vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 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: AL

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 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 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 2023-06-06 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: AL

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 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 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 2023-06-06 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: DE

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.

The letters are stated with items and issues.

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 2023-06-06 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: LA

Complaint narrative:
was trying to buy a house and I realized that I had damage on my credit report according to the 15 U.S.C 1681 they should not be any damages on my report this is a defamation of my character. In XXXX I lost my job due to covid-19. per the CFPB website we were advise if you are having problems with paying your bills during COVID-19 to reach out to your Leanders or creditors and find out what options or programs were available. I reached out to every company. XXXX would not approve payment deferment on all my account. I had to try to borrow money to pay XXXX. If I was unable to make payment and company could not defer that account I received an 30 day late on my credit report. XXXX used a company system and it would only allow 1 or 2 account to be deferred at a time. Once I started receiving unemployment payments I was able to make payments on my accounts. I was not able to find a job until XX/XX/XXXX. The government advise all the creditors to forgiving late payments during COVID-19 XXXX and XXXX XXXX did not offer grievance during COVID-19 XXXX has damaged my credit with 6 accounts and several late payments. I had 8 accounts totaling over {$10000.00} and was never late until I lost my job, XXXX XXXX reported 1 late payment in XX/XX/XXXX. I have written letters and sent several emails asking to remove late payment. XXXX XXXX sent back a very nasty letter. I had this account since XXXX and never been late. 
XXXX XXXXXXXX has been reporting late payments with on my credit. XXXX XXXXXXXX is not my loan servicer. ALL Student loan payments are suspended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX  Balance : {$9100.00} XXXX XXXXXXXX XXXX Balance : {$4000.00}

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 2023-06-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am so upset and freaked out about what is happening to my credit record and myself. Not only is it extremely humiliating, but it is obviously either your responsibility or the fault of the corporation for publishing this false information. Update to paid now or as promised and remove any annotations for late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I did not give PORTFOLIO RECOVERY ASSOCIATES LLC the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

PORTFOLIO RECOVERY denied any inaccuracies but after further investigation I can confirm they are reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give PORTFOLIO RECOVERY permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with PORTFOLIO RECOVERY yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further. 

My complaint is also with two bureaus XXXX, and XXXX who are allowing PORTFOLIO RECOVERY to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX or XXXX, permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: Rent Recovery Solutions
State: TX

Complaint narrative:
I did not give RENT RECOVERY the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

RENT RECOVERY is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give RENT RECOVERY permission which is another violation.

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with RENT RECOVERY.

USC 1692b states that any debt collector is not to state that such consumer owes any debt, I have a letter from rent recovery stating that owe a debt to them. 
My complaint is also with three bureaus XXXX, XXXX and XXXX who are allowing RENT RECOVERY to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX, XXXX, or XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
usc 1681 section 602 states I have the right to privacy usc 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction us code s 1681a definitions rules of construction exclusions : except as provided in paragraph the term consumer report does not include any report containing information solely as to transaction or experience between the consumer and the person making the report usc 1666b - a creditor may not treat a payment on a credit card account under an open-end consumer credit card account as late for the purpose Chase credit card, XXXX XXXX XXXX late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  accounts In accordance with the Fair Credit Reporting act XXXX accounts, XXXX XXXX XXXX  # XXXX has violated my rights :15 U.S.C 1681 section 602 A states I have the right to privacy / 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Moore Law Group
State: CO

Complaint narrative:
This is the second time Im gon na do a complaint on The Moore Law Group. I did not have any communication with them beforehand. According the XXXX XXXX XXXX Im supposed to be notified before them taking me to court. Regardless of whatever, they broke the law and its unlawful for them to continue pursuing me.

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 2023-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Recovery One, LLC
State: TX

Complaint narrative:
Sent 2 letter certified mail and filed a dispute on XXXX 2 months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: CA

Complaint narrative:
XXXXcbna inquiry unauthorized

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 2023-06-06 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: HI

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

Account ( XXXX XXXX XXXX ) According to 15.USC 1681i ( 1 ) the Credit bureaus have to modify or delete accounts that are nor reported accurately According to 15 1681 ( 1 ) the Credit bureaus don't have no written permission According to 15 USC1681s-2A a person shall not furnish a y information relating to a customer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and conformation of errors A person should not furnish relating to a consumer to any consumer reporting agency If- The person has been notified by the consumer, at the address specified by the person for such notice that specific information is inaccurate. 

I can go on and on The Credit bureaus no respect for laws. 
Someone newd to hold the accountable for this.

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 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2023 I deposit a check on my Chase bank checking and they put a hold on my account. I had {$100.00} on my checking account before I deposit the check. On XX/XX/2023 I decided on doing my laundry however Chase bank account was put on restriction. I called them and ask why? And they told me that because I deposit a {$5600.00} and they still need to get it verified. So I ask why would they restrict the whole amount. Asking if I can just use {$100.00} to do my laundry. They still keep bringing up the {$5600.00}. The person wanted to talk to the owner of the check they said theres not enough info about the check. I told them not to worry about the check not right now and just give me {$100.00} so I can do my laundry. They told me my account was restricted because of the check. The conversation was just going in circle to the point I just got irritated. They told me theyre giving me a red flag and hang.up. I called again. Ask me if I didnt want the {$5600.00} and they need to talk to the colleagues. I ask the same question how is the check {$5600.00} have something to do with my {$100.00}. They told me I shouldnt ask that question and they would hang.up on me. Which they did. I called again. This time it was a female. She clearly explained it to me. She told me that I can go to the branch and get {$100.00} to show them my I.D . And card. Also, the banker told me to call the bank owner and tell them to cancel the check. also, she ask if she can get the telephone number of the owners check. Which I also did. And then they said they cant call the owner because the phone number is not in the business. I told them that I was really disappointed about the transaction and planning on closing the account in chase because I am paying {$5.00} every month so I can have an easy banking. The banker then told me that if I dont cancel the check they will keep the money and charge me with fees.So I did what she told me. The owner of the check told me the money was already taken out from the bank and they cant cancel it. ( XXXX XXXX ). Also, went to the chase branch And the banker told me the account is still restricted. As of today, its been 1 week the funds are already available to my account however the bank still restricted my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I have spoke with several representatives from affirm and its third party credit collection company names XXXX XXXX XXXXAffirm and XXXX according to the supervisor at XXXX have an internal battle and affirm will not update customer accounts because they want the money transferred from XXXX which they can not being it was sold off from affirm to XXXX. So for months my credit report is reporting false information

Company response to consumer: Closed with explanation