vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have reached out by email requesting them to remove my info as well as not provide my personal information to XXXX XXXX and experian. As they did not notify me of them providing my info to those two credit Bureaus. I do not consent for them to share my personal information. Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX | DOB : XXXX XXXX XXXX XXXX 
To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 
It is quite clear that someone from ( XXXX ) .lied about verifying this bankruptcy with the courthouses as they verified with XXXX XXXX XXXXThat is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX XXXX BANKRUPTCY, Docket # XXXX Please respond to me in writing once this removal has been completed. 
Sincerely, 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 explanation
Consumer complaint received 2022-12-02 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: TX

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 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 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 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I paid {$750.00} to Ulta-Comenity in and around XXXX XX/XX/2022 and they LOST the payments. 
Had proof from my bank it was sent. 
One day I get 2 statements from Ulta and one has a {$750.00} XXXX XXXX XXXX is my current Ulta account. They credited my OLD acct ( which should hv been closed ) they can't FIND my old acct if I call. They settled it in XXXX but NOW I GOT ANOTHET TWO BILLING STATEMENTS and now they say I owe {$350.00} on my old account.. if I call? THEY CAN NOT FIND THE OLD ACCT. I get told to call, email... theyll fix it..its not fixed and I need you to step in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: COMMERCE BANK
State: TX

Complaint narrative:
I have hard inquiries from car lenders that I did not apply to or give any one permission to use My social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: VA

Complaint narrative:
Experiencing financial hardship I have attempted to deposit my stimulus check from the U.S. Department of Treasury. Current Mobile bank states this check could not be verified. In turn, confirmation from U.S. Senator XXXX XXXX 's office with the verification, Taxpayer 's Advocate ID, was submitted still wasn't enough for Current Mobile banking. 
Yet, this bank advertises for direct deposit to include Social Security checks which are dispersed from the only U.S. Treasury Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
I made a new account with Venmo because my old account was no longer active. After trying to withdraw money that was sent to me out of my account, I was unable to because Venmo had said that my account was frozen. I tried reaching out to tell them that I only have my XXXX ID available and they said that they would not be able to take that and I have {$58.00} in my account that I need access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: DISCOVER BANK
State: FL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 US C 1681 section 602 states I have the right to privacy. 15 US C 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 US 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 2022-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Neighborhood Autos, LLC
State: TX

Complaint narrative:
I financed a XXXX XXXX XXXX from neighborhood autos a little over a year ago and I was told the car had a warranty but every time something has gone wrong Im told its not covered. I was also told when I got the car that I could get my insurance through the car lot and later found out I was still responsible for a liability policy on top of the insurance they offered. No one ever explained this to me, I found out by getting pulled over and receiving a warning for no insurance after the officer explained to me what had happened. They require me to have a {$250.00} deductible and at this point I cant afford to pay the car note and the insurance as its totaling {$500.00} to {$600.00} or more a month. They were not transparent about this vehicle purchase at all and I still owe over $ XXXX on the loan. They shouldnt be allowed to do this to people who are already struggling to pay bills. I need a reliable vehicle and I have to go without groceries so I can pay my rent and keep my vehicle and its really disgusting how they do people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: OH

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. 


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

15 U.S.C 1681 section 602 A. States I have 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 2022-12-02 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: PA

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 U.S.C 1681 XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX # XXXX 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 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 adverse item of information, other than records of convictions of crime 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. Pursuant to 15 U.S.C. 1692 ( G ) section 809 ( B ) I humbly request your agency sends proof of validation made pursuant to the FDCPA laws, please provide the amount claimed owed, an explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor, and confirmation that the account has not crossed the statue of limitations ( SOL ) period. I would like to inform that the agency has reported invalidated account information, it will be regarded as fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency you represent, then I will be compelled to take legal steps against your agency for the reasons mentioned. Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A. Defamation of character *Use of my copyrighted property. I will need a minimum of 14 days to investigate this information.

