vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-21 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: GA

Complaint narrative:
Yes i have dispute with experian concerning the bankruptcy on my credit XXXX XXXX has remove it completly but experian said the will not remove it after the documentation i provided here are the laws that were violated 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. 
( XXXX ) Paid tax liens which, from date of payment, antedate the report by more than seven years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. Furthermore, the Consumer report agency can only add any Bankruptcy to a credit report once they have documentation certifying the Consumer withdrawal of a Bankruptcy Case. This Consumer Report Agency does not have any type of documentation showing that I withdrew any Bankruptcy case and if they happen to have such a document then this Consumer Reporting Agency will be in Violation of My Privacy Act.

Conditions of Disclosure to Third Parties A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ) The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use.

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 2022-08-21 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: TX

Complaint narrative:
I disputed this acount due to the account charged off in XX/XX/XXXX and showing 0 payment history until XX/XX/XXXX and XX/XX/XXXX, per Experian showing the account as charged therefore should not have any payment history whatsoever and why are they reporting charge off now again Per the FCRA I have the right to a accurate credit report and this is not fair or accurate

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 2022-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
I have previously reported XXXX XXXX, now they are being listed under a different debt collection agency as XXXX XXXXXXXX as an illegal debt tactics in an attempt to collect after being previously deleted. I was not notified of any additional documents or evidence to be added back to my credit report. Please delete or legal action will be taken. 

XXXX XXXX accounts were deleted XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXXXXXX 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 2022-08-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
fraudulent inquiries have been reported on my consumer reports i have disputed these in the past with no remedy available to me. i just filed a complaint with the FTC heres my report number : XXXX these need to be removed immediately you are in violation of my rights! 

15 USC 1681 Section 602 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 a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
fraudulent inquiries have been reported on my consumer reports i have disputed these in the past with no remedy available to me. i just filed a complaint with the FTC heres my report number : XXXX these need to be removed immediately you are in violation of my rights! 

15 USC 1681 Section 602 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 a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21 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:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX, has violated my rights. 

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 a account without my written instructions.

15 USC 1666 b : 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 non-monetary relief
Consumer complaint received 2022-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I went to XXXX with an approval from XXXX XXXX Bank, but they ran my credit with XXXX XXXX XXXXXXXX XXXX XXXX 2 times, XXXX XXXX XXXX XXXX without my consent. 

After that I kept getting inquiries on XX/XX/XXXX from XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX 2 from XXXX XXXX 

The same happened when I went to XXXX XXXX XXXX on XX/XX/XXXX, I had an approval from XXXX XXXX XXXX  and I have unauthorized inquires from XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OF XXXX XXXX XXXX 2 times XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have unauthorized inquires from XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX I need these unauthorized inquires deleted/removed off my credit report.

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 2022-08-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I went to XXXX with an approval from XXXX XXXX Bank, but they ran my credit with XXXX XXXX XXXXXXXX XXXX XXXX 2 times, XXXX XXXX XXXX XXXX without my consent. 

After that I kept getting inquiries on XX/XX/XXXX from XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, 2 from XXXX XXXX 

The same happened when I went to XXXX XXXX XXXX on XX/XX/XXXX, I had an approval from XXXX XXXX XXXX and I have unauthorized inquires from XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OF XXXX XXXX XXXX 2 times XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I also have unauthorized inquires from XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX I need these unauthorized inquires deleted/removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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:
In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX, has violated my rights. 

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 a account without my written instructions.

15 USC 1666 b : 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 2022-08-21 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 XXXX account # XXXX XXXX XXXX XXXX, has violated my rights. 

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 a account without my written instructions.

15 USC 1666 b : 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 2022-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have recently disputed my late payments as well as sent out letters asking for goodwill help on removing these lates as they are dramatically hurting me financially and emotionally. 

