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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXXXXXX XXXX XXXX XXXXXXXX. ACCOUNT # XXXX XXXX XXXX XXXXXXXX. ACCOUNT # XXXX XXXXXXXX XXXX XXXXXXXX. ACCOUNT # XXXXXXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ACCOUNT # XXXX XXXX DEPARTMENT XXXXF EDU XXXX ACCOUNT # XXXX XXXX DEPARTMENT OF EDU. ACCOUNT # XXXX XXXX DEPARTMENT XXXX XXXX. 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 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: 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. 

XXXXXXXX XXXX XXXX XXXXXXXX. ACCOUNT # XXXX XXXX XXXX XXXXXXXX. ACCOUNT # XXXX XXXXXXXX XXXX XXXXXXXX. ACCOUNT # XXXX LOUISIANA XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX U.S. DEPARTMENT OF EDU . 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 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: The CBE Group, Inc.
State: VA

Complaint narrative:
n accordance with the Fair Credit Reporting XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C.1681 section 602 A.States that 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 with out my written instructions. 

15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.

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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # 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: Experian Information Solutions 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 XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # 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: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: MN

Complaint narrative:
I have incorrect information reported on my credit report this is inaccurate and I need it remote and fix I have been a victim of identity theft and trying to rebuild my credit and protect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
This situation stems from 2017 if i recall correctly, a bank account was opened in my for bank of America, ( fraud ), ive tried numerous of times reaching out to corporate because no one would help resolve the problem,,, because of this, Im red flagged & i can't open up any checking accounts with any bank, i need this removed off my account immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX  XXXX date opened XX/XX/XXXX XXXX  XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX TRANSUNION 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 DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Equifax XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX XXXX XXXXXXXX date opened XX/XX/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 XXXXXXXX XXXX DATE 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 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 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

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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX 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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The Account below violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 This vehicle was repossessed by TOYOTA MOTOR CREDIT in the State of CALIFONIA on or about, XX/XX/2015, and resold. 

Under the laws of the State of CALIFONIA UCC 2983.2 and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. 

TOYOTA MOTOR CREDIT Account number 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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: 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 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX According with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 604 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: MARINER FINANCE, LLC
State: VA

Complaint narrative:
n accordance with the Fair Credit Reporting XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C.1681 section 602 A.States that 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 with out my written instructions.

15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 XXXX XXXX, VA XXXX SS # XXXX 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. 

EXPERIAN : Creditor : XXXX XXXX XXXXXXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : US BKPT CT XXXX XXXXXXXX Ref # XXXX XXXX : Creditor : XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX. XXXX XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX Creditor XXXX XXXXXXXX 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 card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On approximately XX/XX/XXXX of XXXX, I paid {$200.00} dollars on my account and soon after I tried to make a charge on my card and it was not approved. I didn't think much of it at the time and on about XX/XX/XXXX, I recieved an email stating that i should log into my accout to read a notice that was there. I recieved 2 letters one stating that my account was restricted due to over draft or severely delinquent. This was false and inaccurate. I called on XX/XX/XXXX, and talked to a few representatives at the company and to their knowledge this was also inaccurate and false. No one could explain the issue and why my account was closed abruptly without explanation. I decided to take a look at my credit report with XXXX XXXX  to realize that it was reported to the credit agencies without my permission. Pursuant to 15 USC 1611, releasing false and inaccurate information is a violation and holds a penalty up to 5 years imprisonment and or {$5000.00} fine. Pursuant to 12 CFR Part 1026.11, account termination. Creditor must refund all amount of credit to consumer in form of check, money order, etc. Or credit account within 7 days. These are just a few of my rights as a consumer that were violated. Pertaining to the Truth In Lending Act, HJR 192, FTA, Consumer Rights, etc, these violations hold penalties.just trynna exercise and protect my rights. I have all documents pertaining to this matter.

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: Incorrect information on your report — Information is missing that should be on the report
Company: DataMax Corporation
State: NC

Complaint narrative:
There is a debt on my report that is in accurate because I had and still have XXXX health insurance and have the 2017 card to prove it

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: 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 response to consumer: Closed with explanation