vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 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: TN

Complaint narrative:
In accordance with the fair credit reporting act credit bureau has violated my rights 15USC1681 section 602 A states I have right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
Violated hippa laws I didnt authorize original company to sell my medical dept to another company I didnt not authorize another company to view my medical debt that violates hippa

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: IA

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: UT

Complaint narrative:
I use the Wisely ADP prepaid card for almost 2 years and I received one stimulus here and my taxes and payroll direct deposit and on the XXXX of XXXX I was going to receive my taxes in the amount of {$27000.00} that day and they made me put in my W2 my ID my SSN AND MY IRS LETTER BECAUSE OF MY LARGE AMOUNT GOVERMENT DIRECT DEPOSIT AND THEY STILL HAD THE NERVE TO NOT ACCEPT IT EVEN THOUGH THEY ACCEPTED ALL MY DOVUMENTS AND NOW I HAVE TO WAIT 2 weeks for paper check so not fair and I loved this prepaid card so much never had troubles and now I am!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: AL

Complaint narrative:
I contacted the three credit bureaus on XX/XX/2022 to inquire about some inquiries that I do not recognize. I asked the credit bureaus to provide me with a credit application because I don't recall making such inquires. I asked them to verify and send me proof of the credit inquires because I don't believe the creditor or the credit bureaus are abiding by the law of permissible purpose, because I don't recall ever making such a request for my credit to report to be pulled. I've sent multiple letters to all three bureaus and I did not receive anything back from Experian in which I know they are illegally Ignoring me. XXXX sent something back stating I have to contact the creditor directly and XXXX never got back with me either. I have mail receipts via USPS and It says it was delivered to them. I've sent multiple letter addressing the issue and they have done nothing at all but violate the FCRA. I took the matter in my own hands and reached out to each creditor and none of them can verify the credit application used to determine the inquiry they listed. I believe the credit bureaus are not reading my request and are just sending out pre template responses.

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 2022-04-22 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:
Unknown medical bill showing reporting on Equifax acct XXXX in the amount of {$100.00} has been disputed already and bureaus have not complied to prove account or inform of original furnisher without validation not sure how to know : 1. If it's my debt and 2. how to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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 act XXXX Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights XXXX5 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. 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 explanation
Consumer complaint received 2022-04-22 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 act XXXX Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights XXXX U.S.C Section XXXX A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXXt Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. 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 2022-04-22 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: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-22 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: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-22 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: NJ

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

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

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

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 2022-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Company refuses to provide a clear and concise validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
paypal put on hold on the money that i have on my account {$36.00} for 90 days. they permanently banned my account. not able to withdraw my money on my paypal account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Someone had broken into my account and made withdrawals, and took out XXXX $ from an ATM. They used the money to do grocery shopping at XXXX and XXXX using XXXX XXXX to pay for the items. That person knew how to get into my account and knew my PIN and the bank is doing nothing to help and will not give back the money. They did not do an investigation, nor has they did not check cameras during the time of the crime. In the meantime of the crime, I was at work. No one has my card or my phone, however.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 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 non-monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 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 2022-04-22 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: American First Finance, Inc.
State: GA

Complaint narrative:
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results/update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results/update.

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 2022-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute in regard to the incorrect items reported on my credit report, it has been well over 30 days, and I have not received any investigation results/updates.

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 2022-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: MS

Complaint narrative:
I had car repairs at my local, XXXX shop in XXXX, MS back in XX/XX/XXXX. My total car repair that day totaled about XXXX XXXX.The sales rep offered me a credit line through a company called XXXX XXXX  . It's funded through a bank or business called, Duvera. They gave me a 90 day same as cash option that expired after the three months. The payments made by the expiration of XX/XX/XXXX were {$850.00}, which left roughly {$1000.00} to be financed. Well the interest rate was 183 % or more!! I noticed the first statement after the 90 day period was like still a total of {$1900.00}. I made a {$350.00} payment in XXXX of XXXX, but I also went out on XXXX due to job injury in XXXX. I wasn't able to make the payments for XXXX, and while I was out for recovery, I noticed the extremely high interest rate. I haven't made a payment since. I need to know if anything can be done about this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: ProCollect, Inc.
State: LA

Complaint narrative:
In accordance with the fair credit reporting act, These Companies below have violated my Federally Protected Consumer rights to privacy and my rights to confidentiality, under the 15USC and 1681and1681sec 602 and 604. 15usc 1681 sec 602 A States, I have the right to privacy. 15usc 1681 sec 604A sec 2 also states a consumer reporting agency, can not furnish accounts without my written Instructions. 15usc 1681c sec A ( 5 ) no consumer reporting agency may make any consumer reports containing any of the following items of information or any information, other than records of convictions of crime with Antedates. The report more than 7 years.15usc 1681. If a person knows or have congressional reasonable cause to believe that the information is inaccurate. 
1.XXXX XXXX XXXX & XXXX 2XXXX, XXXX & XXXX ( XXXX XXXX NO ACCOUNT NUMBER 3.XXXX 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 explanation
Consumer complaint received 2022-04-22 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 have recently reviewed my credit reports and the following information is inaccurate : XXXX XXXX acct # XXXX has a XXXX Balance and Furnisher agreed to drop from reporting and Trans Union has failed to comply! 

-XXXX  XXXX XXXX have three accounts with a XXXX Balance and Furnisher agreed to drop from reporting and XXXX has failed to comply! 

-XXXX XXXX  account # XXXX has a Zero Balance and Furnisher agreed to drop from reporting and XXXX has failed to comply!

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 2022-04-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute in regard to the incorrect items listed on my credit report, it has been well over 30 days, and I have not received any investigation results/updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: IA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXXXXXX 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 2022-04-22 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: IA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX in the amount of {$7900.00} 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