vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 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: SC

Complaint narrative:
I am making another report towards XXXX, XXXX, and Equifax in reference to XXXX XXXX BANK account number ending in XXXX. I am a natural living person writing this account!! I have been making multiple disputes because these credit bureaus have been violating my rights and preventing me from getting a mortgage to have a better living situation. 
This account was sent to collections without my knowledge which is completely unfair and discredits my character in making on time payments. 
This account has been reported inaccurately as closed on one credit report and still open on two credit reports, I have disputed this inaccuracy multiple times and none of the bureaus investigated properly to fix this which AGAIN violates my rights under the Fair Credit Reporting Act.

The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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:
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 : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX University : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-10-12 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  # XXXX has violated my rights. 
XXXX XXXX  XXXX XXXX card name|What 's this? 
Balance {$610.00} Updated on XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX name LATE PAYMENT Balance {$360.00} Updated on XX/XX/2022 XXXX Link card name LATE PAYMENT Balance {$0.00} Updated on XX/XX/2022 XXXX XXXX XXXXXXXX Link card name Balance {$320.00} Updated on XX/XX/2022 XXXX  Link card name Balance {$290.00} Updated on XX/XX/2022 XXXX  Link card name LATE PAYMENT Balance {$680.00} Updated on XX/XX/2022 XXXX XXXX XXXX Link card name LATE PAYMENT Balance {$310.00} Updated on XX/XX/2022 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 2022-10-12 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 late XXXX of 2022, I requested that TransUnion verify or remove inaccurate information from my credit profile. I received a response with " Updated '' information, which was NOT requested. Again, I sent in another dispute in XXXX, and XXXX and got similar responses ( attached ). To this day, NO verification source, documentation nor evidence has been provided to support these claims of being " verified '' other than claiming the creditor confirmed the account is mine, again with NO proof. These responses seem to be a computer generated response to dispute requests and has caused me to not qualify for financial products I am entitled to. ( also attached is a denial letter ). 
TransUnion AND the following companies violated the laws of 87 CFR 41243, 15 U.S.C. 1681b and FCRA 604 ( a ) ( 2 ), by providing, submitting and/or furnishing negative financial information to credit reporting agencies, WITHOUT written authorization from me, 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 non-monetary relief
Consumer complaint received 2022-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX of XXXX I mailed my dispute letter to Transunion and the letter was returned to my home address saying the Transunion 's address was incorrect, why is that! Attached is the Transunion address provided from their website and also the Transunion address provided by you ( CFPB ), and that is the same address I indicated on my dispute mail. What happen? This shows that Transunion PURPOSEDLY IGNORING MY MAIL, and that is clearly a FTC violation. All the negative items on my account under Transunion MUST be deleted.

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 2022-10-12 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: DE

Complaint narrative:
Hello, My name is XXXX XXXX XXXX. I noticed Wednesday, XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas of my life. See, I lost my girlfriend a few years ago and 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  and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-10-12 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: SC

Complaint narrative:
I am making another report towards Experian, XXXX, and XXXX in reference to XXXX account number ending in XXXX. I am a natural living person writing this account!! I have been making multiple disputes because these credit bureaus have been violating my rights and preventing me from getting a mortgage to have a better living situation. This account was sent to collections without my knowledge which is completely unfair and discredits my character in making on time payments. This account has reported different balances which is a violation. 
I have disputed this inaccuracy multiple times and none of the bureaus investigated properly to fix this which AGAIN violates my rights under the Fair Credit Reporting Act. The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 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 2022-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently XXXX Capital One Capital One, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had five accounts at Capital one and apparently all were compromised because of a security breach at the bank. There were XXXX and Western Union transactions done by fraudsters, using my information because of that breach, however when then fraudulent transactions were paid, both Capital and Western Union did not take any responsibility for their lack of security, and claimed that the paid transactions were legitimately done by me. This is not so, since the transactions were paid and sent from XXXX and both of these agencies never contacted me, suspended or blocked the suspicious transactions. They are now claiming I am responsible for any payments they made on my behalf because of the fraud they allowed to be committed on my accounts at Capital One Bank and Western Union Financial Services. 

I previously submitted a complaint to your agency against Western Union, but it was closed without anyone from your agency contacting me to respond to Western Union 's response. I am of the opinion that your agency has taken the side of the company which allowed my account to be hacked and funds paid to fraudsters, over me the consumer which is who your agency should be protecting. 

Sir/Madam, I have been defrauded over XXXX us dollars via fraudulent transactions conducted with my information kept at Capital One Bank and Western Union Financial Services and need to have my money returned. I am totally disappointed with your agencies response to my original complaint against Western Union and would appreciate you taking a second look at my case. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After reviewing my credit reports I noticed that it was an account from XXXX reporting negative on my report. I reached out to XXXX on multiple occasions to get more clarification on this billing error, plus to figure out how they are furnishing negative remarks on my credit report without even sending me any type of written notice or proper disclosure with my option/right to opt out of reporting any PRIVATE NON-PUBLIC information without my written consent in the first place. 
I have attempted to get proper documentary evidence for clarification of the billing error or that they followed all laws and regulations to report the account in the first place. So I am placing this complaint with your organization with the hopes that they will finally respond with the documentary evidence that I owe them anything and this isn't a billing error ; along with proof that proper discloser was provided to me of my right to opt out of my private information being reported to non affiliated third parties. 
I have also notified the credit reporting agencies, and it seems like the odds are stacked against me because a company can say verified without any real legal proof and the credit reporting agencies just take the companies word for it.

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 2022-10-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
After reviewing my credit reports I noticed that it was an account from XXXX reporting negative on my report. I reached out to XXXX on multiple occasions to get more clarification on this billing error, plus to figure out how they are furnishing negative remarks on my credit report without even sending me any type of written notice or proper disclosure with my option/right to opt out of reporting any PRIVATE NON-PUBLIC information without my written consent in the first place. 
I have attempted to get proper documentary evidence for clarification of the billing error or that they followed all laws and regulations to report the account in the first place. So I am placing this complaint with your organization with the hopes that they will finally respond with the documentary evidence that I owe them anything and this isn't a billing error ; along with proof that proper discloser was provided to me of my right to opt out of my private information being reported to non affiliated third parties. 
I have also notified the credit reporting agencies, and it seems like the odds are stacked against me because a company can say verified without any real legal proof and the credit reporting agencies just take the companies word for it.

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 2022-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
on XX/XX/XXXX I received an alert that a new collection report was added to my credit report. When viewing the report I saw the collection company so I proceeded to contact the company, the lady who answered told me they been trying to contact me since XX/XX/XXXX but had no luck. I asked if they left messages she said no then she told me they sent letters about my " supposed debt owed '' to an address I do not reside at. She told me I owed {$800.00} but wouldn't tell me who or what it was for and just wanted me to pay it. I repeatedly asked for a manager to which she told me she was not going to give me a manager I had to deal with her. She stated the debt was from XXXX to which I replied with the debt is out by time isn't it? she said no and I said if you do not provide me with any information I am not going to pay to which she stated that " I need to get a job to pay my XXXX bills '' and some other words. I then said she was being very rude to which her reply was your momma 's a XXXX so get off the phone. I then kept asking over and over for a manager she finally hung up. Every time I call back she is the only one who picks up the phone it seems like a scam.

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 2022-10-12 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:
I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently 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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Nelnet, Inc.
State: MD

Complaint narrative:
After looking through my consumer report in the beginning of XXXX of 2022 I noticed inaccurate accounts and information on my consumer report. The consumer reporting agencies never gave me my right to opt out and furthermore they never asked for permission to furnish this information. Further they have assumed this vital role and have infringed my right to privacy selling my information to a 3rd party debt collector and pursuant to 15 USC 1681 ( 4 ) my privacy has been invaded and damages have been done, the damages arose were to my mental health and my ability to get an apartment. Also, in pursuant to 15 USC 6802 obligations with respect to disclosures of personal information, ( b ) Opt out. A financial institution may not disclose nonpublic personal information to a non-affiliated third party. I have the right to opt out, but they are not giving me the right to. XXXX, XXXX, and XXXX private policy explain how they protect the privacy of the consumer, but they allowed 3rd party debt collectors into my consumer report. Also in Pursuant to 15 USC 1681a ( 2 ) ( b ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility. Exclusions, the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. In pursuant to 15 USC1602 the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By any card that includes my drivers license, Social security card. To put everything together my student loan was approved but my social security number and drivers license were used a transaction of obtaining money and by law this can not be on 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