vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 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: NC

Complaint narrative:
XXXX XXXX XXXX has ignored all request to honor the privacy act of 1974, 15 USC 6802 and many other Codes and rights of mine as a consumer have been violated. XXXX XXXX XXXX has still been reporting to a nonaffiliated third party without my permission. In XXXX XXXX XXXX they were given notice to stop reporting and denied a copy of their terms and conditions which I never received from them> They were not the seller or the entity to whom I purchased from. The original contract was recently rescinded to XXXX XXXX XXXX I fount that XXXX XXXX XXXX is the third party that purchased my contract security. The contract was misleading and did not provide proper notice per my consumer rights. Today XXXX XXXX XXXX XXXX refused to provide updated Terms and Conditions and Privacy notice stated that It is with original contract which it is not because I never had an agreement with XXXX XXXX XXXX only XXXX XXXX XXXX which is voided. XXXX ignores my mail and emails ( per recorded call ) and they insist on arguing my rights instead of honoring the law. This account was deemed fraudulent, inaccurate etc per XXXX and XXXX and was removed many years ago. Experian continues to allow XXXX to break the law and infringe on my rights to opt out and or Rescission of any contracts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: EQUIFAX, INC.
State: KS

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: MD

Complaint narrative:
XX/XX/XXXX AND XX/XX/2022, I SENT CERTIFIED MAIL TO EXPERIAN. THEY EMAILED ME A NEGATIVE RESPONSE REFUSING TO COMPLY WITH MY DISPUTE AND I HAVE COMMUNICATED I DO NOT ACCEPT COMMUNICATION FROM THEM THROUGH THAT MEDIUM. AS FOR MY SECOND ATTEMPT THEY HAVE YET TO RESPOND TO THAT NOTICE AND HAVE DISREGARDED MY INSTRUCTIONS. THEIR DISREGARD FOR COMPLIANCE IS COSTING ME TIME AND MONEY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Make sure any accounts that were discharged in XXXX  XXXX  show a {$0.00} and are labeled as discharged or included XXXX  XXXX  Payment History is no allowed!! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last ss XXXX : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX  listing for Account No. : XXXX History listed wrong per XXXX  laws. Attached is a copy of XXXX XXXX XXXX on XX/XX/XXXX and final on XX/XX/XXXX XXXX. XXXX, filed in XXXX XXXX XXXX XXXX division XXXX Texas. 

Date : XXXX XX/XX/XXXX XXXX! 

Please forward the following email to you proper XXXX  XXXX for data removal. 

Per your order ( XXXX XXXX XXXX XXXX XXXX ) they are listing my payment history showing one negative report and also showing the XXXX  in order to keep me from getting a good credit rating. They clam that your company is to blame. 

The reason for filling a XXXX  is to remove all past negative reporting to bring a fresh start. The law requires that you remove reporting past history prior to filing a XXXX  and only list the XXXX  without past payment history but XXXX XXXX XXXX wants both. XXXX  first list my account history then lists the Bankruptcy ( see attached ). They will not remove the payment history unless you tell them to do so. 

Please have XXXX remove my past payment history showing a negative report or I will be forced to file an Adversary Proceeding complaint with XXXX  court in thirty ( XXXX ) days from the date of this letter. I above case in now reopened so I can fill such a complaint. 

XXXX Bless! 

_______________________________ XXXX XXXX XXXX, Pro XXXX Attached : Copy of Letter, XXXX Report, XXXX, & Reopen of 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 2023-01-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Make sure any accounts that were XXXX in the XXXX  show a {$0.00} and are labeled as XXXX or included in XXXX  XXXX XXXX is no allowed!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : XXXX  listing for Account No. : XXXX History listed wrong per XXXX  laws. Attached is a copy of my XXXX  filed on XX/XX/XXXX and final on XX/XX/XXXX XXXX. XXXX, filed in XXXX XXXX XXXX XXXX division XXXX Texas. 

Date : XXXX XX/XX/XXXX XXXX! 

Please forward the following email to you proper XXXX  XXXX for data removal. 

Per your order ( XXXX XXXX XXXX XXXX XXXX  ) they are listing my payment history showing one negative report and also showing the XXXX  in order to keep me from getting a good credit rating. They clam that your company is to blame. 

The reason for filling a XXXX  is to remove all past negative reporting to bring a fresh start. The law requires that you remove reporting past history prior to filing a XXXX  and only list the XXXX  without past payment history but XXXX XXXX XXXX wants both. XXXX  first list my account history then lists the XXXX ( see attached ). They will not remove the payment history unless you tell them to do so. 

Please have XXXX remove my past payment history showing a negative report or I will be forced to file an Adversary Proceeding complaint with XXXX  court in thirty ( XXXX ) days from the date of this letter. I above case in now reopened so I can fill such a complaint. 

XXXX Bless! 

