX 's XXXX out of New York for {$150.00}. At XXXX XXXX my card was used again at XXXX 's XXXX  for {$46.00}. Once I realized the charges were made I called Chime and advised them I did not make the charges and they canceled my card and sent a new one. I disputed the transactions and their fraud department almost immediately denied my dispute stating the charges were valid and that they would send me proof of how they came to their conclusion. I responded by sending them information that showed I was in XXXX XXXXXXXX at the time of the charges in New York, the phone number to the dentist 's office I was at an hour before I bought the gas, the address of the XXXX I was at, time stamps from their app showing I bought gas at XXXX XXXX XXXXn XXXX XXXXXXXX so it would be impossible for me to make a purchase in New York at XXXX XXXXXXXX but they have continued to state the charges were valid. I researched XXXXXXXX XXXX XXXX  and found that they do not do online orders so it is not possible to order something online to have it shipped to me. 

I again asked for their proof and was told it would be mailed to me within 10 business days, only to discover it was e-mailed and when I clicked the link to view the information the link expired. I requested the information again and when I got the link this time, the link said I was not authorized to view it. I sent them a screenshot showing this and have yet to hear anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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:
I had several written requests to each credit bureau to verify these accounts below because I did not know anything about them nor aware of them. However the bureaus sent me basic letter just stating was verified but no details that I requested. Then when I reviewed an updated report nothing has changed on any of these accounts including data detailed per bureau. 

In accordance with the Fair Credit Act XXXX these accounts listed has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account items : 1. XXXX XXXX Bankruptcy Case Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX  Account Number : XXXXXXXXXXXXxxxx 4. XXXX XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 2022-10-06 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:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
In accordance with the " Fair Credit Reporting Act '' this creditor has violated my rights. Under 15 USC 1681 SEC 602 states, " I have the right to Privacy ''. 15 USC 1681 SEC 604a SEC 2 it also states the 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 plan as late for ANY PURPOSE.

Company response to consumer: Closed with explanation