vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 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:
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.Section 602 A. states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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. 

1. CREDITOR : XXXX XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$4600.00} 2. CREDITOR : XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OPENED : XX/XX/XXXX BALANCE : {$270.00} XXXX. CREDITOR : XXXX XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$9300.00} XXXX. CREDITOR : XXXX XXXXXXXX XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX, OR XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$2500.00} XXXX. CREDITOR : XXXXXXXX XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$450.00} XXXX. CREDITOR : XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3600.00} 7. CREDITOR : XXXX XXXX CARD SERVICES ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3300.00} THESE ARE THE ALLEGED ACCOUNTS I WANT REMOVED FROM MY CREDIT REPORT IMMEDIATLY THANK YOU, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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:
INNACCURACIES ON MY CONSUMER REPORT DELETE IMMEDIATELY. 



XXXX ACCT # XXXX STATUS CLOSED, BALANCE XXXX XXXX OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) CURRENT PAST DUE ( XXXX ) ( TRANSUNION ). 

XXXX ACCT # XXXX STAUS CLOSED, BALANCE XXXX XXXX OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ) ( INACCURATE ) CLOSED DATE NONE ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ) CURRENT PASS DUE ( XXXX ) ( XXXX ). 

XXXX ACCT # XXXX STATUS CLOSED, XXXX XXXX ( INACCURATE ) OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) CLOSED NONE ) ( INACCURATE ) LAST REPORTED XX/XX/XXXX ) XXXX XXXX XXXX ACCT # XXXX, STATUS CLOSED, BALANCE XXXX, OPEN DATE ( XX/XX/XXXX ) CLOSED NONE, LAST REPORTED ( XX/XX/XXXX ) ( XXXX ) XXXX XXXX  XXXX  ACCT # XXXX STATUS CLOSED, BALANCE XXXX, OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) CLOSED DATE NONE, ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ). ( XXXX ). 

XXXX XXXX XXXX ACCT # XXXX, STATUS CLOSED, BALANCE XXXX, OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ), ( INACCURATE ) CLOSED DATE ( XX/XX/XXXX ) ( INACCURATE ) LAST REPORTED ( 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 2022-06-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account # 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. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX Account # 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. My legal rights have been violated. I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
The account shows an address that is not my address. During the time of the account being opened, there was identity theft attempts. I made attempts during the time of the account being opened to correct the address both through online customer portals and with customer representatives, but the correct address was never reflected. The account has since been closed and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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:
On the following dates, I wrote and sent letters to the 3 major bureaus ( TransUnion, XXXX, and XXXX ). I received no correspondence from XXXX or XXXX, but TransUnion did send me a stall letter, after the 30 days they are allowed by law, claiming they felt I did not right the previous letters but instead used a company to do so on my behalf. They have sent me this letter multiple times in which I have responded to them that I am the person sending the letters and have included my driver 's license with each letter. The other two bureaus, XXXX and XXXX, just have not responded to my claims, they have not corrected any inaccurate information on my credit reports, or provided me with any proof of accuracy. TransUnion hasn't corrected any errors or provided any proof of accuracies either. Please note the dates below that I have sent all 3 bureaus requesting to investigate negative/inaccurate information on my credit reports. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I will be sending them letters again today demanding they do what is legally required of them by 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 2022-06-15 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: TN

Complaint narrative:
( 1 ) TransUnion has a legal obligation to ensure that the information it is reporting on my credit report is complete, accurate and verifiable.

( 2 ) I did not authorize the inquiries TransUnion is reporting on my report and I have notified TransUnion of the same.

( 3 ) Instead of properly investigating this matter, TransUnion chose to send me a stall letter, advising that I should contact the furnisher of such information. Notwithstanding the fact that I did, and the furnisher ( s ) is not aware of the listed entries, nor can they provide proof of me granting them permission to run my credit for a permissible purpose, it is incumbent upon TransUnion to ensure that what it is reporting is verifiable, accurate and complete.

( 4 ) TransUnion has failed and multiple efforts to resolved this matter over the phone have not yielded a positive outcome. Therefore, as a matter of last resort before further escalation, I am engaging the authority of the CFPB to investigate this FCRA violation.

Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your dispute regarding the inquiries appearing on your report, we sent you a letter to explain inquiries remain on your report for two years and if you believe it was made without permissible purpose, you may wish contact the company directly.

The above response is useless and means absolutely nothing with regards to my case. TransUnion is aware that I am a victim of identity theft and have been provided relevant documentation to reflect the same. Those inquiries need to be deleted- Period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, and 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't furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, and 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't 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 2022-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
MG Credit XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL. XXXX FTC REPORTS ATTACHED I XXXX XXXX Consumer to MG Credit XXXX In response to your claims, I owe your company/your client XXXXXXXX XXXX an alleged debt. I never had any contracts with your company. NO WRITTEN CONSENT may constitute Aggravated Identity Theft. MG CREDIT is in possession of my personal information and I did not give my written permission for this company to access any of my personal information. MG CREDIT used my identification without my permission no consent means Identity Theft. MG CREDIT HAS DAMAGED MY REPUTATION AND DAMAGED MY MODE OF LIVING BECAUSE YOU FURNISHED A CONSUMER REPORT WITHOUT MY WRITTEN CONSENT. 18 USC 1028a AGGRAVATED IDENTITY THEFT MG CREDIT ALSO HAD NO PERMISSIBLE PURPOSE TO OBTAIN MY CONSUMER REPORTS 15 USC 1681b FTC REPORTS ATTACHED

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: NC

Complaint narrative:
Im the general executor and trustee of the XXXX XXXX XXXX XXXX estate/Trust I am taking the time to correct the record pursuant to 15 U.S. Code 1681 A & B Im requesting you send me the 1099-C

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX 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 agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX AN XXXX XXXX XXXX 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 agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. I did NOT give written permission to anyone at any time to furnish this information. The following accounts have are in violating my rights. 

XXXX XXXX XXXX - Account. XXXX XXXX XXXX XXXX - Account. XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX XXXX - Account. XXXX XXXX  - Account. XXXX, XXXX - Account. 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 2022-06-15 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: CA

Complaint narrative:
I contacted Equifax in XX/XX/2022 asking that they please add two XXXX XXXX XXXX XXXX XXXX for which I am an authorized user as my Equifax Credit Report was incomplete and missing the two credit cards in question. Equifax, as of today, has refused to add these two accounts without basing their decision of any statute, law, edict, court case, dicta, caselaw, etc. In fact, my request have been ignored as a reply has not been afforded. The FCRA permits CRA to add " authorized '' user account to profiles. In fact, both XXXX and XXXX both show these two accounts in question. Of real concern is the fact that Equifax, in retaliation, has initiated, on its own, disputes with some of my creditors. Yes, you are reading correctly, I have not disputed any inaccuracies nor disputed any incorrect information shown in my Equifax Credit Report. Equifax has opened multiple disputes without my approval and without my knowledge. For example, multiple disputes have been opened by Equifax with XXXX  XXXX XXXX, on account XXXX, a legitimate account, in good standing, and for which I have no problems with. The information for his account is correct. Why did Equifax, randomly, decided to start opening disputes with this creditor without my permission? This is illegal! Equifax reference dispute # : XXXX and XXXX. My cease and desist letters have been ignored. I will file a complaint with my State Attorney General and consider taking legal action. Under what FCRA statute does Equifax opens up disputes with my creditors in a secretive manner? What legally justifies their actions?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital One, XX/XX/2022, did a credit inquiry and issued me a credit card that I did not apply for. When I received said card, I contacted Capital One and cancelled said card. I told them I didn't apply for a card. I already have a Capital One credit card. I certainly don't need two credit cards from the same lender. My credit score was negatively affected by this unwanted and unsolicited credit inquiry. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I received a text about fraudulent charges and called the phone number in the text. The person who answered did not seem legitimate and even asked for another of my credit card numbers to verify my identity. At that point I hung up and called the number on the back of my credit card and the woman I spoke with said there were no fraudulent charges. Later that night I received a phone call from a different man who claimed to be from Bank of America 's fraud department. We spent 2-3 hours on the phone, and it seemed to be resolved but I received an email the next day about more fraudulent charges. I called again and spoke with a woman who was able to verify the conversation I had the night before but noticed that my card not been cancelled yet and she was unsure why. She cancelled it and started the Bank of America Fraud claim. I received a letter a month later saying the claim was denied because the charges were made on one of my approved electronic devices. Impossible. Was not me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
I used Moneygram to transfer {$500.00} usd to my mother in XXXX on XX/XX/2022. {$500.00} was deducted from my bank, but was never received in XXXX. Moneygram gave me a receipt saying that the money was sent successfully and would be deposited in the receivers account. It has been approximately a month now and money still has not been received in XXXX. I have called Moneygram 8 ( eight ) times now, all they say is that I have to wait 90 days for a resolution. They say that the money is stuck in transfer and there is nothing they can do. I dont understand why they refuse to reimburse me. They tell me to call again in a few days for an update, but I just get the same answer again and again. My family in XXXX desperately needs this money to survive and I have no more to send. This is my familys lifeline, please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2022-06-15 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: FL

Complaint narrative:
XXXX credit decision was based, " in whole or in part '' on a lie.

Company response to consumer: Closed with explanation