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 2022-12-02 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: PA

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 U.S.C 1681 XXXX XXXX : # XXXXXXXX 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 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 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crime 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. Pursuant to 15 U.S.C. 1692 ( G ) section 809 ( B ) I humbly request your agency sends proof of validation made pursuant to the FDCPA laws, please provide the amount claimed owed, an explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor, and confirmation that the account has not crossed the statue of limitations ( SOL ) period. I would like to inform that the agency has reported invalidated account information, it will be regarded as fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency you represent, then I will be compelled to take legal steps against your agency for the reasons mentioned. Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A. Defamation of character *Use of my copyrighted property. I will need a minimum of 14 days to investigate this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02 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:
I Consumer and natural person am a victim of identity theft. XXXX, has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. This credit reporting agency also known as a financial institution has violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information to benefit for monetary returns. Equifax is in direct violation of 15 USC 1681e ( b ) which states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates, in which Equifax failed to do this. Equifax is in direct violation of 15 USC 1681b regarding permissible purposes of consumer reports, in which I have not authorized, signed or given any direct instruction for Equifax to report these inaccurate accounts on my consumer report. Their Wilfull noncompliance which is a direct violation of 15 USC 1681n has caused me actual damages. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. Equifax is in direct violation of the FCRA law 1681s-2 by not holding up to its duty when furnishing consumer reports. Equifax is in direct violation of numerous laws under the FCRA and is also in direct violation of the Gramm Leach Bliley Act of 1999.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: GA

Complaint narrative:
It's been over 30 days and the creditor has not updated the information nor provided proof or documentation in regards to a late payment. They have not provided the information and must delete this information under my credit report. Under federal law they had 30 days to complete the information and by failing to do so it must be deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Hi, I had been using XXXX  XXXX and with the SLA they would let me redeem my currencies within 5 days. 

I had requested on XX/XX/16 and as of today my money is still not available and showing pending. 

I have over XXXX in it and would like to be able to access my asset as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Seattle Service Bureau, Inc
State: MO

Complaint narrative:
I was involved in a car accident on XXXX in a private parking lot where the other driver collided with my truck, under our states statutes he would be deemed at fault as the damage appeared at first to be minor to my truck I was willing to drop the matter, he contacted the police to file a report I gathered contact info from the witnesses that were present at this time. When the officer arrived he stated as it was a private parking lot we were both responsible for our own damages. A year and a half later I went to renew my insurance at which time they notified me I was suspended for this car accident. I reached out to the other drivers insurance company and sent them copies of the amended police report with witness statements. At which time XXXX XXXX refused to change the position of liability, the state XXXX stated that I needed to contact National Service Bureau the debit collector hired by XXXX XXXX. After contacting NSB I explained under our states laws I was not responsible for their damages they were actually responsible for mine Based on witness statements and my statement of what happened. One witness included a diagram of what happened and the other driver hitting my truck that was at a stop. With all of this National Service Bureau has taken action against my Drivers licence with out a Judgement or a valid claim that this money is owed. I can not get my license reinstated without payment to National Service Bureau, It comes down to me being held in a position of extortion to pay an unjustified debit in order to have my rights and my life back when I have no fault in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One has closed my credit card account Also Capital One company is crediting me {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: CORELOGIC INC
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate.

This ground for removal also violated my rights under. 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 an account without my written instructions. Also the Credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # 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 2022-12-02 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 the account below, my rights were violated : XXXX  XXXX Bankruptcy # XXXX 15 U.S.C. 1681 Section 602 A States I have A right To Privacy 15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish a account without my written instruction

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 2022-12-02 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: CBC Companies, Inc.
State: GA

Complaint narrative:
In accordance with Fair Credit Reporting, Everything has to be 100 % accurate on my credit report. The Credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate.

This ground for removal also violated my rights under. 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 an account without my written instructions. Also, the Credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # XXXX

Company response to consumer: Closed with explanation