vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Money XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX, Account name : 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 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 XXXX 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. 
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 XXXX 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
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Certegy Holdings, LLC
State: MN

Complaint narrative:
I have not received my annual credit report from Certegy. I want Certegy to send and mail me a complete copy of my Certegy Consumer 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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE REMOVE OR DELETE UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT XXXX XXXXXXXX XX/XX/2022 XXXX XXXX BANK XXXX XX/XX/2022 I AM A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and Equifax has submitted a debt on my credit without my consent, according to XXXX XXXX Code subsection XXXX, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX, this debt it outside the statue of limitations according to California XXXX, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXX in XXXX and last date of activity was XX/XX/XXXX. Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( XXXX ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX XXXX, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion, XXXX and XXXX has submitted a debt on my credit without my consent, according to XXXX XXXX Code subsection XXXX, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX, this debt it outside the statue of limitations according to California XXXX, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXX in XXXX and last date of activity was XX/XX/XXXX. Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( XXXX ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX XXXX, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.

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 2024-03-09 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Experian and XXXX has submitted a debt on my credit without my consent, according to XXXX XXXXXXXX XXXX XXXX XXXXXXXX, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX, this debt it outside the statue of limitations according to California XXXX, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXX in XXXX and last date of activity was XX/XX/XXXX. Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( XXXX ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX XXXX, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have not received my annual credit report from Clarity Services. I want Clarity Services to send and mail me a complete copy of my consumer 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 2024-03-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI
State: CT

Complaint narrative:
General Revenue Corp not only contacted me multiple times a day, but they found a way to get my mother 's contact info and called her. I never provided them with anybody else 's contact info and they didn't have permission from me to contact anybody else about my debt. They said I owe {$2300.00}, the debt is owed to XXXX XXXX. When I asked the General Revenue Corp representative about sending me emailed or paper mailed copies of everything he told me that he could do that. He asked me when or of I could pay the debt, and I told him that I was out of work due to medical issues and unable to work at this time. I told him that I didn't have any income coming in ( at the time I did not have any income at all ) and that I don't have any friends or family who could afford to help me either. I asked him again if he could send me the information on the debt I owed and he still refused. I asked him if they could contact me via email rather than blowing up my phone with multiple calls a day, and he said he couldn't do that either, that someone would keep calling me. When I asked if there was another representative I could talk to in regards to getting my debt information sent to me, he refused and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I DONT RECOGNIZE OR ATHORIZE THESE INQUIERES XXXXXXXX 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 explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I DONT RECOGNIZE OR ATHORIZE THESE INQUIERES XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting 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:
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 XXXXXXXX XXXX XXXX XXXX automated XXXX XXXXXXXX For {$560.00} AND XXXX XXXX XXXX XXXX XXXX For {$1900.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I ' a victim of a Scam. 
The scammers withdrew money from my Chase and XXXX XXXX  account on XX/XX/XXXX. 
On this day, I received an email that pretended to be from the XXXX company. Which warned me that they were trying to charge {$530.00} from my credit card. I confirmed that this was not my payment and called back on the phone number provided. 
They introduced themselves to me as XXXX, gave me my details and the number of the credit card from which they tried to withdraw money. They said they would cancel my payment. But since scammers have connected to my computer, they should close my account and open a new one. And while they're checking security, I shouldn't go near the computer. 
I called XXXX XXXX, but the scammers called me back and said that I did not need to call XXXX XXXX, since they were already handling my case. After a while they called back and asked for my CC number and the full number of the debit card to which to transfer the refunded money. For reliability, they named the last XXXX digits of all my cards linked to XXXX XXXX and my personal data. I said that I could not give this information. I turned on the computer, it didnt work. While I was trying to open the computer, they called me many times and suddenly I received a message from XXXX that I bought something. I have not received any messages from banks. Although I have alerts and I always received them. 
I immediately called the banks, and it turned out that {$7200.00} was withdrawn from Chase Bank from a checking account, {$7400.00} from a savings account, {$1700.00} was transferred from a Flex credit card. {$500.00} was transferred from XXXX Bank via XXXX. 
The bank immediately closed the accounts, and we announced an investigation. I was at the bank branch, and we opened the Claim. 
Chase closed my stamp and refused a refund. In a rather rude manner, I was informed that the bank does not bear the slightest responsibility for the safety of the invested funds. And protecting my funds is only my personal business. 
They advised me to contact the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
Over the pas XXXX years I have discovered that on every occasion where I applied for credit that there was more than XXXX hard hit on all of my credit reports. I believe in the national scoring system, but its the national banks that abuse the inquiry process. There should never be more than XXXX hard hit per application. Therefore, I must submit my complaint through the Consumer Financial Protection Bureau. This attached complaint makes a request not only for the original inquiry, but but all inquiries collectively as a basis of fairness. There should only be XXXX hard hit inquiry per application. DELETE THESE INQUIRIES!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
Received a collections discrepancy on my credit report from JEFFERSON CAPITAL SYSTEM ( original collector : XXXX ). As an individual my last purchase from XXXX  was around XXXX and was paid outright in cash. All my accounts with XXXX were closed and service was cancelled the same year due to poor service and switched to XXXX. XXXX XXXX I received a notification from my credit report app that a collection had been opened. I requested receipts of the transaction and disputed this with XXXX and JEFFERSON CAPITAL SYSTEM and no conclusion or determination has been reached so far. I would like to request that these collections be terminated due to the original creditors discrepancies and negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
PLEASE REMOVE IT DELETE UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT XXXX XXXX XXXX  XX/XX/2022 XXXX XXXXXX/XX/2022 I AM A VICTIM OF IDENTITY THEFT.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: MN

Complaint narrative:
I have not received my XXXX  credit report from Lexis Nexis. I want Lexis Nexis to send and mail me a complete copy of my Lexis Nexis Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
COLLECTION ACCOUNT WRONGFULLY REPORTED ON A CHARGED OFF ACCOUNT AND ON A COMPANY THAT DOESNT EXIST ANYMORE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting a creditor named XXXX XXXX with an account number of XXXXXXXX XXXX XXXX  on my Equifax credit report. I have disputed this account several times with Equifax over an incorrect balance amount of {$360.00}, which I paid off on XX/XX/2023, and now it is XXXX. However, Equifax has repeatedly shown bias towards a certain race group by filing several misconstrued dispute statements to XXXX XXXX, stating that I am disputing the ownership of this account when I'm disputing the incorrect balance showing on my credit report. I have enclosed a copy of the receipt I received from XXXX XXXX on XX/XX/2023, for this account, which shows a XXXX balance. Despite mailing Equifax a copy of the receipt, they continue to report an incorrect balance of {$360.00}. I have disputed this account with Equifax six times, and they have refused to change the incorrect balance reporting on my credit report to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting 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:
Accordance with the fair credit reporting act. The account below has violated my XXXX  XXXX  consumer rights to privacy and confidentiality under 15 USC 1681.Acct # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States. I have the right to privacy. 15 U.S.C. section 604 A section 2. It's also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information. And other adverse item of information, other records of crimes which antedades the reports by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting 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:
Accordance with the fair credit reporting act. The account below has violated my XXXX  XXXX  consumer rights to privacy and confidentiality under 15 USC 1681.Acct # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States. I have the right to privacy. 15 U.S.C. section 604 A section 2. It's also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information. And other adverse item of information, other records of crimes which antedades the reports by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief