vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I sent a letter on XXXX  to remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX  Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the items UNKNOWN to me XXXX you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ( account # XXXXXXXX XXXX XXXX XXXX ) ( account # XXXX ) has violated my rights.

15.U.S.C 1682 section 602 A. states I have the right to privacy.

15 U.S.C 1682 section 604 A section 2 : 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 2023-03-04 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: MI

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-04 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: AR

Complaint narrative:
I sent a letter on XXXX to remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$430.00} XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the items UNKNOWN to me XXXX you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the items UNKNOWN to me XXXX you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04 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: AR

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XXXX/XXXX/23 to update this suspicious information. I think you have not validated this account : XXXX XXXX XXXX XXXX Balance : {$46000.00} This was already included in my prior COMPLAINT and I'm including it again Investigate and fix the noteworthy account for its misleading 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 non-monetary relief
Consumer complaint received 2023-03-04 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: AR

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think you have not validated this account : XXXX XXXX XXXX  XXXX Balance : {$46000.00} This was already included in my prior COMPLAINT and I'm including it again Investigate and fix the noteworthy account for its misleading 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 2023-03-04 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: AR

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting you this CFPB Complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The Account : XXXX XXXX XXXX with a Balance : {$5000.00} ; is showing to be 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

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 2023-03-04 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: AR

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think you have not validated this account : XXXX XXXX XXXX XXXX Balance : {$46000.00} This was already included in my prior COMPLAINT and I'm including it again Investigate and fix the noteworthy account for its misleading status

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: PA

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 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 explanation
Consumer complaint received 2023-03-04 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: PA

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 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 2023-03-04 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: MI

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$990.00}, XXXX XXXX XXXX Balance : {$3100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: PA

Complaint narrative:
I never gave any of these people or buisness to run my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MORTGAGE CO

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 2023-03-04 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: CA

Complaint narrative:
Experian reported the data verified by XXXX XXXX However, according XXXX XXXX, XXXX XXXX has removed the bankruptcy from my file dated XXXX XXXX XXXX The most recent bankruptcy dispute showed that there were no change as a result of my dispute. This data was NOT verified by XXXX XXXX, due to the bankruptcy being deleted from XXXX XXXX FILE on XXXX XXXX XXXX. Experian is NOT investigating into this after speaking with XXXX XXXX directly on XX/XX/XXXX, customer support stated during their bankruptcy dispute investigation initiated on XXXX XXXX Experian did not respond to their investigation as of XXXX XXXX XXXX experian completed their investigation on XX/XX/2023, results ; This item remained unchanged from our processing of your dispute in 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 2023-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
SOUTHWEST CREDIT SYSTEMS. Have reported a collection account on my credit that isn't accurate. I do not owe them, never had or applied for credit with them! They have fabricated dates that are not true and a dollar amount that is false, They have threaten me through my credit report with a negative impact of a collection that isn't true by no means. This matter have been disputed once before in XX/XX/2020 with the credit bureau. Southwest credit system have violated my rights, and they have totally ignored the statue of limitations.. They are willing to do damage at any cost! This threatening behavior must stop! They have put this negative information on my credit report and now I'm suffering with higher rates on insurance and higher interest on credit cards and also affecting employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-03-04 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: NC

Complaint narrative:
On XX/XX/XXXX i set up online a domestic wire transfer from my discover money market account for {$4500.00}, i then called and spoke to a discover agent who told me they are reviewing the wire instructions and if no problem should go by XXXX XXXX on that day. 
The recipient sent me a message on XX/XX/XXXX that he did not receive the wire as i had promised, i called discover bank immediately, the first agent hung up on me, i called back and the next agent told me my wire transfer will not go, that it was a business decision by discover, that my options were ACH or certified check, which i declined. I sent my recipient the money with paypal. 
On XX/XX/XXXX i was shocked to get an email from discover that my wire was processing, i immediately called discover, the agent apologised, refunded my wire transfer fee and told me the wire was going to be recalled. Till date i have made several calls to resolve the issue with no success, i spoke to a supervisor by the name XXXX, who told me she has taken over the case and will be updating me on it and that she will investigate my initial call when i was told the wire will not go out for business reasons by discover, i have not heard from her since then, i left message for her to call me but she has not till date called me back. 
I have had paypal refund me the money so i dont need the refund from discover, but i have to put this out so that discover bank is corrected from doing this to someone else, i believe i was treated this way because of my sociodemographics factor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I submitted a complaint to the occ it had been said by XXXX XXXX XXXX now XXXX XXXX that a faculty member tried to open a credit card with cap one using my information years later I wasn't immediately notified and the police wasn't called to my knowledge I was given a letter by a department store card Neiman Marcus that a payment had been made however cap one was deceptive to the cfpb by not indicating what the limit was ( credit limit ) and how much charged off {$30.00} said by an in law over and over again the account had been paid in full and reported to the credit bureaus all three as a charge off and bankruptcy I forgot I went to the store to pay the bill in cash {$360.00} and the credit department said it had been paid. I truedcto get a sba Loan by a lady named XXXX before covid and cap oneblockedcthat loan I llc say blessing however cap one is retaliatory and XXXX XXXX XXXX loans brought back up why? Please note numerous complaints. I receive letters someone other than myself riling complaints who? And who is this person filing compkaintscwlusing my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
My debt is from Americollect in the amount of XXXX dollars. The debt was opened up according to their reports on XX/XX/2022. Per the new law that took affect XXXX XXXX2022 the time to report negative debt on credit reports increased to 1 year. Medical doubt less than XXXX dollars shall not reported to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation