vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-24 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: AZ

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 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 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 2022-04-24 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: 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 ( Bank ), has violated my rights. 
XXXX XXXX ( Bank ), has violated my rights. 
XXXX XXXX ( Finance ), has violated my rights. 
XXXX XXXX XXXX  ( Finance ), has violated my rights. 
XXXX XXXX XXXX Auto ), has violated rights. 
XXXX XXXX XXXX XXXX ( Auto ), has violated my rights. 
XXXX XXXX XXXX ( Bank ), has violated my rights. 
XXXX XXXX XXXX XXXX ( Auto ), has violated my rights. 
XXXX XXXX ( Finance ), has violated my rights. 
XXXX XXXX Bank 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: 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 ( Bank ), has violated my rights. 
XXXX XXXX ( Bank ), has violated my rights. 
XXXX XXXX ( Finance ), has violated my rights. 
XXXX XXXX XXXX ( Finance ), has violated my rights. 
XXXX XXXX ( Auto ), has violated rights. 
XXXX XXXX XXXX XXXX ( Auto ), has violated my rights. 
XXXX XXXX XXXX ( Bank ), has violated my rights. 
XXXX XXXX XXXX XXXX ( Auto ), has violated my rights. 
XXXX XXXX ( Finance ), has violated my rights. 
XXXX ( Bank ) 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 2022-04-24 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: IL

Complaint narrative:
I sent letter to Transunion received XX/XX/XXXX on validating there data furnisher for this erroneous unverified invalidate bankruptcy being reported on my credit report. XXXX responded XX/XX/XXXX that the bankruptcy was verified as accurate by the data furnisher XXXX XXXX XXXX XXXX. I responded with a letter stating there method of validation was invalid and to please correct there error, letter received by XXXX XX/XX/XXXX and responded with file # XXXX dated XX/XX/XXXX once again the data furnisher is the bankruptcy courts. I sent XXXX  another letter to advised they are in violation of 15 US code 1681 for invalidated inaccurate credit information letter received XX/XX/XXXX. XXXX responded letter dated XX/XX/XXXX data furnisher is the bankruptcy court. I have enclosed 2 letters to verify XXXX falsely stated an erroneous bankruptcy on my credit report and have yet to remove it. The letters was received from the court dated XX/XX/XXXX and again XX/XX/XXXX. The Bankruptcy letter from the court states " The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. Transunion has obviously violated FCRA rules and my consumer rights.

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 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX Never late on any payments. 
XXXX XXXX Never late on any payments. 
XXXX XXXX XXXX XXXX Delete of account for inaccurate and outdated information. 

Please provide a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. 

In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2022-04-24 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:
n accordance with the Fair Credit Reporting act XXXX  account # XXXX and XXXX XXXX  ACCOUNT # XXXX AND XXXX XXXX ACCOUNT # XXXX XXXX XXXX  # XXXX AND 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 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 2022-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: NC

Complaint narrative:
XXXX XXXX and XXXX sold a debt to Eastern Account Systems. My personal information was used to open an account with XXXX XXXX and XXXX. I informed them of this and the debt was removed. However, they sold my personal information to Eastern Account System conspiring with the initial identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KLS Financial Services, Inc
State: MS

Complaint narrative:
XXXX XXXX  and KLS Financial Services has fell to communicate with myself of a debt that is not owed by me. I have not given XXXX XXXX  authorization to release my medical information to anyone. XXXX XXXX and KLS Financial Services has violated my XXXX rights! 

15 U.S. CODE SS 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

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 2022-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MiraMed Revenue Group LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX has violated my HIPPA rights by sharing my medical records with Miramed Revenue Group. 
I tried contacting XXXX XXXX XXXX whom stated this debt was no longer being administered by XXXX XXXX XXXX, it's being handled by a third-party. I have not given anyone permission to share my medical information, therefore XXXX XXXX XXXX has violated my HIPPA rights. Also XXXX XXXX XXXX and Miramed Revenue Group has applied this negative, false information to my credit reports. 


15 U.S. CODE SS 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: OneMain Finance Corporation
State: NE

Complaint narrative:
There are fraudulent inquiries from XXXX XXXX in XXXX XXXX XXXX XXXX And XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX  XXXX XXXX And XXXX XXXX XXXX On XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, XXXX, I contacted Grain XXXX about an issue regarding their App systematically deleting my banking information to make the minimum payment required. This caused them to report late payments to my credit report without adequate caused. I informed them that they should not have done this because it was a internal issue with their app which caused the delayed payment. They failed to rectify this issue even after having valid proof that their application wasn't working properly. 