_______________________________ XXXX XXXX XXXX, Pro XXXX Attached : Copy of Letter, XXXX Report, XXXX, & Reopen of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: MI

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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: MS

Complaint narrative:
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 I noticed that these companies was reporting a collection debt on my consumer credit report. IRS Canceled Debts, Foreclosures, Repossessions, and Abandonments clearly states cancel debt is gross income. This company is in clear violation of my rights, under the New Rule Regulation F which took effect XX/XX/XXXX. They have violated the FDCPA XXXX and its new rule by parking this alleged debt on my consumer report. I've asked them numerous times to Cease and Desist this reporting of this alleged debt immediately. I never gave them written permission to put anything on my credit profile 15 USC 1681 b2. There offenses amount to AGRAVATED IDENTITY THEFT pursuant to 18 USC 1208 A.

15 USC 1681 section 602 A- states i have a right to privacy 15 USC 1681 b ( 2 ) - Permissible & written Instructions by the consumer ( me ) did not give the any written instructions to report anything t my consumer report 15 USC Section 604 A section 2- also states a consumer reporting agency can not furnish a account without my written instructions All 6 of these companies are in violation of 18 US code 1028 A- Aggravated Identity Theft XXXX. XXXX XXXX XXXX. XXXX XXXX  These two companies are also in violation of my consumer rights 15 U.S. Code 1681 a 2 ( A ) ( i ) Exclusions- except as provided in paragraph ( 3 ) the term " consumer report '' does not include ( i ) report containing information Soley as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX  XXXX making the report. They also reported LATE PAYMENTS on my consumer report which is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I Never gave those furnishers written instructions to furnish this on my credit report! 

THEY HAVE VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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: FL

Complaint narrative:
On XXXX I received an email from Bank of America wanting to verify/ confirm my email address. I thought it was a phishing scam and reported it. 

On XXXX I received an email from XXXX XXXX XXXX informing me that someone viewed my credit report. 

XXXX logged in saw that Bank of America had made a hard inquiry without my authorization. 

On XXXX I received a text message at XXXX from # XXXX. Congratulations, your Bank of America XXXX XXXX was approved. Welcome package and card ( XXXX ) will arrive within 14 days. 

XXXX @ XXXX contacted Bank of America XXXX department and reported the fraud and unauthorized authorization of a credit card and unauthorized hard inquiry of my credit history. Was advised it was for a XXXX XXXX credit card with a credit limit of $ XXXX. XXXX XXXX XXXX issued by Bank of America. Was also told that a fraud alert issued and card ( XXXX ) were cancelled effective immediately. 

XXXX I contacted XXXX to report the unauthorized hard inquiry by Bank of America. Provided them with the B of A fraud case #. XXXX notification sent to all XXXX credit bureaus ; including XXXX and 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 2023-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ragan & Ragan, PC
State: GA

Complaint narrative:
They withhold fund from my wages on XX/XX/2023. {$140.00} was taking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I have been trying to rent an apartment, but the leasing office is unable to acquire my credit report. I tried accessing my credit report in MyEquifax.com and received error code XXXX. It also says that the last time my credit report was generated, was in XXXX. When trying to access my account again, it gave me error code NH XXXX with 3 different representatives, and 1 supervisor on XX/XX/XXXX. The first call the said they escalated the case, and that they would send me a physical copy of the report. The second time I called, a couple hours later, the agent said that they could not send my report because of the discrepancies. So now, they are contradicting themselves. They said that they dont see an issue with my credit report in their end. They said there were discrepancies with my personal information. They said i would have to fax supporting documents to get it solved. 
Submitted online disputes on Myequifax.com, and uploaded supporting documents. 
Submitted supporting documents via fax requested by Equifax on XX/XX/XXXX Spoke with 1 representative and 1 supervisor on XX/XX/XXXX - not able to tell me if documents were received. They told me to call again after 5 days to see if documents were already received. And to wait 5 more days after that for a resolution. Even though I dont have time, because the leasing office is holding my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
This morning, XX/XX/2023, Charles Schwab closed my XXXX brand-new brokerage accounts with them, " due to a business decision '', and denied my investor checking account, referring me to the " negative information '' on my XXXX for XXXX basis of their decision. I've pulled my XXXX report this morning, and it is clean, not a single negative mark on there. I have opened many accounts- primarily CDs, since CD rates have been on the rise - lately, so several banks and CUs  have inquired into my XXXX file, and opened accounts for me with no problems, resulting in multiple recent inquiries ( as many as XXXX in the last 2 months ) on my XXXX report. When I asked a XXXX XXXX representative if that was the reason, they've checked and advised it was not, but declined discussing any further information about reasons for their sudden and unexplained decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XX/XX/XXXX AND XX/XX/2022, I SENT CERTIFIED MAIL TO EQUIFAX. THEY HAVE YET TO RESPOND TO THAT NOTICE AND HAVE DISREGARDED MY INSTRUCTIONS. THEIR DISREGARD FOR COMPLIANCE IS COSTING ME TIME AND MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation