vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-21 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( s ) : Original Debt : XXXX  XXXX Debt Collector : XXXX XXXX Account # XXXX Amount : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: SC

Complaint narrative:
On several occasions i have contacted XXXX about that i am paying for their service and am unable to view my credit Score on the app or on line and each time i call I have been on the phone for well over an hour ( closer to 2 hours ) wich has not ended in a resalution any of the times .The only responce i recieve is that they will escalate my claim and in 6 to 7 days i will hear from a member of that team, well going on a month now and no responce, and it seems weather im calling about the inability to use the app that im paying for i get really disgruntled, so much so a woman by the name of XXXX told me that she was as large of a supervisor that their was and there lwasnt any one higher than her not believing but with no other recourse i concided When I filed the FTC police report i never recieved notification of them recieving it ( nor did the other 2 bureau ) I had to call to and ask to find out if it had been recieved.and to futher aggrivate with XXXX and the other 2 bureau ( XXXX and transunion ) all 3 refused to honor the FCRA rights i am granted by the FCRA where 605 ( b ) states upon reciept of the police report the credit reporting agency SHALL block the files in question until the investigation is complete I have repeditivly asked and been told NOeven after expressing to them that i wouold file a complaint with the FTC and the CFPB and were told verbattem '' so what '' It is in my opinion that someone at XXXX is intentionally causing negitives to happen the same files from the same companies have been being disputed at the same time and XXXX is the only bureau to move my score down by nearly 100 pts in a day, with only so much as a comment being changed on my report i would understand if new collections were being added or delinquint accounts but there is notg the only thing at all that changes is a discription or words no removal or addition to accounts, and i have been hung uop on when asking about this or to speak to managment about it the amount of damage this does when attempting to aquire new personal or business credit is insane it constantly has me adding new inquires to my account for nothing how can they just get away with this.I am incloseing pictues othe fluctuation of their score singly and in refrance to the other bureaus and the entire time all of the bureaus have been working on all of the exact safe files .but they are the only bureau to do this to me, along with a screenshot of the app where i have not been able to view my credit score for almost a month but i pay for it ******picture of fico scores just know my XXXX score was XXXX the day XXXX and no more negitive accounts were added

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 2022-08-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On several occasions i have contacted XXXX about that i am paying for their service and am unable to view my credit Score on the app or on line and each time i call I have been on the phone for well over an hour ( closer to 2 hours ) wich has not ended in a resalution any of the times .The only responce i recieve is that they will escalate my claim and in 6 to 7 days i will hear from a member of that team, well going on a month now and no responce, and it seems weather im calling about the inability to use the app that im paying for i get really disgruntled, so much so a woman by the name of XXXX told me that she was as large of a supervisor that their was and there lwasnt any one higher than her not believing but with no other recourse i concided When I filed the FTC police report i never recieved notification of them recieving it ( nor did the other 2 bureau ) I had to call to and ask to find out if it had been recieved.and to futher aggrivate with XXXX and the other 2 bureau ( experian and XXXX XXXX all 3 refused to honor the FCRA rights i am granted by the FCRA where 605 ( b ) states upon reciept of the police report the credit reporting agency SHALL block the files in question until the investigation is complete I have repeditivly asked and been told NOeven after expressing to them that i wouold file a complaint with the FTC and the CFPB and were told verbattem '' so what '' It is in my opinion that someone at XXXX is intentionally causing negitives to happen the same files from the same companies have been being disputed at the same time and XXXX is the only bureau to move my score down by nearly 100 pts in a day, with only so much as a comment being changed on my report i would understand if new collections were being added or delinquint accounts but there is notg the only thing at all that changes is a discription or words no removal or addition to accounts, and i have been hung uop on when asking about this or to speak to managment about it the amount of damage this does when attempting to aquire new personal or business credit is insane it constantly has me adding new inquires to my account for nothing how can they just get away with this.I am incloseing pictues othe fluctuation of their score singly and in refrance to the other bureaus and the entire time all of the bureaus have been working on all of the exact safe files .but they are the only bureau to do this to me, along with a screenshot of the app where i have not been able to view my credit score for almost a month but i pay for it ******picture of fico scores just know my XXXX score was XXXX the day XXXX and no more negitive accounts were added

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 2022-08-21 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( s ) : Debt Collector : XXXX XXXX XXXX Account # XXXX Amount : {$1600.00}

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 2022-08-21 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: GA

Complaint narrative:
I was a victim of identity theft and these are the accounts that I am requesting to be removed from my credit report : XXXX XXXX : {$51.00} XXXX XXXX XXXX XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX : {$0.00}

