vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX vacation Account # XXXX, and credit control corpAccount # 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 2022-03-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX vacation Account # XXXX, and XXXX XXXX XXXXAccount # 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 non-monetary relief
Consumer complaint received 2022-03-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX vacation Account # XXXX, and XXXX XXXX XXXXAccount # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX failed to time and properly apply requested Covid 19 arrangement for XX/XX/2020 They were contacted phone and through law firm request for 3 months They have engaged in deceptive business practices and marked this account as late as well as assessed additional fees for which they stated would not be assessed. 

They have repeatedly advised they weee Correcting which is the only reason I chose to do a new loan with them. They over charged my on new auto loan despite their repeated guarantees the other loan was being corrected to date it was not corrected and has cost me thousands in tradelines and credit limits as well as excessive interest on current auto loan

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 2022-03-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX failed to time and properly apply requested Covid 19 arrangement for XX/XX/2020 They were contacted phone and through law firm request for 3 months They have engaged in deceptive business practices and marked this account as late as well as assessed additional fees for which they stated would not be assessed. 

They have repeatedly advised they weee Correcting which is the only reason I chose to do a new loan with them. They over charged my on new auto loan despite their repeated guarantees the other loan was being corrected to date it was not corrected and has cost me thousands in tradelines and credit limits as well as excessive interest on current auto loan

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 2022-03-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All three of the CRAs TransUnion, XXXX, and XXXX are in violation of USC 15 1681 ( a ) ( 4 ) " infringed Upon a Consumer 's right to privacy '' and 15 USC 1681b ( a ) ( 2 ) " No permissible purpose/No written instruction. On XX/XX/2022 I sent a letter to all three CRAs requesting to remove a bankruptcy reporting on my consumer reports. They all ignored my request and still continue to violate the laws by reporting this bankruptcy on my consumer reports still. I am notifying them this one last time before bring this to the court system. These companies irresponsible actions is causing damages to my character and I plan to seek maximum allowed remedy allow by the law.

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 2022-03-06 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 — Investigation took more than 30 days
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
I have been disputing this issue for over a year now with CNAC. Initially it started with an inaccuracy of a missed or late payment of 30 plus days in XXXX of 2020. So I began by contacting the dealership where I bought the car numerous times over a 9 month period, by phone and in person. I spoke with the financing departments manager. Then the sales manager, and the store manager. Each time I was reassured they would contact the corporate office and speak with one of two people " XXXX or XXXX '' whom deal with credit reporting only to have no resolution of the issue. Finally I asked for the the contact information to the credit reporting department. About a week after speaking with them my credit report finally reflected accurately. Then a week later it was back on my report as a late/missed payment of 30 plus days in XXXX now. Next I spoke with a woman named XXXX from corporate whom spoke with someone and had XXXX 's inaccuracy removed only to have it return again a week later as a late/missed payment of 30 plus days in XXXX. Where it has remained through 5-6 separate disputes to my experian credit report over the past 3 month 's, 5 of which were online. I provided proof of my payment history to XXXX which I was given by CNAC which clearly shows, at no time during any of the months in question was I 30 plus days late. My latest dispute I called XXXX and filed a dispute over the phone with a customer service representative in order to clearly explain myself. Each time I disputed this issue either online or the last over the phone. I have had the same outcome. " The creditor in question states that the information they provided to the credit agency was accurate and would not be changed at this time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: FL

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit report and would like to formally file a dispute. This information is unauthorized and i was not approved to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my report and I was NOT alerted to this information being authorized on my reports and I am insisting that they be DELETED from my credit report as soon as possible. These items are fraudulent and are impacting my GOOD relationship with creditors. I have reported the theft of my ID to the FEDERAL TRADE COMMISSION, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit that i have attached in regard to this incident. Please investigate these matters and see that the disputed items are removed as soon as possible. 
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 2022-03-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
All three of the CRAs XXXX, Equifax, and XXXX are in violation of USC 15 1681 ( a ) ( 4 ) " infringed Upon a Consumer 's right to privacy '' and 15 USC 1681b ( a ) ( 2 ) " No permissible purpose/No written instruction. On XX/XX/2022 I sent a letter to all three CRAs requesting to remove a bankruptcy reporting on my consumer reports. They all ignored my request and still continue to violate the laws by reporting this bankruptcy on my consumer reports still. I am notifying them this one last time before bring this to the court system. These companies irresponsible actions is causing damages to my character and I plan to seek maximum allowed remedy allow by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All three of the XXXX XXXX, XXXX, and Experian are in violation of USC 15 1681 ( a ) ( 4 ) " infringed Upon a Consumer 's right to privacy '' and 15 USC 1681b ( a ) ( 2 ) " No permissible purpose/No written instruction. On XX/XX/2022 I sent a letter to all three CRAs requesting to remove a bankruptcy reporting on my consumer reports. They all ignored my request and still continue to violate the laws by reporting this bankruptcy on my consumer reports still. I am notifying them this one last time before bring this to the court system. These companies irresponsible actions is causing damages to my character and I plan to seek maximum allowed remedy allow by the law.

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 2022-03-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit report and would like to formally file a dispute. This information is unauthorized and i was not approved to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my report and I was NOT alerted to this information being authorized on my reports and I am insisting that they be DELETED from my credit report as soon as possible. These items are fraudulent and are impacting my GOOD relationship with creditors. I have reported the theft of my ID to the FEDERAL TRADE COMMISSION, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit that i have attached in regard to this incident. Please investigate these matters and see that the disputed items are removed as soon as possible. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit report and would like to formally file a dispute. This information is unauthorized and i was not approved to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my report and I was NOT alerted to this information being authorized on my reports and I am insisting that they be DELETED from my credit report as soon as possible. These items are fraudulent and are impacting my GOOD relationship with creditors. I have reported the theft of my ID to the FEDERAL TRADE COMMISSION, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit that i have attached in regard to this incident. Please investigate these matters and see that the disputed items are removed as soon as possible. 
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 2022-03-06 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: FL

Complaint narrative:
In Accordance with the Fair credit Reporting Act Convergent Accounts has Violated My Rights. 
( Experian- child support enforcemenXXXX  XXXX ). ( XXXX XXXXy - XXXX ) ( XXXX ). ( XXXX XXXX XXXX ) ( XXXX XXXX- XXXX ) XXXX - XXXX Babcock XXXX XXXX ( Educational XXXX ) ( Child Support XXXX ) ( XXXX ) ( XXXX collections- XXXX ) XXXX XXXX A 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 : its 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 2022-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Foris DAX, Inc.
State: IN

Complaint narrative:
I have been in contact with Crypto.com since XXXX, initially contacting them on XX/XX/XXXX. We continued the conversation through to XX/XX/XXXX without resolution in regards to getting me the correct amount for the XXXX XXXX. Conversation resumed on the XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Still reaching no resolution, I sent follow-up tickets to check progress on XX/XX/XXXX with continued conversation on the XXXX, XXXX, XXXX, XXXX, XXXX and the XXXX to no avail. At this point, they are only providing the response that my request is being sent to the correct department to be processed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
All hard inquiries on my credit profile are fraud and I dont recognize. Please dispute all hard inquiries to validate permissible purpose.

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 2022-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Unauthorized and Impermissible Credit Inquiries ( please see attachments )

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 2022-03-06 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: EQUIFAX, INC.
State: MN

Complaint narrative:
All hard inquiries on my credit profile are fraud and I dont recognize. Please dispute all hard inquiries to validate permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
All hard inquiries on my credit profile are fraud and I dont recognize. Please dispute all hard inquiries to validate permissible purpose.

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 2022-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: WV

Complaint narrative:
This is a utility debt well over 10 years old and the date keeps being changed by the credit collection company to make it look as if it's a new debt. I have disputed this before to no avail and I don't even know for sure if that is the correct amount because mountaineer gas no longer has record of it and attempts to verify with the collection agency have not been successful.

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 2022-03-06 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: U.S. BANCORP
State: AZ

Complaint narrative:
I had a checking account open with US Bank. I came inside for service. I had someone ask me if there was a way that I could help cash a check that was paid to him a concert he had participated in. The check was over XXXX dollars. When I say the amount I didnt believe it. I asked the teller inside if she knew if the check was fraudulent right away because I didnt believe the person who signed the check over to me exactly. At the time she looked at the check and said that she wouldnt know if it was fraud or real for a few days. I was very much on the side of things being fraudulent and I expressed to her that I didnt want to be a part of it if it was fraudulent. I expressed with deep regret that I believed it to be a bad check. She then asked me if I wanted XXXX dollars upfront that day. It was the most exhausting time. I felt obligated for some reason by two parties, and I didnt feel that US BANK cared about my account as a XXXX. I barely had income during that time. Her and I went back and forth about if I should take the XXXX dollars and wait for the check to clear. It was very discouraging. In the end I took the XXXX dollars and walked over to the ATM the US Bank Drive through where the man I knew was parked. I handed him all the money, XXXX dollars. I came back into the same location after a few letters in the mail about my account being closed and negative. I was very upset about the outcome and asked for the manager who was a woman. I was told that there was nothing the bank could do for me that my best option was to pay the negative balance and fee. I asked if we could call the police and the manager replied no the bank can not call the police or do anything for me and she asked me to leave the bank. I also was told that I used the ATM the day of the incident instead of coming inside the bank. That was not true. I left in tears that day.

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 2022-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
Debt is from Consumer Adj Co original creditor shows white water for {$110.00}. Ive sent multiple letters over the past few months for debt validation and no response. Ive reached out to all three credit bureaus to validate and no response from the credit bureaus either. This debt is tremendously affecting my credit and I would like it removed. I have no knowledge of this debt and would not like this to continue to report to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: FL

Complaint narrative:
Transunion is repeatedly in violation of my FCRA Rights. For years I've submitted proof that XXXX reporting of my credit data was incorrect. After I advise I would make a formal complaint XXXX falsified a letter they stated they sent me to a wrong address to prove compliance with Texas repossession laws. It was falsified and produced 4 years after I started complaining. XXXX sent documents that my balance was approximately {$8000.00} then it went to {$21000.00} after I started writing letters, then it was went to XXXX then {$13000.00}. Then {$16000.00} approximately. How is it a vehicle that was paid on for over 1 year with a down payment, that was sold at auction, received full federal tax write off still reports still owes over 70 %. XXXX is a predatory lender and should be investigated as such

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