vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 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: MO

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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Type XXXX XXXX XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/2020 XX/XX/2020 Reference # : XXXX XXXX XXXX Closing Date : XX/XX/2020 Asset Amount : {$0.00} Court : US BKPT CT XXXX XXXX XXXX Federal U.S. Bankruptcy Court Liability : {$0.00} Exempt Amount : {$0.00} ) 15 USC 1681 section 602 A states i have the right to privacy. 15 USC 1681 section 604 A section 2 : it aslo states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 ( 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.

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 2022-04-20 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: Nelnet, Inc.
State: CA

Complaint narrative:
My federally protected consumer rights have been violated in accordance with the Fair Credit Reporting act ( FCRA ).

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 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 2022-04-20 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: GA

Complaint narrative:
While viewing my Transunion report, I noticed that a bankruptcy of my consumer report which was obtained from The Public Access to Court Electronic Records ( PACER ) by you ( LCI ). Pacer, a service that provides electronic public access to federal court records. Pursuant to the reporting requirements, the reporting does not comply with FCRA, You violated my right to privacy by obtaining information regarding bankruptcy from pacer and furnishing my credit report. The Law Clearly states that, 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
You did not respect my right to privacy, nor treated me fairly. This has damaged my reputation and it makes it difficult for me to obtain credit. 
Also, I did not give you written permission to obtain and furnish my personal information to the consumer reporting agency.

( 15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) IN GENERAL SUBJECT to sub
section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give you written permission to provide any information for my consumer report.

Also, 15 U.S. Code 1681s2 - Responsib
ilities of furnishers of information to consumer reporting agencies ( 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 2022-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: MD

Complaint narrative:
I scheduled a payment for my Discover card on XX/XX/XXXX, and on XX/XX/XXXX they charged me again for the same month 's payment. When I called to demand a refund for this charge, they indicated I would receive a check in the mail within MAXIMUM 10 business days. I called back today to check on the status ( since it has been more than 10 days ), and the representative indicates they still have not issued the check since it needs to be reviewed before the funds are released. This means that I am now unable to pay another XXXX bill from a different creditor, and Discover sees no issue with this. They claim that the FASTEST repayment method is to MAIL a CHECK, but I do not see how that is factually true. In summary, Discover double-dipped in my monthly payment at a time when I have no financial means to recover this payment and therefore they are causing me financial distress as a result of malicious business practices and deceptive customer service representatives

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: AR

Complaint narrative:
The following companies are Fraudulent on my Credit Report AFNI , INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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. 

1. XXXX XXXXXXXX XXXX  Account # XXXX has violated my rights. 
2. XXXX XXXX XXXX Account # XXXX has violated my rights. 
3. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
4. XXXX XXXX XXXX Account # XXXX has violated my rights. 
5. XXXX XXXX XXXX Account # XXXX has violated my rights. 
6. XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that 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 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 2022-04-20 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: 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. 

1. XXXX XXXXXXXX XXXX  Account # XXXX has violated my rights. 
2. XXXX XXXX XXXX Account # XXXX has violated my rights. 
3. XXXX XXXX XXXX  XXXX Account # XXXX has violated my rights. 
4. XXXX XXXX XXXX Account # XXXX has violated my rights. 
5. XXXX XXXX XXXX Account # XXXX has violated my rights. 
6. XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that 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 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 non-monetary relief
Consumer complaint received 2022-04-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have requested from XXXX, Experian, XXXX XXXX XXXX to verify with method of verification of an collection account on my credit report from " XXXX XXXX XXXX XXXX XXXX XXXX with letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As to this date I have not received from XXXX, Experian, XXXX XXXX XXXX any proof that this account is correct, I just receive back a letter stating that the account was verified with no proof. I have attached the letters sent to XXXX, Experian 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 explanation
Consumer complaint received 2022-04-20 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: LEXISNEXIS
State: GA

Complaint narrative:
While viewing my XXXX and XXXX report, I noticed that a bankruptcy of my consumer report which was obtained from The Public Access to Court Electronic Records ( PACER ) by you ( Lexis Nexis ). Pacer, a service that provides electronic public access to federal court records. Pursuant to the reporting requirements, the reporting does not comply with FCRA, You violated my right to privacy by obtaining information regarding bankruptcy from pacer and furnishing my credit report. The Law Clearly states that, 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
You did not respect my right to privacy, nor treated me fairly. This has damaged my reputation and it makes it difficult for me to obtain credit. 
Also, I did not give you written permission to obtain and furnish my personal information to the consumer reporting agency.

15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) IN GENERAL SUBJECT to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give you written permission to provide any information for my consumer report.

Also, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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 2022-04-20 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: Source Receivables Management LLC
State: IL

Complaint narrative:
accounts paid but never left my credit report as well as outdated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DELAWARE XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX, ( XXXX Creditor : 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

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 2022-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have previously disputed > Public record reporting/ with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

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 2022-04-20 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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX Accounts # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Services, Not Elsewhere ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Credit Card XXXX. 

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies See an error Institution Information XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/2022 I received a wire from the sale of a vehicle through my Navy Federal Savings Account. On XX/XX/XXXX I went into the branch to engage and use my money, upon meeting with a representative I find out my account has been frozen and I have to contact security, which is usually a two hour hold. I get in contact with security and they tell me theyre going to need verification from the other bank to confirm the wire was valid. Ive waiting more than 7 business days, and up to yet my funds havent been received. I contacted the other party to let them know and they said my bank is refusing to accept the wire and that theyve sent over everything they needed. This is unfair and unpractical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
accounts paid but never left my credit report as well as outdated

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 2022-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
A XXXX rental property post emailed me on the inquire of a property. Unfortunately this post and person I had contact with via email and text promised property rental agreement and keys with the transaction of a security deposit that was sent through Zelle to recipient XXXX on XX/XX/2022 from my banking account. I was scammed for {$2000.00} out of my hard earned money. This person used a property address that did not belong to them as well as documents Id, and property deed from a unknown person to scam. I contacted the recipient to refund the money back and has completely ignored my request, I also contacted my XXXX bank and Zelle customer service but I am unable to get my money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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 the privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # xxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Financial XXXX XXXX XXXX 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 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 reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes 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 information is inaccurate..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: TX

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

XXXX XXXX # XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Consumer Account # xxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX National Credit Audit 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 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 reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes 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 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 non-monetary relief