vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 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: NJ

Complaint narrative:
This Company is reporting negative information without my written consent and on top of it the information is also COMPLETELY FALSE.

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2022-06-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2022-06-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: WI

Complaint narrative:
On XXXX XXXX a dispute was sent out to all XXXX credit bureaus about inaccurate information on my credit reports and I have yet to receive a response or any deletion of the incorrect information on my credit report. I have waited XXXX days or more for my credit report to be updated and nothing has been done. 
Needs to be Deleted American XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I HAVE SENT OUT SEVERAL LETTERS AND CALLED ALL three credit bureaus and I have not gotten any where my address and name, phone numbers nothing has been updated its all 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 2022-06-27 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:
I am XXXX XXXX and I am submitting this complaint on behalf of myself, there is no third party involved. 

On XX/XX/2021 EQUIFAX INFORMATION SERVICES LLC obtained my consumer report and file without a permissible purpose. EQUIFAX INFORMATION SERVICES LLC is also reporting unauthorized inquiries on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I had unauthorized transactions on my Chime bank account on XX/XX/22. The XXXX thing I did was place my card on hold, made a police report then I called chime and told them of the unauthorized transactions. They then canceled my current card and would send me a new card and said I would hear back from them in regards to the dispute. Well it took them less than XXXX to do a thorough investigation ( they say ) and sent me an email stating that my dispute was denied no explanation as to why. I don't feel this is correct in any way if they did do a thorough investigation they would see that it was clear that there was unauthorized transactions. Even looking at the times of the transactions was very close together and they only used my card as a credit card ( I never use it as a credit card ). If they were to look at cameras they would see that it was not me doing the transactions. And I would have expected that a bank would have seen how close together these transactions were and automatically put a hold on my account, but that did not happen. I should feel secure that my hard earned money would be safe and it was not. And now I am just supposed to be out {$310.00}? I don't think that I should suffer and be at a loss because they couldn't protect my money. Please help me in this matter. 

Thank you XXXX XXXX XXXX transactions are as follows XXXX. QT. {$20.00} XXXX. XXXX {$15.00} XXXXXXXX XXXX XXXX. {$4.00} XXXX. XXXX {$5.00} XXXX. XXXX {$13.00} XXXX. XXXX. {$5.00} XXXX. Frys. {$29.00} XXXX. XXXX. {$10.00} XXXX. XXXX. {$7.00} XXXX. XXXX. {$20.00} XXXX. QT. {$21.00} XXXX. QT. {$10.00} XXXX. QT. {$94.00} XXXX. Frys. {$54.00} And non of this was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: ME

Complaint narrative:
All XXXX consumer reporting agencies are reporting an alleged medical debt furnished by XXXX XXXXXXXX XXXX that should not be furnished. This alleged medical collection was reported before it should've been. Account was opened XX/XX/2022 according to new rules taken up by Experian, XXXX, and XXXX this XXXX XXXX account should not be on my consumer report until XXXX months after the first date of delinquency. As of XX/XX/2022 they are not suppose to report until XXXX year after first date of delinquency. This company clearly has not followed this rule. It has already Debt Parked this debt on my consumer file and nothing was done. Now I am Disputing the fact that this account shouldn't have been placed on my consumer report until XXXX months after alleged delinquency by Experian, XXXX, and 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 2022-06-27 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: WI

Complaint narrative:
On XXXX XXXX a dispute was sent out to all 3 credit bureaus about inaccurate information on my credit reports and I have yet to receive a response or any deletion of the incorrect information on my credit report. I have waited 60 days or more for my credit report to be updated and nothing has been done. 
Needs to be Deleted XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX  # XXXX I HAVE SENT OUT SEVERAL LETTERS AND CALLED ALL three credit bureaus and I have not gotten any where my address and name, phone numbers nothing has been updated its all inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XXXX XXXX a dispute was sent out to all 3 credit bureaus about inaccurate information on my credit reports and I have yet to receive a response or any deletion of the incorrect information on my credit report. I have waited 60 days or more for my credit report to be updated and nothing has been done. 
Needs to be Deleted XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I HAVE SENT OUT SEVERAL LETTERS AND CALLED ALL three credit bureaus and I have not gotten any where my address and name, phone numbers nothing has been updated its all 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 2022-06-27 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: ME

Complaint narrative:
All three consumer reporting agencies are reporting an alleged medical debt furnished by XXXX XXXXXXXX XXXX that should not be furnished. This alleged medical collection was reported before it should've been. Account was opened XX/XX/2022 according to new rules taken up by XXXX, TransUnion, and XXXX this Medical Collections account should not be on my consumer report until 6 months after the first date of delinquency. As of XX/XX/2022 they are not suppose to report until one year after first date of delinquency. This company clearly has not followed this rule. It has already Debt Parked this debt on my consumer file and nothing was done. Now I am Disputing the fact that this account shouldn't have been placed on my consumer report until 6 months after alleged delinquency by XXXX, TransUnion, and 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 2022-06-27 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: ME

