vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-16 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act First Premier Account ending XXXX and XXXX XXXX XXXX account ending 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 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 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, 1681n, and Stevenson v. TRW Inc., 987 F.2d 288 ( 5th Cir. 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 2022-04-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: C2 Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX is working as mortgage broker and does not a real estate license or broker license he is submitting loans under another brokers name. 
He has large amounts of clients files stored unlocked in the rafters of his garage and dose not lock his office or put files in locked drawers while working on files. They are carelessly treated and he fails to safeguard personal information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This company XXXX XXXX told me that they verified a bankruptcy on my credit report through the creditor, but when I reached out to the bankruptcy court ( creditor ) they sent me a letter stating that they do know business with XXXX XXXX or any credit bureau which I have forwarded the letter over to XXXX XXXX who still is telling me they verified the account through the bankruptcy court this is illegal to report and I demand immediate removal

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 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This company XXXX XXXX told me that they verified a bankruptcy on my credit report through the creditor, but when I reached out to the bankruptcy court ( creditor ) they sent me a letter stating that they do know business with XXXX XXXX or any credit bureau which I have forwarded the letter over to XXXX XXXX who still is telling me they verified the account through the bankruptcy court this is illegal to report and I demand immediate removal

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 2022-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Information was reported wrong on my credit report causing issues. The report is mislead on information regarding previous address, XXXX worked for, and where I lived. I lived at XXXX XXXX XXXX, XXXX XXXX, Colorado XXXX before the change to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX XXXX 

I had lived in XXXX XXXX XXXX XXXX XXXXXXXX with XXXX XXXX XXXX XXXX XXXX and 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 2022-04-16 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Information was reported wrong on my credit report causing issues. The report is mislead on information regarding previous address, XXXX worked for, and where I lived. I lived at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX before the change to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX XXXX 

I had lived in XXXX XXXX XXXX XXXX XXXXXXXX with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
Based on the process of elimination and making connections between previously submitted reports to the Consumer Financial Protection Bureau, Federal Trade Commission, Federal Reserve XXXX Department of Homeland Security, Immigration and Customs Enforcement, Federal Bureau of Investigations , Central Intelligence Agency, Equal Employment Opportunity Commission, Office of Special Counsel, Attorney Generals, Department of Health and more, Fiserv is suspected of engaging in severe prohibited business practices. 

During on-going investigations I was met with what appeared to be severe and unrelenting interference from unconfirmed and unidentified sources that repeatedly compromised my safety and security. Based on claims submitted and the documents reviewed, I believe Fiserv is involved and has been monitoring me without my authorization and consent. 

XXXX search results yield XXXX XXXX an alleged client Project Manager for Fiserv. A person with this same name claimed to be a XXXX  claims representative subsequent to a XXXX XXXX  accident. Is the XXXX Claims Representative XXXX XXXX the same person that serves as a Client Project Manager for Fiserv?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX my husband and I refinanced our mortgage to pay off our existing debt. Checks were made by the escrow company and sent out to said bills. One that was sent out was to a Citibank XXXX preferred card for XXXX. It was cashed on XX/XX/2022 but was never credited to my account. The escrow company sent me the cashed and cleared check and say they have no funds or records of the return payment. I have opened 4 investigations with citi and have gotten no where. I get connected to several people and all they say is your check was returned and close the investigation. I have faxed the cleared check over 3 times now and they keep saying they did not receive it. So now no one has my XXXX dollars. Where did the money go? In the meantime I am paying double ( extra bill on mortgage and the card ) and acquiring interest on a balance that should have been paid off XX/XX/XXXX. I dont know what else to do or how to get my money.

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 monetary relief
Consumer complaint received 2022-04-16 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: Affirm Holdings, Inc
State: CO

Complaint narrative:
I replied to an email from the collection division of Affirm , Inc, and I told them that I never received the merchandise that ordered from them. Never received a response. So I disputed their little collection account on my XXXX credit report, and the proceeded to re-age my collection account so that it would spoils that I was currently late like 120 days in my payment. Thereby, causing my XXXX score to plummet. Fell XXXX points in less than XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The credit Bureaus never did a proper ''investigation '' according to the FCRA XXXX 


Th term ''investigation consumer report '' means a consumer report or potion 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 did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated the law because according to 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 I did not give nobody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Due to Equifax being a XXXX XXXX XXXX and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 USC 1681 c-2 states that a XXXX XXXX XXXX XXXX XXXX the reporting of any information in the file of a consumer that the identifies as information that resulted from identity theft, no later than 4 business days after receipt of the following : 1. Appropriate proof of identity to the consumer ; 2.The identification of such information by the consumer ; and 3. A statement by the consumer that the information is not information relating to any transaction by the consumer. It is now XX/XX/2022 and Equifax has yet to place a block on all information resulting from identity theft. 15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce and consumer credit in a manner that is fair and equitable to the consumer, with regards to confidentiality, accuracy, relevancy, and proper utilization of such information. If Equifax allows its business partnerships with these organizations to continue to violate my federally protected consumer rights, they will be liable to me for the stress, XXXX XXXX, and any other actual damages caused as a result of the failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Due to XXXX being a XXXX XXXX XXXX and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 USC 1681 c-2 states that a XXXX XXXX XXXX shall block the reporting of any information in the file of a consumer that the identifies as information that resulted from identity theft, no later than 4 business days after receipt of the following : 1. Appropriate proof of identity to the consumer ; 2.The identification of such information by the consumer ; and 3. A statement by the consumer that the information is not information relating to any transaction by the consumer. It is now XX/XX/2022 and XXXX has yet to place a block on all information resulting from identity theft. 15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce and consumer credit in a manner that is fair and equitable to the consumer, with regards to confidentiality, accuracy, relevancy, and proper utilization of such information. If XXXX allows its business partnerships with these organizations to continue to violate my federally protected consumer rights, they will be liable to me for the stress, anxiety, sleeplessness, and any other actual damages caused as a result of the failure.

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 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This company XXXX XXXX told me that they verified a bankruptcy on my credit report through the creditor, but when I reached out to the bankruptcy court ( creditor ) they sent me a letter stating that they do know business with XXXX XXXX or any credit bureau which I have forwarded the letter over to XXXX XXXX who still is telling me they verified the account through the bankruptcy court this is illegal to report and I demand immediate removal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following itemscompletely from my Credit Reports : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/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 2022-04-16 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: United PanAm Financial Corp.
State: GA

Complaint narrative:
United auto credit is on my credit reports all information reported must be accurate this is identity theft I never owned signed a contracts or possessed the vehicle this violates contract law universal law fcra and fdcpa and the ucc I will go to the fullest extent of all law and order to correct this matter of not corrected in 15 calendar days of this notice this serves as a quasi contract from silence in every attempt that's been made to correct this in civil regard

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix the following accounts completely from my Credit Reports : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$880.00} ; XXXX XXXX XXXX Balance : {$0.00}

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 2022-04-16 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX/XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following itemscompletely from my Credit Reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX XXXX  XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$190.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$60.00}

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 2022-04-16 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXXXXXX  account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX account # 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

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 2022-04-16 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Previously filed dispute with chase credit card while I was incarcerated. Requested application with signature that opened this credit card account. Chase sent back an document that was not an application with my authentic signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
hard inquiries made without my authorization.

Company response to consumer: Closed with explanation