vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have tried to remove wrong personal information on my credit file with Experian and it has not been removed. 

15 USC 1681. I did not give anyone written permission to use my personal information on my behalf

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 2022-05-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # 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 setcion 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 2022-05-17 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:
I have brought it to the attention of Experian that experiences and transactions between the consumer and the person making the report are to be excluded from a consumer report. I would not like my utilization to be furnished on my consumer report, this is my written statement. Experian has ignored my previous request to update my utilization to 0 % and 0 balance for the listed accounts. This is a violation of my consumer rights and is causing me to not have faith in the banking system as this is not fair and equitably to me by sharing my private information without my prior written consent. Please see attachment for details and a screenshot of the specific law for reference.

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 2022-05-17 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: IL

Complaint narrative:
Reference # XXXX XXXX  XXXX : XXXX  Equifax contacted me and communicated that this public record was ''Verfied '' under XXXX & the XXXXXXXX XXXX XXXX  XXXX XXXX 

I called XXXX and they told me that the public record has been suppressed from my consumer report. 

I also Called the XXXX XXXX XXXX XXXXXXXX and they told me that they dont provide information to 3RD parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
In 2019 I interviewed a girl named XXXX XXXX for a possible part time roommate for a friend of mine. She preceded to move in with this friend and stole my Identity. At the time my purse, Id, clothes, jewelry, birth certificate, and car went missing. Also credit cards, checks and merchandise adding up to over {$10000.00}. Ive reported to all agencies including a police report, IRS and credit bureaus. So Im finally repeating this last time to you all. I was made aware of this in 2019 when my credit score was abruptly taken down.

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 2022-05-17 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:
XXXXXXXX XXXX XXXX # XXXX 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 explanation
Consumer complaint received 2022-05-17 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: IL

Complaint narrative:
XXXX XXXX XXXX # XXXX 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 2022-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Zelle provides on the desktop version the ability to schedule automatic recurring payments, which I used to pay for a recurring weekly service using the service provider 's phone number. When I no longer needed to process those payments, I decided to " Deactivate Zelle '' ( as stated in the app ) from my XXXX app and the payments stopped. 

When I Iater reactivated Zelle ( weeks later ) to process other payments, the automatic recurring payments initially set up on my account were still active and kicked back up. The resulting situation was a series weekly payments resuming to the original phone number on file. However, the phone number changed ownership in the meantime, and the phone number was no longer owned by the service provider but by someone else. That new person started accepting all pending recurring payments, quickly draining my bank account. What is incomprehensible for me is that, after you " Deactivate Zelle '', your automatic payments schedule stays active and immediately gets restored as you re-activate ZellXXXX at a later time ( and can aggregate through time ). This is an abusive and unsecure feature. 

Consumers are getting ripped from their money as banks like XXXX push the risks on consumers and shady third-parties like Zelle/Early Warning who do little to no efforts to secure transactions. I will share my concerns where possible ( e.g., CFPBXXXX XXXX XXXX  to ensure companies like Zelle/Early Warning can not operate with the level of impunity/disregards to consumer protection rules. 

Date of transactions was XX/XX/2022 for a total of {$500.00} ( from multiple transfers ). 

I contacted XXXX and Zelle on XX/XX/XXXX and XX/XX/XXXX for resolution ( cancelling the automatic transfers that got cashed in ) to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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:
XXXXXXXX XXXX XXXX  # XXXX 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 explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I do not have my debit card as I have never used it and my account online does not display the full account number. I called at XXXX XXXX  and someone named XXXX was rude and snickered at me when I asked for help. He told me he does not have to help me, does not have to identify himself and was the rudest most unprofessional customer service agent o have ever encountered in my LIFE. He is obviously going nowhere fast but thats not my problem. He refused to give me information to anyone o could complain to or help me with my account because I cant verify but how can I verify if Ive never used my account debit card and only used online banking with blacked our information? I went my call listened to by a manager or supervisor. I have the end of it recorded and will be releasing it on social media in 2 weeks if I do not hear from someone. I have a XXXX XXXX XXXX XXXX so you had better believe it will get shares, clicks, and lots of visibility.

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 2022-05-17 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:
Experian violated my rights, They stated that the XXXX Account was " cerfitied '' as accurate yet this is impossible as there are multiple inaccuracies. Date opened, high credit, date of last active and date of last payment is incorrect. Payment History incorrect, where are the 30, 60, 90 day lates? I paid this on time. 


Thie is a violation of the federal law 15 U.S. Code 1681i ( 5 ) ( A ) states In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer 15 U.S. C 1681 section 602 ( A ) states that I have a right to privacy 15 U.S. C 1681 section 604 ( A ) section 2 states that a consumer reporting agency can not furnish an account without my written consent.

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is in response to CFPB complaint # XXXX from XXXX XXXX XXXX XXXX a federally protected consumer. This is not a duplicate response, and shall not be treated as such. The response from Experian sounds like an elaborate mechanism and I have reason to believe, and do so believe that it hasn't been taken seriously that you have violated my consumer rights. You stated, " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. You state that there is incorrect personal information on the report. We store address, employer, phone, spouse, and name information as it is sent to us by your credit grantors or from information contained in public records. One or more sources of information report personal information and they are a part of your credit history. '' This response is neither accurate or fair. I have reason to believe, and do so believe that you have failed to follow proper debt dispute procedures, and that you have not conducted a reasonable investigation of my dispute. I gave you written instructions on what was incorrect on my consumer report and provided you with the correct information that should be on my report, so any other addresses and names you have on my consumer report sounds like you are mixing/merging my file with other consumers files, which is a violation and shows that you are not doing your job with keeping my credit file up to date. You stated, " If you believe an address or name in your credit report is inaccurate, you may want to contact the source of the information directly. '' I have already provided the correct information to the sources of the information on my credit report directly, you are the only entity that refuses to remove inaccurate and outdated information. You stated, " Please contact us by phone if you need additional assistance to determine the specific sources of particular address and name information on your credit report. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX  XXXX, XXXX, TX XXXX. '' I have written to you, but you have failed in adopting reasonable procedures in a manner to which is fair and equitable to me, the consumer which is why I have made my complaint aware to the CFPB.

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 2022-05-17 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: NC

Complaint narrative:
These inquiries on my credit report are unauthorized 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 XX/XX/2021 These inquiries are unauthorized XXXX have written consent with my signature

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have tried to remove wrong personal information on my credit file with XXXX and it has not been removed. 

15 USC 1681. I did not give anyone written permission to use my personal information on my behalf

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have tried to remove wrong personal information on my credit file with XXXX and it has not been removed. 

15 USC 1681. I did not give anyone written permission to use my personal information on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One XXXX  Credit card is charging me interest where I paid the balance in full. My payment day is on XXXX of each month. I paid my balance in full ( $ XXXX {$66.00} ) = {$2200.00} on XX/XX/2022. For convenience I'm attaching screenshot and bills from the month of XXXX and XXXX. I payed in full so that I will not get interest charged. 
The problem started on XX/XX/2022, when I use this card to buy a {$2200.00} airline ticket. Capital one billing cycle ends on XXXX of each month, I should not be seeing any interest on XX/XX/XXXX billing. Capital One charged interest on that month. I felt I was dodged. I have not paid the balance in full that month thought since I am paying interest I will pay in full on the next billing cycle. So, when I paid in full on XX/XX/XXXX, Capital One assessed interest. 
I called Capital One customer care but it is a shame that they outsourced the costumer care. The representative could not help me and stated the interest charge is right. I asked where the call center is located, and the representative said it is in XXXX. 
It is always a bad experience for me with Capital One. My other cards shows my credit score at least XXXX higher than capital one is showing. About an year ago I used to get frequent vehicle financing offer from Capital One. Their rate was 16-23 % APR. Which is unacceptable. I never accepted the offer. Also I have got financed from another credit company for much much less APR. Since all Credit info can be shared by Credit institutions, I guess I made Capital one angry. Which I feel they are showing in their monthly bill. Please help. Very Respectfully -XXXX  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 603 A. States I have the rights to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also stated 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 2022-05-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-05-17 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: OH

Complaint narrative:
New to using cedit, went to buy a car multiple places and they ran my credit at so many different places that i did not authorize trying to get me financed. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-17 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: PA

Complaint narrative:
I have brought it to the attention of Transunion that experiences and transactions between the consumer and the person making the report are to be excluded from a consumer report. I would not like my utilization to be furnished on my consumer report, this is my written statement. Transunion has ignored my previous request to update my utilization to 0 % and XXXX balance for the listed accounts. This is a violation of my consumer rights and is causing me to not have faith in the banking system as this is not fair and equitably to me by sharing my private information without my prior written consent. Please see attachment for details and a screenshot of the specific law for reference.

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