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 2022-08-21 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: Regional Management Corporation
State: WI

Complaint narrative:
Company Regional Finance Corporation located at XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Wisconsin XXXX XXXX is reporting debt information TWICE on my credit report ACCOUNT NUMBER XXXX which is illegal and violation of the FCRA.Also reporting this debt is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXXThis is illegal and should be removed from my credit reports from all 3 credit bureaus from the original creditor thank u.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On or about XXXX XXXX, I checked my credit scores on the website XXXX XXXX. 
Transunion indicates a XXXX point drop. Also, Transunion indicates that I paid off a debt of {$5400.00}. Usually when debt is paid off, credit scores increase by several points, not decrease. 
Furthermore, the account indicated by Transunion is not and has not been paid off. 
Of the other free credit score sites I use, there is no indication from the other credit reporting agencies that my score dropped.

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 2022-08-21 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: SC

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act 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 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 2022-08-21 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: SC

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( s ) : Debt Collector : XXXX XXXX XXXX Account # XXXX Amount : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: FL

Complaint narrative:
XXXX HAS NO RIGHT TO SHARE MY NON PUBLIC PERSONAL INFORMATION, THEY NEVER GAVE ME AN OPTION NOR DISCLOSE TO OPT OUT. EXPERIAN BEING A THRID PARTY AFFILIATE, HAS NOT AS REQUIRED UNDER FEDERAL LAW. 
PURSUANT TO 12 CFR 1016.4 Initial privacy notice to consumers required. 

( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 1016.14 and 1016.15 of this part. 

XXXX HAS NEVER DISCLOSED ANY OF THIS TO 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 non-monetary relief
Consumer complaint received 2022-08-21 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, XXXX XXXX XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21 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, XXXX XXXX XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( s ) : Debt Collector : XXXX XXXX  Account number : XXXX Amount : {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( s ) : Debt Collector : XXXX XXXX  Account number : XXXX Amount : {$340.00}

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 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Synergetic Communication Inc
State: IA

Complaint narrative:
XX/XX/2022 {$2400.00} I called the company and told them that this was not my account and the name on the account I hadnt used in 20 plus years and I had never had an account with XXXX Bank. She asked if I was going to settle the account and I said no it wasnt mine and gave me the info to file here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My credit trackings reported a newly opened credit card account with Bank of America under my name, which I have never applied for. The account is opened on XX/XX/XXXX, and except for the reports I got from my credit tracking alerts of my own credit card issuer ( another bank than BOA ) and XXXX, I have received no communication from BOA or anything concerning a credit card request in mail or email.

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 2022-08-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I reached out to the credit bureau via called, faxed and mailed and no action have be taken with the unauthorized inquiries. can you please help me out. 
THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: DISCOVER BANK
State: GA

Complaint narrative:
These accounts were recently or previously reported on my credit report and are not my accounts. 
XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX Discover Bank- XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: CA

Complaint narrative:
Ref : Experian Blatant roadblocks in truly investigating data published in credit reports It seems Experian makes it a habit to overlook the Fair Credit Reporting Act ( FCRA ) ; which is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. 
I have been trying now for 3 months to correct the inaccuracies and erroneous data contained in my credit report to no avail. I have contacted Experian both online and through regular mail to ask for a real investigation of said errors. 
However, I keep getting the same answer that they have verified the data to be correct. I have a huge problem with that claim because when I submitted the same request to XXXX, they were NOT able to verify that information as accurate and deleted it all from my report. 
It is mind boggling that this agency keeps making the same claim, causing injury to my credit score and any attempt of being approved for credit due to perhaps laziness and a lack of respect for me and for the law. Also on other occasions, Experian simply would not allow me to dispute an item through their online system, claiming that said item had already been investigated. 
A proper investigation should not go through an E-Oscar completely automated system because there is no way it would be 100 % accurate and they know it but they keep delaying and putting up unnecessary hurdles in an effort to discourage a person from pursuing any corrections on their credit report. 
These practices are unfair and they need to stop, because as consumers we were promised fairness and accuracy in a report that we never signed up for. It was all forced on us and the least they can do is conform to the laws governing their very existence.

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 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
Early Warning https : //www.earlywarning.com/ did not respond to mail-in forms requesting a copy of my personal report after being denied a new XXXX XXXX bank account. I printed the form and sent in a copy of my State ID card. The request was ignored after a month of waiting. It can only be done by printing out the forms they require and mailing them in.

Company response to consumer: Closed with explanation