vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
When I was in XX/XX/11 XXXX online consumption met a fraud, after paid {$490.00}, the person disappeared immediately, I realized that the wrong, immediately contact citibank customer service asked to cancel the transaction, and the next day I went to the branch and confirm my appeal, this transaction pending 2 days status, but two days later the bank still completed the transfer. Few days later, the bank refund me my money, around 10 days, the bank took the money again.In my opinion, I contacted the customer service within half an hour after being cheated and repeatedly confirmed that I had done everything I could. However, the bank made me extremely disappointed. Instead of helping me, it doubled my sadness.

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 2022-04-18 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: IL

Complaint narrative:
Good afternoon I was reviewing my credit report and I dissolved unauthorized inquiries in which I never applied. Can you assist me with getting these removed today? 
Good afternoon my name is XXXX XXXX. I have evidence that my identity Was compromised at XXXX XXXX XXXX and the account opened at XXXX  XXXX  XXXX is not i XXXX XXXX. This matter has Impacted my credit score in the worse way. I need for this Issue to be resolved as soon as possible. Attached are the documents.

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 2022-04-18 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: 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. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
ALL ACCOUNTS ARE HIGHLIGHTED IN CREDIT REPORT SUPPLIED IN ATTACHMENTS 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 n
ot 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 2022-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Did not receive notification of debt and if it was sold or ability to dispute. Requesting proof and account status.

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 2022-04-18 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: IN

Complaint narrative:
In accordance to the federal credit act. Of 15 us 1681. These accounts were effected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete immediately

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 2022-04-18 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Hello, I have submitted several disputes over the past year and a half. None of the credit bureaus will update my car loan information. Due to the cares act and a one moment extension I requested, the credit burns failed to report the last year and a half of on time payments, I have submitted emails, called, filed several disputes even faxed the data proving I made my payments yet the bureaus all refuse to update this information. This is holding at least 10 maybe more points from my credit and is honestly a crime that they will not update the information. Please help! 

regards, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
I have been sick for some time now and people were in and out of my home and had access to a lot of my personal information. My health took a huge turn around and I noticed all these collections coming in the mail and checking my credit. I disputed this and uploaded an identity theft report from the government website and this company convergent continues to harass me. They sent some type of bill with an amount saying that verifies its me. I DID NOT OPEN THIS ACCOUNT ITS FRAUD

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 2022-04-18 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Passport, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Passport, ID, Identity Theft report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Debt assigned XX/XX/XXXX collection reported XX/XX/XXXX, I noticed this debt on my credit report, and I immediately reached out to the creditor, to let hem know that this debt was not mines, they told me that the the debt was paid collection, I asked them to remove it, although it was paid I was not responsible for his debt I was XXXX at the time of this debt, and that didnt make a payment to settle, because I wold of disputed the charges, next I was bombarded with letters from the creditor, and the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: FL

Complaint narrative:
XXXX In response to my complaint XXXX You responded XXXX XXXX the Federal Stafford Loan that was disbursed in XX/XX/1997 for XXXX XXXX XXXX XXXX and there is no record of payment for this loan paid in full. In response to your reply : Do you XXXX have ( 1 ) proof of a signed documents, ( 2 ) copy contract or invoice XXXX XXXX XXXX for XX/XX/1997 with actual signature? ( 3 ) If you " XXXX '' can not prove with more detail information besides of loan disbursed with amount now owed {$1600.00} and date provided XX/XX/1997 from the original creditor. I never gave consent as a consumer to XXXX reporting anything As stated below in Accordance with Fair Credit Reporting Act In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681 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
Consumer complaint received 2022-04-18 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: FL

