vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-30 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 my rights have been violated. 

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 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 I have late payments listed on my credit report from XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, and 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 2022-04-30 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: GA

Complaint narrative:
Dear CFPB, Today XX/XX/2022 I received the letter response via the USPS at XXXX XXXX regarding the reinsertion of previously disputed results that had been investigated and removed by Equifax. The timestamp on the Equifax letter is XX/XX/XXXX and it was received today XX/XX/2022. Equifax did not notify me within the 5 business days and instead it was a total of XXXX business days and per the FCRA Equifax did not comply with regards the reinsertion of the item XXXX XXXX that was removed and reinserted on my Equifax account the fine print on the letter has a date of XX/XX/2022 ( bottom right ). Also to note what I find interesting is that XXXX XXXX the alleged credit furnisher has not been able to provide me with validation yet Equifax has been able to based on what the furnisher supplied, so I'm not sure how they can say it's valid and XXXX XXXX could not and XXXX XXXX has sent me a letter stating that they are still looking into the issue and investigating to date and still does not have any answers.The letter has no USPS date on it! See all attachments. 

I have attached the letter from XXXX XXXX dated XX/XX/2022 that they are looking into the matter with regards to the account in dispute, stating they are still looking into the matter. So gain, I ask did Equifax take the proper ethical steps regarding this account that is fraudulent and happened under identity theft. I am requesting that Equifax please delete this account immediately and please refrain from destroying my credit worthiness. 

Thanks for your prompt attention into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Collection Bureau of America Ltd.
State: CA

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

15 USC 1681 Section 604 A Section 2 : It also 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 and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: Affirm Holdings, Inc
State: AL

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 ) Affirm XXXX ) XXXXXXXX XXXX XXXX 15 USC 1681 Section 602 A states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) 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 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. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: OneMain Finance Corporation
State: AL

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. 

1 ) XXXX XXXX XXXX 2 ) XXXX  3 ) One Main Financial 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) 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 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.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I opened a statement in XXXX for this card I havent used in a long time. It had some fraudulent charge from XXXX XXXX for {$42.00} on XXXX. I reported it and initially they refused to send it to the fraud XXXX. It took them months to admit it was fraudulent. Another fraudulent charge appeared on XX/XX/XXXX ( I think ) from XXXX. They refused to investigate that for months and are now just looking into it supposedly. They are sending me to collections and dinging my credit for late fees for two fraudulent charges and now I cant even get someone on the phone for it. Its been a terrible experience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Nelson Cruz and Associates, 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, states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: TX

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, US DEPT ED XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX ( Original Creditor : ) 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 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 2022-04-30 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: TX

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, US DEPT ED XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX ( Original Creditor : ) 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 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 2022-04-30 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:
I'm writing this complaint and there is no third party involved. 

Default and Opportunity to cure Attached To whom may concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent previous letters to you, all by certified mail ( receipt enclosed ) requesting that you remove information from my file and you have failed to do so. 

Accordingly, I can show a judge that these account are reporting illegally by your company and that you violated the Fair Credit Reporting Act by ignoring my requests to Delete the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. ( all Documents attached ) If this final request does not prompt you to conduct a proper procedure to delete this accounts in question, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state 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 2022-04-30 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: OH

Complaint narrative:
15usc1681a 15usc section 602a 15usc section 604

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 2022-04-30 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: U.S. BANCORP
State: CA

Complaint narrative:
Few months ago, I had discovered that I was a victim of identity theft. I discovered that someone unknown to me had used my personal information to open an account with Elan Financial. As soon as i find out about this account i did file an identity theft report and i sent a copy to elan financial and sent copies to all three major credit reporting agencies. i requested from elan financial that comply with my request in the following matter, Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report I also requested that do the following.

Stop reporting false information about this debt to credit reporting companies Provide me with the records I requested.

As of today, I have not received no documents supporting the information they are reporting to the credit bureaus. Which is damaging my benefits that i can have with good credit. If you look at my credit report not only you will see excellent credit history for over twenty years you will also see the high limit credit card not XXXX dollars that the are reporting falsely under my name. today i checked my credit report my credit score dropped XXXX points and they reported false information that i made partial payment with no evidence to the credit bureaus and 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 non-monetary relief
Consumer complaint received 2022-04-30 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: TX

Complaint narrative:
I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and They keep charging my almost {$60.00} INTEREST EVERY MONTH. Equifax is still showing this account as open and it should be showing paid/closed, This is all a direct violation of FCRA. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Over the past few months/year ( s ). I have informed Experian that they were incorrectly reporting a charge-off on my credit report. At different times there has been different issues. The most recent issue being that the high balance is lower than the balance. That is not mathematically correct ( impossible ) and there can only be one high balance. They claim to investigate but nothing changes. Experian 's negligence is effecting my ability to obtain housing and transportation.

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 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Portfolio Recovery Associates, LLC
State: CA

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

15 USC 1681 Section 604 A Section 2 : It also 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 and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
On XXXX I spoke with Barclay credit card about our jet blue credit card and a bait and switch. When we signed up we used the link on the JetBlue site which stated a {$250.00} statement credit and XXXX bonus miles. After signing up and purchasing the over {$1000.00} requirement in the first 90 days, we found out that they had changed the bonus in the terms on conditions to XXXX bonus miles and no statement credit. We would not have signed up if that was the bonus we had followed from jet blue.

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 2022-04-30 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: First Credit Services Inc.
State: GA

Complaint narrative:
15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: Kikoff Inc.
State: GA

Complaint narrative:
15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: TX

Complaint narrative:
I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and They keep charging my almost {$60.00} INTEREST EVERY MONTH. XXXX is still showing this account as open and it should be showing paid/closed, This is all a direct violation of FCRA. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

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