vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: OR

Complaint narrative:
My XXXX XXXX XXXX bought a card from the XXXX XXXX store in XXXX Oregon. I am not sure if it is legal to sell those cards to minor in order to buy XXXX  games on line. I did not approve the purchase I tried to return to the XXXX XXXX store they refused to take it back. So I tried to use at the store to pay for something else. Every time we tried the transaction get declined I contacted the company issued the card " NETSPEND '' several time and luck to solve the problem. One time the agent asked for my social number and more information I never been asked before to activate card with balance of {$10.00} of kind question. I did refuse to give here the social and asked her to to speak with here supervisor I did explain to him hoe the card was sold to XXXX  son and it has balance of {$10.00} and they charge him {$3.00} at the XXXX XXXX  for the card. So he said I am going to activate the card for and it has {$10.00}. When I tried to pay for a shoes for my son at XXXX and I was shocked when the card has only {$2.00} on it. I called again and talked to one agent at the NETSPEND and told one of your supervisor and said it has {$10.00} balance on it. and when we tried to pay for a a purchase it has only {$2.00} how that happen? I said some one from you company must stool the money. She said there is an unused fee for {$5.00} I was shocked to hear that from here I believe this company is scam company and trying to take money from minors by selling those cards.

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 2022-07-26 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
I recently received a copy og my credit report. To my surprise, XXXX, XXXX, and XXXX are reporting accounts incorrectly. The collections accounts are not only reporting as open but, also shows past due balance. According to the FCRA, I have the right to an accurate credit report. INn accordance with the Fair Credit Reporting Act Choice Recovery Account number : XXXX and XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: CA

Complaint narrative:
I received your response Last XX/XX/XXXX that you need my updated email address which is XXXX I sent a complaint on XX/XX/XXXX to remove Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and Accounts : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$91.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint and I'm including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: MO

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$180.00}

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 2022-07-26 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: MO

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  ) XXXX Balance : {$450.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXXXXXX  ) XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: NV

Complaint narrative:
This is my 2nd 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 an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$230.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$410.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX 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 XXXXXXXX

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 2022-07-26 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: NV

Complaint narrative:
This is my 2nd 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 an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$230.00} ; XXXX XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} ; 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank 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. 

In accordance with the Fair Credit Reporting Act, 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 explanation
Consumer complaint received 2022-07-26 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: NY

Complaint narrative:
I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00}, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XXXX XXXX, 2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.

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 2022-07-26 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: NY

Complaint narrative:
I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}, which are UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XXXX XXXX, 2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: TX

Complaint narrative:
I did not authorize nor consent to the following inquires being furnished on my consumer reports.

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 2022-07-26 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I disputed something with the credit reporting agency, after 30 days they did not remove it which is in violation of code US code 15 USC Sec. 1681i ( a ). 


I want this information deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: I.C. System, Inc.
State: OH

Complaint narrative:
I recently received a copy og my credit report. To my surprise, XXXX, XXXX, and XXXX are reporting accounts incorrectly. The collections accounts are not only reporting as open but, also shows past due balance. According to the FCRA, I have the right to an accurate credit report. INn accordance with the Fair Credit Reporting Act XXXX XXXX Account number : XXXX and I.C System Inc Account number : XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without 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 2022-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
One unauthorized transcation be made on XX/XX/XXXX, it is a international wire transfer and total amout is {$2400.00}. Called the bank iimmediately on XX/XX/XXXX night and claim a dispute on XX/XX/XXXX. Per branch employee, this is not a fraud or identity theft, it was a system/ operation mistake that bank sent the funds for someone else 's wire transfer request from my account. I was told the funds would be refund within 10 business days and I called the bank and visited the branch couple of times, but no result. It's been XXXX weeks after transcation be made and the funds has not been returned to my account yet.

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 monetary relief
Consumer complaint received 2022-07-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
they are unauthorized inquires only credit report and there are a few companies that's listed more then three times I did not authorized any of these inquiries

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 2022-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On this date XX/XX/2017 exquifax allowed XXXX XXXX to furnish a charge off account. 
Account : XXXX I have never signed any written document that i owed this debt to the collector. This is an infringememt to my right of privacy pursuant to 15 USC 1681 ( a ) ( 4 ) and a disregard for permissable cause as well as not following my written instruction pursuant to 15 USC 1681b ( a ) ( 2 ) I do not know who they are and have not verified that i owe this debt to alleged company please have this removed all three bureaus XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: IL

Complaint narrative:
Equifax informed me ( in the past, after over 1 year of investigations on my part ) that they " somehow SPLIT '' my Personal Credit Report into 2 SEPARATE Credit Reports due to an " INTERNAL ERROR ''. This created 1 NEGATIVE Credit Report that was shared with ( potential and existing ) Creditors, and 1 POSITIVE Credit Report that was " HIDDEN '' from the world. Equifax has continued to erroneously report ( or Delete ) positive Credit data from my Credit Report, but still manages to report NEGATIVE INFORMATION! This CFPB Complaint shows that EVERY SINGLE POSITIVE TRADE LINE which I am an AUTHORIZED USER ( AU ) of, ( including Terminated but still Positive AU status tradelines ) has been REMOVED from my Equifax Credit Report, yet still REPORTS ON THE 2 OTHER CREDIT BUREAU Reports. These positive AU Tradelines SHOULD BE REPORTING, as the AU Creditors are telling me that they ARE STILL REPORTING THE POSITIVE INFORMATION TO EQUIFAX. This is a CLEAR indication to me that Equifax CONTINUES to attempt to ILLEGALLY SUPPRESS my Positive Credit History and has been doing so for more than 3 YEARS. I will now list all Positive AU Tradelines that Equifax has removed or is illegally attempting to suppress from my Credit File : ( XXXX ) ( Account # XXXX ) ( Limit {$1200.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$2000.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$5000.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX XXXX  ) ( Account # XXXX ) ( Limit {$13000.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$3500.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$3500.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX 'S ) ( Account # XXXX ) ( Limit {$1500.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account XXXX ) ( LIMIT {$3500.00} ) ( Opened XX/XX/XXXX ) DELETED Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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:
I did not authorize nor consent to the following inquires being furnished on my consumer reports.

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 2022-07-26 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:
I did not authorize nor consent to the following inquires being furnished on my consumer reports.

Company response to consumer: Closed with explanation