vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 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: AL

Complaint narrative:
In according with the FCRA, list of accounts below has violated my FEDERALLY PROTECTED CONSUMER RIGHTS and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

15 U.SC. 1681 602 A. States that 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 EXCEPT as authorized under subsection ( b ) of this section, 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.

A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing 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 2023-03-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-07 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:
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 XXXX XXXX  Account number : XXXX, XXXX  Account number : XXXX, XXXX Account XXXX : XXXX, XXXX XXXX Account number : XXXX, DEPTEDXXXX Account number : XXXX, DEPTEDXXXX  Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ) Account number : XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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 non-monetary relief
Consumer complaint received 2023-03-07 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 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 XXXX XXXX Account number : XXXX, XXXX  Account number : XXXX, XXXX  Account XXXX : XXXX, XXXX XXXX Account number : XXXX, DEPTEDXXXX Account number : XXXX, DEPTEDXXXX Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account number : XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section XXXX A. XXXX 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 2023-03-07 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: MOHELA
State: PA

Complaint narrative:
Requesting for student loan information, late payment history, etc to be removed from credit report this debt has been written off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-07 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX XXXX. 
My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX XXXX. 
My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX  IL XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} 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 non-monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc
State: AL

Complaint narrative:
Company provided my personal intonation with out my written consent. According to 15 U.SC. 1681 602 A. States that 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 which I never gave them written consent to share my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: AES/PHEAA
State: PA

Complaint narrative:
Requesting for student loan information, late payment history, etc to be removed from credit report this debt has been written off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: OK

Complaint narrative:
On XX/XX/2023 I called, just excuses and runaround why the amount ( s ) keep fluctuating. I emailed XX/XX/2023, they refused to respond. I emailed XX/XX/XXXX, twice and XX/XX/2023, they refuse to respond. I used the text feature ( XXXX ), on XX/XX/2023, they refused to respond. I have attempted to rescind my ACH debit, they refuse to respond or acknowledge this. 
I have paid XXXX in 10 months, the original amount was XXXX Credit Fresh says I owe XXXX, where did the money paid go? How can I possibly owe more than the original loan by XXXX when I have paid nearly XXXX in just 10 months. 
This is beyond predatory. This is beyond allowable interest in Oklahoma. I am also contacting the FTC and Oklahoma State Attorney General. I am also sending via signature required my revocation of ACH debit. 
This company is ruthless, follows NO rules, NO acceptable accounting practices. They should be shut down IMMEDIATELY. 
The refusal to respond, the refusal to remove the ACH authorization tells anyone all you need to know about Credit Fresh. 
Please, I am begging you, STOP these crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has Violated my rights. 
15 USC 1681 Section 602 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: MD

Complaint narrative:
On XX/XX/2023 I sent money to my girl in XXXX, she has not receive the money with was meant to arrive for his sisters birthday on XX/XX/XXXX which is a problem because the money has already left my bank, so what happened to the money I sent? Where is my money? The receipt I have says that is its processing but its been over a week and this transfer is still up in the air. No one has reached out to me and told me why my money is in the air. This is very unprofessional and time consuming, Im not satisfied at all with this service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MO

Complaint narrative:
Westen union NetSpend. I have account with them in XXXX of 2022 they took XXXX $ from my account they said to cover a delinquent balance on an old account with them. I explained to them I had the other card but never used it never accessed online nothing. They said that money was deposited to the card and withdrawn to a debit card ending in XXXX or something like that. I don't have a debit card ending in those numbers they stated XXXX told them it's obvious someone hacked the account and took that money. They should trace the name associated with that debit card they would see it's not me. I want my XXXX $ back. They should never have taken it without contacting me to see if it was me making that transaction.obvious it's not me. Acct # is 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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
these CRAs are continuing to violate my consumer rights and willfully breaking the law. they are completely refusing to uphold their lawful duties. section 623 is extremely clear about the duties and responsibilities of CRAs and data furnishers.

1. They are not absolved from lawful duties outlined in 623 by litigation.

2. the fcra does not say they can continue to harm me by reporting false or fraudulent data.

3.they can not continue to violate my rights by reporting me as deceased.

4. they can not open and close my accounts at random an without consent. 
5.they can not send harassing letters to " the estate of XXXX XXXX ''. they can not add experiences or transactions to my report. 
6.they can not take more than 30 days to investigate this clear willful and negligent misuse of my data. 
7. they can not continue to violate the entire FCRA FDCPA ETFA and my 4th amendment rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: AZ

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX Unit XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} 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 2023-03-07 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 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 2023-03-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: KS

Complaint narrative:
All State insurance agent created a mortgage and auto policy for me and my wife without our consent, signature or verbal approval. I have text conversation with this agent where I specifically request this person that we are NOT interested in buying his policy. They took out information on the pretext of giving us a competitive quote however despite our request to NOT create any policy for us they started a policy without our consent. The agent withdrew money from our escrow account to pay for mortgage and auto loans despite r being asked NOT to do so. When we reached out to dispute this with the XXXX agent, he refunded us the amount. However since then we have been receiving bills, calls, texts and emails from debt collection services to collect {$200.00} debt to XXXX XXXX. This XXXX agent must be audited and debt collection services should be able to dispute this with their clients. Instead, debt collection services is asking us details and a copy of our actual insurance policy!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights 15USC 1681 Section 602 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. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open -end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
My mortgage was taken over by Fifth Third Bank. The notification process was incomplete. They did not provide clear verification that they were indeed the new mortgage processor so it looked like a scam. 

Once I verified they had bought my loan, the only way to pay the mortgage was to enroll in other services with their bank. 

They do not have adequate or informed customer service representatives. It is all automated which makes it appear like a scam. 

They claim that I missed payments, and send mailed statements saying I owe more money but their online system does not show the same balance as the mailed statements again making the process appear like a scam and very confusing. 

The inability to pay without using more services, the inconsistency in the paper and online statements has caused late fees to be assessed which need to be removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd
State: DE

Complaint narrative:
We were using Wise for a while to transfer international money for our partners purchase and our company payments, and accept international payments. Most of our method to Wire using Wise is by depositing from our US bank account to our Wise account, and we have all proof statement for our every transaction we made. After we used Wise for three months we got notification from Wise our account is deactivated on XX/XX/2022. We tried to open Appeal, again they decded to remain our account closed. The reason for our account deactivation is our nature of business is violates of their policy section 1.2.2 ( e ), and we don't see ur business is violates their privcy. After all their decision we need to open a compliant using CFPB, and we need Wise to check our issue and solve as possible as they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Medical bill from midland credit was supposed to be paid by insurance. The company was sent the insurance information three different times and they refused to remove from my report

Company response to consumer: Closed with explanation