vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2022-12-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2022-12-18 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX ( in the amount of {$3000.00} ) 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amount of {$740.00} ) 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amounts of {$500.00} and {$580.00} ) 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( in the amount of {$220.00} ) 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amount of {$120.00} ) 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( in the amount of {$81.00} ) 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 explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I checked my credit report today to find that my credit score recently dropped XXXX points because of a derogatory mark on my credit report from XXXX. 
First of all, I have a 100 % rating on making payments on a timely basis and I don't understand how any credit reporting company could suddenly drop a credit score XXXX points because of a negative mark of {$85.00} FROM 8 MONTHS AGO. That is excessive especially since other credit reporting companies never dropped that much. 
Second, I have no idea who XXXX XXXX XXXX is and the information they are providing is false. 
Third, I HAVE REPORTED THIS FALSE INFORMATION TO ALL XXXX CREDIT REPORTING COMPANIES SEVERAL TIMES OVER THE YEARS AND IT HAS BEEN REPEATEDLY REMOVED BY ALL CREDIT REPORTING COMPANIES EXCEPT XXXX AND EXPERIAN but my credit score ahs n't been affected at all with Experian. My efforts to dispute this negative mark with XXXX and Experian has been futile.

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 2022-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
I contacted LVNV funding about XXXX yr ago and told them that this was NOT my credit account. I was told that it would be removed. As far as documentation goes, I only have a collection letter from them and NO other documents. Im not sure who opened this account, all I know is that they lived/lives in XXXX, XXXX Ive never lived in XXXX. Ive lived in XXXX, XXXX when/since/always this account was opened. I DONT know exactly how to get this removed from my credit report. Please advise me. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX, XXXX and Experian all should be reporting the same information for account statuses and amounts. They are not. There are major differences in my report. Experian is reporting delinquency on XXXX XXXX, XXXX XXXX, XXXX XXXX but XXXX and XXXX XXXX show either account on those reports. I want these DELINQUENT ACCOUNTS REMOVED FROM MY CREDIT 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 2022-12-18 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:
Updated Report : Utility service registered with my personal information as a result of an identity theft event. Please remove this record off my credit report : XXXX XXXX XXXX. XXXX XXXX. Balance : {$590.00}. 

Someone in the State of XXXX XXXX rented a residential property in XXXX during the XXXX XXXX pandemic, using my personal information and I was XXXX the same year due to failure to pay rent. I have never been in the State of XXXX XXXX nor I have never signed any residential lease for any property in the State of XXXX XXXX I have been living in the XXXXXXXX XXXX XXXX since XXXX of XXXX. At the time of this event I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is a XXXX XXXX XXXX  managed by XXXX XXXX XXXXXXXX XXXX ( ph : XXXX ) and my employer was located in XXXX XXXX as well. Updated XXXX : I have noticed another negative record on my credit report as a result of this incident - XXXX  {$590.00}.

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 2022-12-18 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: MD

Complaint narrative:
XXXX and Equifax have violated my rights to privacy and they are still reporting information that I have asked for them to delete. I have asked them for a ledger or account of where the companies got their information and how they arrived at the so called fact that I owe them. My next step is to file for compensation for me being stressed and the laws that they have violated. I have sent the attached letters several times I have sent my ID, proof of the Identity theft, and my Social Security card and their response is that they have not received them or they don't see them on their side this is wrong on so many levels and they should not be allowed to play these games. Please see letters from them and my response. Please make them adhere to the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. It has come to my attention your financial department of JPMorgan Chase & Co, can not disclose to a nonaffiliated third party any of my nonpublic personal information. In addition It has also come to my attention that your financial department does not have the ability to loan its own money or money of its account holders. Notice the existing credit card agreement which am in question of the credit that was allegedly loaned. Please provide evidence of the money that was loaned to me for family and household purposes. I would like to request a audit trail according to XXXX ( Generally Accepted Auditing Standards ) to show proof of this loan. Notice, repayment needs to be made only in equivalent kind. Notice, this be a matter of emergency. Notice, am demanding for the account to be reopened, with the original limit set to {$10000.00} and zeroed out each and every bill cycle upon lack of supportive documentary evidence. Notice, any financial institution that requires a consumers social security number to apply for a loan on any application, knowing theres no money to lend is a felony.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
following accounts are incorrect, and they are adversely affecting my livelihood. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DOB : XX/XX/1993 SS # : XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX RE : update personal information, Second Request To whom it may concern : Ive been trying to get these addresses removed from my report for weeks, you guys kept saying that they have been removed and updated. According to what Ive pulled from my report, theyre still there. I've enclosed documentation providing proof of my current address, as instructed to do on your website; here is a list of the incorrect addresses that I am currently seeing listed ( which I would like to be removed please ) : Delete the following inaccurate addresses : see attachment There should only be XXXX address listed on my report, which is above of this letter.

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 2022-12-18 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
One of the bureau had removed due to creditor made the agreement to remove from my file but been submitting XXXX and XXXX due to factual error from their ends but they keep updating without any procedures. These 3 accounts made settlements for removal after 90 days verbally but never kept their words. Every month I sent a valid dispute but without proper documentation its updating/remains from their end.

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 2022-12-18 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX ( in the amount of {$3000.00} ) 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amount of {$740.00} ) 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amounts of {$500.00} and {$580.00} ) 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  ( in the amount of {$220.00} ) 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amount of {$120.00} ) 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( in the amount of {$81.00} ) 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 2022-12-18 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 Key XXXX XXXX XXXX ( in the amount of {$3000.00} ) 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amount of {$740.00} ) 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amounts of {$500.00} and {$580.00} ) 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. 

In accordance with the Fair Credit Reporting Act First Federal Credit Control ( in the amount of {$220.00} ) 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amount of {$120.00} ) 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( in the amount of {$81.00} ) 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 2022-12-18 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:
On XX/XX/2022 I accessed my TRANSUNION credit report to see FIVE fraudulent accounts that are not mine as well as ONE hard inquiry thats not mine. 

The fraudulent accounts were as follows : XXXX  XXXX with the account number XXXX, to the amount of {$4300.00}. 
XXXX XXXXXXXX XXXX with the account number : XXXX with the amount of {$4300.00}. 
XXXX  with the account number of XXXX with the amount of {$1600.00}. 
XXXX XXXX XXXX with the account number XXXX, with the amount of {$5300.00}. 
XXXX XXXX XXXX with the account number of XXXX, with the amount of {$13000.00}. 

The TRANSUNION Report # was. XXXX On top of this I never provided TRANSUNION with my written permission to publish ANY of this information on my report, which is my right as a consumer per USC codes.

This fraudulent information has made my credit score extremely low and as a result of this Ive been rejected from several loans, an apartment, and it has been extremely emotionally distressing.

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 2022-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: 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. 

Account name : XXXX. Account # XXXX Account name : XXXX Account # : XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX  XXXX Account # XXXX Account name XXXX XXXX Account XXXX XXXX Account name : XXXX  Account # XXXX Account XXXX : XXXX Account # XXXX Account name : 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 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