In accordance with the FCRA ( Fair Credit Reporting Act ) XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the FCRA ( Fair Credit Reporting Act ) XXXX XXXXXXXX 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 : States a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may to treat a payment on a credit card account under an open ed 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 non-monetary relief
Consumer complaint received 2022-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I opened my account with Citibank, I deposited 3 refund checks, I was told I had a 7 day hold which I was fine with no problem, so the day funds were released XX/XX/22 I had a XXXX Acct setup and tried to transfer funds to my husband they instantly locked my Acct for security they say, this was XXXX XXXX, I was called was told I would be contacted within 2 hours, no one called, I called back this time they say 1hr, hours pass now is XXXXXXXX XXXX I was told 24hrs!! Now Im pissed Im a XXXX struggling hard working mom this is my last dime for bills, & they are holding my Acct with a block like they have stolen my money and wont even let me speak to a supervisor or anything at one point one guy mocked me laughing at my frustrations!!! I will never bank with Citi again and I will file a lawsuit if this isnt fixed immediately!!! ( XXXX ) XXXX Acct number 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 2022-08-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have recently disputed my late payments as well as sent out letters asking for goodwill help on removing these lates as they are dramatically hurting me financially and emotionally. 

In accordance with the FCRA ( Fair Credit Reporting Act ) XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the FCRA ( Fair Credit Reporting Act ) XXXX XXXXXXXX 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 : States a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may to treat a payment on a credit card account under an open ed consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: CA

Complaint narrative:
I have recently disputed my late payments as well as sent out letters asking for goodwill help on removing these lates as they are dramatically hurting me financially and emotionally. 

In accordance with the FCRA ( Fair Credit Reporting Act ) XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the FCRA ( Fair Credit Reporting Act ) XXXX XXXXXXXX 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 : States a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may to treat a payment on a credit card account under an open ed 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 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX has omitted or purposely left off the last payment date off both credit entries they manage knowingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX card was emptied on XXXXXXXX. Apparently a hacker hacked my checking account with Bank of America and transfer funds to their personal account with same  Bank of America. My case hasnt been resolved they said investigation will take 10 business days and might get a temporary credit if the claim is prolonged but there is no guarantee I will get my money XXXX nor temporary credit. I want to make a police report for identity theft and retrieve the fraudulent person to put criminal charges against them but bank wont give me their information only the last 4 of the thief individual.

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 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX is not completely and accurately reporting my information to the Experian as follows : The account status is blank, and this is relevant data that is important!

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 2022-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
After sending a debt validation letter to Portfolio Recovery, I received a response letter that did not include any documentation confirming that I am responsible for the debt. It did not include an original contract, personal identification, signatures, or other verifiable documents. The response only included a billing statement. In addition, a representative admitted they did not send the necessary documents initially, thus putting them outside of the allotted 30 days to respond. This is a direct violation of my rights under the FCRA Law. 

The continued reporting of negative information to all three credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter and delete the account accordingly. 

The item that appears on my credit report : Portfolio Recovery XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove! 

Alliant Credit Union did not respond properly to the Affidavit that I sent, I also asked Alliant Credit Union to validate the alledged debt pursuant to XXXX XXXX XXXX. 

Alliant Credit Has not responded to the multiple requests and Now I am requesting remedy Pursuant to 15 USC 1640

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This company is pure evil and sick. They harass you and your family and they have a record of doing it intentionally. They hunt down your family members and harass them with false information using your personally identifiable information. I suffered irreparable harm from their wrongdoing and it has caused damage between my family and me. My mother and I no longer have a positive connection due to the false and misleading, and deceptive trade practices this company uses against consumers. This company uses threatening and extortionate means in ways to collect an alleged debt. I the consumer am making this complaint to bring light to the harm that this company has been intentionally inflicting on thousands of consumers daily. They have no regard for a consumer 's right to privacy. It is time that the CFPB takes action against this company for its abusive debt collection practices. They conspire with other corporations to deprive consumers of their inalienable rights by using vigorous methods to extort consumers. They a well known for violating several of the acts that congress has placed to protect consumers. They willfully and knowingly will ignore your efforts to have your information corrected in their database. They even violate their policies and can not be trusted. If you are a consumer like me, the time has come to report this company 's actions to our elected officials to bring awareness to a seemingly endless black hole of deception.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21 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: PA

Complaint narrative:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items on my credit report : Inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX No Category XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX # XXXX

Company response to consumer: Closed with explanation