Complaint narrative:
All three consumer reporting agencies are reporting an alleged medical debt furnished by XXXX XXXX XXXX that should not be furnished. This alleged medical collection was reported before it should've been. Account was opened XX/XX/2022 according to new rules taken up by XXXX, XXXX, and Equifax this Medical Collections account should not be on my consumer report until 6 months after the first date of delinquency. As of XX/XX/2022 they are not suppose to report until one year after first date of delinquency. This company clearly has not followed this rule. It has already Debt Parked this debt on my consumer file and nothing was done. Now I am Disputing the fact that this account shouldn't have been placed on my consumer report until 6 months after alleged delinquency by XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Bank Of 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

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 2022-06-27 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
State: NH

Complaint narrative:
Venmo. I was sent money ( {$600.00} ) VIA Venmo from a friend in-person for personal reasons. Not a purchase. Not a scam and not loan sharking of any kind. Venmo, 1 week ago froze the account holding funds claiming there MUST have been an email reason as to why and NO there was never an email. In fact I checked all devices and folders including Spam. There simply never was an email. They said 3-5 day its now a week. This has caused many issues and still i call/email daily even opened a XXXX dispute. They will NOT give info to me as to what has been an " issue '' as there simply hasn't been anything wrong done here. XXXX add the accounts been open since 2020 but not used often as other apps are the way to go for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting 10 year old information and nothing current. Called them and they stated I had no negative reports. But I was denied increase of credit from XXXX due to their statements- did not pay as agreed. I have an XXXX to XXXX on XXXX and XXXX. The only employment Transunion had was from XXXX They told me XXXX XXXX XXXX pay for their information and XXXX does NOT. I have had two jobs since then 5 years at one and 7 at the other. My loans are at a different credit union and have been since XXXX If they are NOT going to give out correct information nor fix it when I call or write they have no business being a credit reporting company that their information is used to obtain correct reports. My credit person at Transunion could not understand what I was telling her. Asked for a supervisor and she refused. Asked for someone that English was their first language and she refused.

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 2022-06-27 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: MD

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

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

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

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 2022-06-27 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 Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, BXXXX XXXX XXXX Account # XXXX has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: MD

Complaint narrative:
Regarding Transunions response to compliant XXXX of a 60 day reinvestigation. I dont find that response sufficient. I have mailed Transunion a letter of my intent to sue regarding the bankruptcy on my credit report that they uses XXXX XXXX as their furnisher. My letter of intent to sue was mailed via USPS with tracking # XXXX. Not only did I supply Transunion with the XXXX XXXX results showing the bankruptcies came back unverifiable. On the XXXX XXXX results page, that I have already sent, is a website and passcode to pull my most recent XXXX XXXX Report where you can scroll down to the bankruptcy section and see that it has been removed. XXXX XXXX is no longer a furnisher of bankruptcies regarding my self. I also received a letter from the courthouse stating they do not furnish any information to ANY CREDIT AGENCY.

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 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX has items on my credit report that are not mine name is not mine : XXXX XXXX please delete. 

inquiries are not mine : please delete. 

XXXX XXXX XXXX XXXX XXXX CITIBANK N A // 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 XXXX please delete

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 2022-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX has items on my credit report that are not mine name is not mine : XXXX XXXX please delete. 

inquiries are not mine : please delete. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Changed cellular service to XXXX in XX/XX/XXXX, paid final XXXX XXXX XXXX cellular phone bill XX/XX/XXXX and closed my account. Credence Resource Management has an open date for XX/XX/XXXX and a balance updated date of XX/XX/XXXX for a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: VA

Complaint narrative:
Attached is a letter that I received from XXXX XXXX. This is an Alias Name used by Elan Financial Services, I guess so that their customers do not know the company that they are dealaing with.

This letter states that my account was closed because of the number of late payments over the last 12 months. This account was set up on automatic payment and there was never a late payment. I wrote to the company and requested the dates when payment was late and they responded by telling me that it would cost money to get that information. This is totally inappropraite. If the company wants to spread miss-imformaton, they should provide the proof of the information. 

In the attached letter they also say something about the high cash balance. There was never a cash balance on this card. 

I have not clue what they mean by number of months since the account was opened. The account was opened about 5 years ago and was automatically paid every month. 

The last comment in the attached letter is Number of Delinquencies in the past 6 months. As discussed above, the account was set up on automatic payment and there was never a late payment. 

I respectfully request that Elan Financial Services provide data to support their statements including date payment was due and date payment was received for each incident where they are claiming that the payment was late Kindest personal regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The bank from which I took out this card was notified numerous times that I had relocatred from XXXX to XXXX XXXX. The Bank and not Elan Financial services is what shows on the statement and virtually all of the correspondence received.

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