vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX- Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - 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 also states 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 2022-04-25 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX. We have disputed the account.

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 2022-04-25 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: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
XX/XX/22 XXXX XXXX XXXX RNT DEBT XXXX. We have disputed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I was sued last year with lies on the dates Superior Court of California XXXX XXXX XXXX XXXX XXXX XXXX division. Case # XXXX, we ended up setting trial dates and a week before trial they dismissed case. 
The date of last payment was on XX/XX/XXXX of XXXX, they keep on saying that it made a payment in XXXX so the status of limitations would not be applied. 
Now they are using the date of XXXX for the collection when the correct date should be XXXX also this collection appeared as the original creditor with correct info.Law states that you cant have one collection twice so I need them to remove this from my credit report for 2 reason the incorrect dates and also it was already on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 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:
Equifax and XXXX XXXX XXXX ( Account # XXXX ) are violating my rights to privacy under 15 U.S.C. 1681 section 602A. 

Equifax is allowing XXXX XXXX XXXX to furnish Account # XXXX to my credit report without my written permission. I have never heard of XXXX XXXX XXXX or signed a contract that granted them permission to furnish an account to my credit report. 

I contacted the company listed as the original creditor, XXXX XXXX, and have not gotten any response from the company about the alleged debt despite calling several times. I also sent a follow up email that did not get a response. ( please see attachment # 1 ) When I disputed the account and asked Equifax to conduct a full investigation ( attachment 2 ), they stated that it was properly investigated. However, when I requested the method used to verify the debt ( please see attachment # 3 ), they did not respond. I was not provided the business name, address or phone number of any furnisher that was contacted for the debt they reported as verified. 

Under FCRA 611 ( a ) ( 6 ) ( B ( iii ), a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

Equifax and XXXX XXXX XXXX are using Account # XXXX to not only violate my rights but to bring hardship on me and my family during a national emergency. Please end this abuse by removing this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following XXXX Accounts listed below, have 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. 

Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX date opened XX/XX/XXXX XXXX  XXXX date opened XX/XX/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 DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX 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 2022-04-25 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 XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights 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.

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 2022-04-25 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 XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights 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.

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 2022-04-25 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 XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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

15 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 2022-04-25 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: MS

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

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

These are the list of Account numbers that have broken privacy including the one above. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2022-04-25 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: MS

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

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

These are the list of Account numbers that have broken privacy including the one above. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: LA

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

XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX. ACCOUNT # XXXX XXXX XXXX XXXX. ACCOUNT # XXXX XXXX  XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX U.S. DEPARTMENT OF EDU XXXX ACCOUNT # XXXX U.S. DEPARTMENT OF EDU. ACCOUNT # XXXX U.S. DEPARTMENT OF EDU. ACCOUNT # XXXX U.S. DEPARTMENT OF EDU. ACCOUNT # 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 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 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 2022-04-25 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 

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. 

XXXX : Creditor : XXXX XXXXXXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Creditor : XXXX XXXXXXXX XXXX Acct XXXX XXXX Creditor : XXXX XXXX XXXX  Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX EQUIFAX : Creditor : XXXX XXXXXXXX XXXX  Acct XXXX XXXX XXXX : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX VA XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 

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. 

XXXX : Creditor : XXXX XXXXXXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX EXPERIAN : Creditor : XXXX XXXXXXXX XXXX  Acct XXXX XXXX Creditor : XXXX XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX : Creditor : XXXX XXXXXXXX XXXX  Acct XXXX XXXX XXXX : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # 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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I received my credit report it had XXXX reports in one I immediately contacted transunion and they informed me the will fix it after XXXX weeks I received a new report finally a report all in XXXX then they locked my credit file making it inaccessible to pull my report. I never requested this and now they requested me to send in proof of identity and other not necessary to unlock a file I never requested to have lock only wanted it combined I am now inconvenience to wait a month to open my file when I never requested it to be locked.

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 2022-04-25 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: IL

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. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights. 


15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights. 

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. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights. 

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.

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 2022-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Received a letter date XX/XX/XXXX that Sunrise Credit Services was trying to reach concerning a very old XXXX XXXX XXXX  Account. They said that if I did not respond by XX/XX/2022 they would remote me to credit bureau. I received the letter on XX/XX/2022. This is the first communication from collector concerning this debt. They claim they have been trying to reach me by phone, but you receive so many spam calls a day that it would be next to impossible to know if they were calling me as no one ever leaves a voicemail. This may have been involved in bankruptcy as I had an XXXX XXXX XXXX  account in their. I have been given no chance to dispute this with them, prove otherwise or be given validation. I did have an XXXX XXXX XXXX account that is being handled by my state AG and the FCC. I refuse to speak to a collector at all as they refuse to listen and have a poor track record according to 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 2022-04-25 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: NC

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

15 U.S.C 1681 Section 602 A. States I have rights 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.

Company response to consumer: Closed with explanation