vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-04 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2022 I mailed off letter certified receipt returned. I requested that accounts on my credit file with Experian. Be investigated for information being reported inaccurate on my credit file. I am filing this complaint in reference to not being notified of my investigation results that were filed. I have also not received any response to the investigation letter that was sent certified. The letter was stamped received on XX/XX/2022 concerning the accuracy of information being reported on my credit file. Per the federal mandated time for this investigation. By law is the 30 day mandated time allotted for the investigation results I am to be made aware of whom completed results, whom was contacted in reference to the investigation completed results, and how the investigation information was obtained. As, of the date of this letter XX/XX/2022 I have not received any investigation results, nor have I received a updated copy of my credit report. From Experian credit bureau the non compliance of the results requested. Is in direct violation of my constitutional rights 15 USC 1681.

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 2022-07-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Me and my mother was give some information from a family friend that said they were going through a similar situation and they had a Second chance company that helped them named XXXX XXXX.I was provided the contact information for XXXX XXXX 

On XX/XX/XXXX I have reached out to XXXX XXXX and spoke to a representative named XXXX. I informed XXXX about me and my mother 's issues with finding apartments that we can get approved for, due to our credit issues. He assured me that he could assist, he discussed payment and what to expect. XXXX told me that their company would be the guarantor of the contract for whatever apartment I choose. 
I talked this over with my mom and we agreed to send the money. I talked to XXXX and filled out of a form of where me and my would like to be located with the needed amenities. He gave me all of the avaliable Payment methods. We figured XXXX would be the best option. I gave XXXX {$600.00} XXXX, to the XXXX account. XXXX told me that he would send an Apartment list with what is needed, with the XXXX XXXX to me, so we can go visit the apartments within 48 Hours. 

I have yet to receive an Apartment list. I have tried reaching out to XXXX and I haven't not a received a response thus far. 

On XX/XX/XXXX I reached out to Chase to see if someone could assist. I spoke to a representative who stated that I would have to speak to XXXX regarding the manner ; and I was transferrred over. I spoke to another representative, who stated since I willingly sent the money to the merchant ; they could not do anything. I asked to be transferred back to the previous department. However, the representative stated that there was not much more Chase could do either. 

Also, I requested my money back from XXXX XXXX and it was rejected. 

I have not received the services that I have paid for and I would just like my money back at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: TN

Complaint narrative:
upon checking report i notice fraudulent charges on my report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I was paid {$95.00} from a customer they put the payment on hold. He called in asking why they because my account was new. So they informed him to tell me to refund the money and he would get his money back immediately so we did that and they put that on hold also after the representative told us it wouldnt be a hold. Because of that he sent another payment which they also put on hold. We called complaining so they released 1 of the payments to me. So there was still the other XXXX on hold. My customers called in needing his XXXX back that was on hold. They took almost about 2 months to refund him but when they refunded him but instead of them taking the XXXX they had on hold from his credit card they tried taking it as an echeck from my XXXX  which I didnt give them permission to do. They couldnt get it from XXXX  because I had nothing in the bank they have negatived my PayPal account and now is threatening to report it to collections when they have the {$95.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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:
Recently I have checked my credit report and noticed some fraudulent activities on my report. I did a FTC report and included it below of all fraud accounts and names and addresses. 
I have never lived at these addressesXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I never worked here : XXXX XXXXXXXX XXXX I never authorized these inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently I have checked my credit report and noticed some fraudulent activities on my report. I did a FTC report and included it below of all fraud accounts and names and addresses. 
I have never lived at these addressesXXXX 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 I never worked here : XXXX XXXXXXXX XXXX I never authorized these inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
my car loan with XXXX XXXX XXXX violation according to the FCRA 15 U.S.C. 1605 determination of finance charge

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 2022-07-04 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: TN

Complaint narrative:
upon checking report i notice fraudulent charges on my report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-04 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: TN

Complaint narrative:
upon checking report i notice fraudulent charges on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-07-04 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:
my car loan with XXXX XXXX XXXX violation according to the FCRA 15 U.S.C. 1605 determination of finance charge

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 2022-07-04 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:
my car loan with XXXX XXXX XXXX violation according to the FCRA 15 U.S.C. 1605 determination of finance charge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX, Account # XXXX US DEPT ED, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX US DEPT ED, Account # XXXX US DEPT OF EDXXXX XXXX Account # XXXX US DEPT OF EDXXXX XXXX Account # XXXX DPT EDXXXX XXXX Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX XXXX Account XXXX XXXX DPT EDXXXX, Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX XXXX Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
according to the FCRA you are in violation of reporting late payments on my credit cards 15 U.S.C. 1666b timing of payments XXXX XXXX XXXX and XXXX XXXX XXXX credit card

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 2022-07-04 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX 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 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 2022-07-04 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account XXXX XXXXXXXX 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 an account without my written instructions,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
SSN XXXX XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX Email : XXXX, XXXX Date Of Birth XX/XX/1985 Phone Number XXXX XXXX XXXX ADRESSES XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Nevada XXXX ( Current ) XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX Nevada XXXX ( previous ) XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX ( previous ) Subject : Dispute XXXX XXXX XXXX from my credit report, Amount XXXX based on the following errors against state law. ( EVIDENCE ATTACHED ) Count 1.Notification Error ; XXXX XXXX XXXX sent the written notifications of repossession and auction to the wrong/unrelated address aganist the state Law.I WAS NOT NOTIFIED WHEN MY STORED VEHICLE REPOSSESSED AND AUCTIONED Applicable Law Per NRS 482.516 '' Any provision in any security agreement for the sale or lease of a vehicle to the contrary notwithstanding, at least 10 days 's written notice of intent to sell or again lease a repossessed vehicle must be given to all persons liable on the security agreement. The notice must be given in person or sent by mail directed to the address of the persons shown on the security agreement unless such persons have notified the holder in writing of a different address ''. 
Count 2, XXXX XXXX XXXX never gave notice of intended disposition of the vehicle as required by NRS 104.9614, NRS 482.516 ( 1 ) and ( 2 ), and is, therefore, precluded from the recovery of any deficiency by NRS 482.516 ( 3 ), providing in pertinent part that plaintiff is liable for any deficiency after the sale of the repossessed vehicle only if the notice prescribed by this section is given within 60 days of repossession. It is XXXX XXXX ' fault for not giving/sending the disposition of the vehicle as required by the law. 
I politely request to investigate my claim based on my attached evidence and delete from my report.

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 2022-07-04 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
SSN XXXX XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX Email : XXXX, XXXX Date Of Birth XX/XX/1985 Phone Number XXXX XXXX XXXX ADRESSES XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Nevada XXXX ( Current ) XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX Nevada XXXX ( previous ) XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX ( previous ) Subject : Dispute XXXX XXXX XXXX XXXX my credit report, Amount XXXX based on the following errors against state law. ( EVIDENCE ATTACHED ) Count 1.Notification Error ; XXXX XXXX XXXX sent the written notifications of repossession and auction to the wrong/unrelated address aganist the state Law.I WAS NOT NOTIFIED WHEN MY STORED VEHICLE REPOSSESSED AND AUCTIONED Applicable Law Per NRS 482.516 '' Any provision in any security agreement for the sale or lease of a vehicle to the contrary notwithstanding, at least 10 days 's written notice of intent to sell or again lease a repossessed vehicle must be given to all persons liable on the security agreement. The notice must be given in person or sent by mail directed to the address of the persons shown on the security agreement unless such persons have notified the holder in writing of a different address ''. 
Count XXXX, XXXX XXXX XXXX never gave notice of intended disposition of the vehicle as required by NRS 104.9614, NRS 482.516 ( 1 ) and ( 2 ), and is, therefore, precluded from the recovery of any deficiency by NRS 482.516 ( 3 ), providing in pertinent part that plaintiff is liable for any deficiency after the sale of the repossessed vehicle only if the notice prescribed by this section is given within 60 days of repossession. It is XXXX XXXX ' fault for not giving/sending the disposition of the vehicle as required by the law. 
I politely request to investigate my claim based on my attached evidence and delete from my report.

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 2022-07-04 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:
according to the FCRA you are in violation of reporting late payments on my credit cards 15 U.S.C. 1666b timing of payments XXXX XXXX XXXX and XXXX XXXX XXXX credit card

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 2022-07-04 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:
according to the FCRA you are in violation of reporting late payments on my credit cards 15 U.S.C. 1666b timing of payments XXXX  credit card and XXXX XXXX XXXX credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-07-04 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 XXXX Account XXXXXXXX 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

Company response to consumer: Closed with explanation