However, I did not receive any feedback until XX/XX/2022. I then spoke with a tech supporter and sent a video recording of the app appearing blank and not showing any of my personal information. I continued to speak to XXXX ( customer Technology Customer supporter ) striving to rectify this issue. 

On XX/XX/XXXX, XXXX, without rectifying the Application issue Customer service stopped communicating with me. I submitted a consumer fraud report to them on XX/XX/XXXX, XXXX, informing them that their business was fraud, that they where taking consumers information knowing that their Application wasn't sufficient to report bad debt and sell my information to other private companies for a hefty profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: OR

Complaint narrative:
To whom it may Concern, My name is XXXX XXXX and I leasing a car from XXXX. Santander took over and I've been paying without missing one payment except back in XXXX when Covid-19 hit badly. I missed about XXXX payments and since then until now I never missed a payment. I emailed the CEO of Santander 6 times a goodwill letter and he never responded to my emails. I mailed them a goodwill letter on XX/XX/XXXX and they never responded. I called and they told me to call Credit Bureaus and they should remove them. Credit Bureaus are saying we can't help you because Santander has to do the job. Santander doesn't answer emails, mails. NOTHING. 

Again I mailed them another goodwill letter on XX/XX/XXXX and still never responded. As I mentioned before about Covid-19 I went through a financially tragic moment where I lost my job due to Covid-19 and as a result, I missed XXXX payments. To make your process of deletion easier, please find the late payment dates below : XX/XX/XXXX XX/XX/XXXX Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My payment for my kohls credit card was due XX/XX/22. I made the payment XX/XX/22. I have proof of the time and date of the payment as well. My credit report is saying the payment was over 30 days late and has negatively impacted my score. I tried to call the company. They told me they see the error, they are sorry but they have to go through the proper steps and file it which can take up to 30 days. This has impacted my mortgage loan as well now. The company also refused to give me a deletion letter at this time and said I will get one in the mail which they have 30 days to do. They are breaking the facra fair and accurate credit reporting act. This is not fair especially since I have never made a late payment with them since I opened my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24 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: CITIBANK, N.A.
State: NE

Complaint narrative:
There are fraudulent inquiries from Citibank bestbuy in XXXX XXXX XXXX XXXX And XXXXXXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX On XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX account # XXXX and XXXX XXXX ACCOUNT # XXXX AND XXXX XXXX ACCOUNT # XXXX XXXX XXXX # XXXX AND 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 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 2022-04-24 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX account # XXXX and XXXX XXXX XXXX # XXXX AND XXXX XXXX ACCOUNT # XXXX XXXX XXXX # XXXX AND 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 2022-04-24 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: NJ

Complaint narrative:
In the month of XXXX in XXXX, I discovered that Equifax had published several unauthorized items on my consumer report without permissible purpose. I sent a dispute letter to XXXX on XX/XX/XXXX via USPS Certified postage. They NEVER responded to that dispute letter! 

These blatant actions that the Executive Officers of Equifax clearly condoned have caused me loss of business relationships, XXXX instability, XXXX and XXXX XXXX due to public embarrassment and shame by my family who mistakenly opened and read my mail, ( due to a similar name ) discovering these several unauthorized items on my consumer report published without permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
To whom it may Concern, My name is XXXX XXXX. I had a credit card with Target. Target harmed me big time. I had an emergency trip back in XXXX due to my father in law getting XXXX XXXXXXXX XXXX. I called them from XXXX and I paid my balance. Apparently, they didn't note my account that I paid in full and took the money but didn't notate the account. After 2 months they called saying that I have late fees. I was shocked and asked them to send me statements and they never did. After few months a lady named XXXX called me and said your account is in collection and you owe this much but if you pay we will do a pay to delete. Being XXXX watching out for my father in law and not getting statements to know what's going on was for their favor. They harmed my credit. Never notated my account of payments made. When I came back to XXXX i saw that my account was not deleted as promised and when I called the lady was rude and she said oh XXXX left. I can't do anything for you. That's unfair. The ruined my credit, never notated my account that everything was paid. kept adding unfair fees and never deleted the harm of my credit report. I have faith in you guys and would really appreciate if you can help me with this matter. I spoke with Target and told them what had happened and they said call credit Bureaus and again credit bureaus say call Target. I'm really hurt and sick of this nasty game call so and so and call this and that. 

Regards, XXXX

Company response to consumer: Closed with explanation