Complaint narrative:
XXXX In response to my complaint XXXX You responded XXXX service the Federal Stafford Loan that was disbursed in XX/XX/1997 for XXXX XXXX XXXX XXXX and there is no record of payment for this loan paid in full. In response to your reply : Do you XXXX have ( 1 ) proof of a signed documents, ( 2 ) copy contract or invoice XXXX XXXX XXXX for XX/XX/1997 with actual signature? ( 3 ) If you " XXXX '' can not prove with more detail information besides of loan disbursed with amount now owed {$1600.00} and date provided XX/XX/1997 from the original creditor. I never gave consent as a consumer to XXXX reporting anything As stated below in Accordance with Fair Credit Reporting Act In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX  sent a final statement in the amount of {$1200.00} with a due date of XX/XX/22. I was unprepared to pay the amount, as my normal payment is {$350.00}. However, I received a deferment due to COVID-19 hardship and was informed that the final payment was higher because it included those two months rather than the number of months being extended as I initially thought when I requested the deferment. Given the surprise increased payment, I could only afford to make my normal payment that month ( XXXX ). The remainder amount ( {$860.00} ) was paid on XX/XX/22, which was a Sunday. Unfortunately, XXXX XXXX XXXX  payment cutoff time is XXXX XXXX  Monday-Friday ; therefore, they do not process payments on the weekend, which is when the due date would have been for being considered 30 days late. The following Monday ( XXXX ) was also XXXX XXXX and XXXX XXXX XXXX  does not process payments on holidays. Therefore, the payment was not processed and posted until the XXXX. Given that XXXX XXXX XXXX  offers no method for receiving/processing payment on weekends ( which would have been the due date for being considered 30 days late ) and given that they were also closed the following Monday for payment receipt/processing, I do not believe that my payment should be considered 30 days late for any purpose, including credit reporting purposes. According to Regulation Z, Part 1026, the creditor may generally not treat a payment received the next business day as late for any purpose when the creditor does not receive or accept payments on the due date.

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 2022-04-18 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: WA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The following accounts have violated my rights. 1. XXXX XXXX 2. XXXX XXXX 3.XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX 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 XXXX XXXX, never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity theft. A copy of the law is attached to this dispute. They also do not have any permissible purpose to furnish my personal information to any third party. Permissible Purpose : 15 U.S. Code 1681b Permissible purpose of consumer report ( a ) 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. As a consumer, I am demanding deletion of the following accounts.

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 2022-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reached out to the company to let them know it was not me however they will not move the hard inquiries that IIn accordance with the Fair Credit Reporting Act. The List account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

15 USC 1681 ( a ) ( 5 ) Sections States : no consumer reporting may make any consumer report contains any of the following items of information any other adverse of information, other than records or conviction of crimes which antedates the report by more than seven years. 
15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relation to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate did not authorize. 

Creditor Name Date of Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/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 2022-04-18 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: MD

Complaint narrative:
according to The Fair Credit Reporting Act these listed accounts has violated my rights of privacy and the Consumer Reporting Agencies are complicit. 
account # XXXX XXXX XXXXl account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX frontline as 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 states a consumer reporting agency can not furnish a account without my written instruction

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 2022-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
accounts were opened in my name, and do not belong to me. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Regional Management Corporation
State: WI

Complaint narrative:
Regional Finance sent me a loan in the mail. They failed to inform me of my right to rescission pursuant to 15 USC 1635 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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. These Lists Of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX-acct # XXXX, XXXX XXXX-acct XXXX XXXX, XXXX XXXX  XXXX XXXX-acct XXXX XXXX XXXX XXXX XXXX XXXX-acct # XXXX, XXXX-acct # XXXX, XXXX XXXX XXXX-acct # XXXX, XXXX-acct # XXXX, XXXX XXXX-acct # XXXX, XXXX XXXX XXXX XXXX-acct # XXXX, XXXX XXXXXXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX Has violated my rights. 15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681 Section 604 A Section 2. It Also States a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2022-04-18 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. These Lists Of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX-acct # XXXX, XXXX XXXX-acct XXXX XXXX, XXXX XXXX XXXX XXXX-acct XXXX XXXX XXXX XXXX XXXX XXXXacct # XXXX, XXXXacct # XXXX, XXXX XXXX XXXX-acct # XXXX, XXXXacct # XXXX, XXXX XXXXacct # XXXX, XXXX XXXX XXXX XXXX-acct # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX Has violated my rights. 15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681 Section 604 A Section 2. It Also States a consumer reporting agency can not furnish a account without my written instructions.

Company 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