vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-15 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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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
Consumer complaint received 2022-05-15 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 that a consumer reporting agency can not furnish an 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 2022-05-15 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: PA

Complaint narrative:
My name is XXXX XXXXXXXX XXXX XXXXXXXX. I am a victim of identity theft. These accounts are fraudulent.

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 2022-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: UT

Complaint narrative:
In XXXX of XXXX I set up a mortgage loan with XXXXXXXX XXXX XXXX XXXXXXXX who sub serviced my loan with XXXX XXXX XXXX ( Loan Servicer ). From its origination, I arranged with XXXX XXXX for automatic payments to be made for my loan via ACH with my XXXX  XXXX XXXX XXXX Account. Such payments were pulled diligently and on time automatically by way of my account number and routing number up until XXXX of XXXX when unexpectedly my loan was transferred from XXXX XXXX  to Suntrust Bank now Truist. 

In the process of my loan being transferred, Truist failed to 1. update my account information so that those automatic payments would continue and 2. properly notify me of such changes. The only notice I got was a letter in the mail. No phone calls or emails. This is important to note because from 2 weeks before the transfer of my loan up until XX/XX/XXXX I was out of town. Not to mention the letter mailed to my address was accidentally taken inside of another unit on my property from a renter of mine ( in which I have written account from her stating there was no way for me to have known of this change because she accidentally had withheld my mail from my time of leaving town XX/XX/XXXX until XXXX ). 

This transfer of my loan along with Truist 's failure to update my account and properly notify me led to me missing a mortgage payment. However, even then the only notice they gave to me regarding a delinquent payment was by mail again. No phone call or email. Keep in mind I'm out of town from XX/XX/XXXX until XXXX for work in another state. And these notices too were mixed up in my renter 's mail and only found inside her unit when I arrived back home and did a random inspection of her unit on my property. 

It's extremely frustrating too because it's not like I didn't have sufficient funds in my account at the time of the missed payment. In fact, I have proof of funds and a bank statement dating from the same time in which such payment was missed and I had over {$20000.00} in my account when the missed payment was for {$1500.00} As a result of all of this, there is currently a 90-day delinquency on my credit which was reported by Truist. I have tried now 2 times to dispute this with them and they will not acknowledge their failures or update my credit given the circumstances of me not being properly notified and also having sufficient funds at the time of delinquency.

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 2022-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent letters on XX/XX/2022 to XXXX, XXXX and TransUnion about unrecognized negative items on my credit report and have not received any information back. It has been over 30 days. These companies are not complying with their own policies in a timely manner. 
I sent a second letter XX/XX/2022 asking the companies listed to comply but received no response.

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 2022-05-15 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: CA

Complaint narrative:
I sent letters on XX/XX/2022 to XXXX, Equifax and XXXX about unrecognized negative items on my credit report and have not received any information back. It has been over 30 days. These companies are not complying with their own policies in a timely manner. 
I sent a second letter XX/XX/2022 asking the companies listed to comply but received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: TX

Complaint narrative:
The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is wrong, the last date active is wrong, and last date is not accurate. This is ground for removal and my rights were violated under the law 's.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: TX

Complaint narrative:
Around XXXX XXXX  on XX/XX/XXXX or XXXX 2022 I was getting gas at XXXX truck stop when I bought a paypal prepaid mastercard backed by NETSPEND. When I tried to activate it online it said I needed to speak with a customer service representative. So I waited till they were open to call. Upon speaking with them I was told I was not eligible for their services and unfortunately they could not tell me why and I would have to be refunded and they would issue me a check with in ten business days. That was not acceptable at the time. That was literally every cent I had to my name till my next payday and now they are telling me I would have no money for gas or food or my morning coffee. Needless to say I still have not received my money and it has been round 30 days since I bought card. I was told they could not ACTIVATE CARD in my name. So I asked can we use my girlfriend. They said no cause I purchased it and it had been registered in my name but at the same time they say that the card is not active. So if it's not active yet why can't we activate it in my girlfriends name. It says no where on the packaging or at store where I purchased the card that I could buy the card but there was a chance I may not be able to activate it and have no access to funds till they mail me a check. I even asked them to restrict card so it would let me spend funds for purchases only and not be allowed to be reloaded and they said no. It's not fair to me or any other consuner. They should make people aware that when they purchase a card that they MAY NOT BE ABLE TO ACTIVATE IT AND NETSPEND HAS SOLE DISCRETION.

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 2022-05-15 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. I am filing this complaint against your company for the fraud you have committed against me. I did not give NATIONAL CREDIT SYSTEMS any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. NATIONAL CREDIT SYSTENS has also committed aggravated identity theft by sharing my social security number with the credit reporting agencies without my permission. No one can use my social security number but me. It was given to me by the government and no one else can use it without my knowledge or written consent. I am demanding a cease and desist of all illegal activity, any communication of this and any alleged debts until NATIONAL CREDIT SYSTEMS can provide me with sufficient documentary evidence that I gave them written permission ( a signature on a contract is not written permission ) to share my personal information such as my social security number and to report any transactions on my consumer report. If this documentary evidence can not be produced and NATIONAL CREDIT SYSTEMS continues to report transactions between my self, the consumer, and the person making the report, I will file for litigation for actual damages caused and NATIONAL CREDIT SYSTEMS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

I have filed an identity theft report with the FTC. Per 15 U.S. Code 1681c2 - Block of information resulting from identity theft : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of Furnishing this alleged debt to my consumer report as a means of coercing me to pay is EXTORTION. COLLECTION OF EXTENTIONS OF CREDIT BY EXTORTIONATE MEANS IS A VIOLATION OF 18 USC 894 AND CARRIES A CRIMINAL LIABILITY OF UP TO 20 YEARS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 : its 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 2022-05-15 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed 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 explanation
Consumer complaint received 2022-05-15 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 XXXX Account Name : XXXX XXXX Account # XXXX, and Account Name : Online Information Services 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

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 2022-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Im getting daily emails and text messages stating that my PayPal account is at risk. I dont have a PayPal account and I never have I can send you photos of text message and the number attached I dont open your follow the link I just took a snapshot of it on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: TN

Complaint narrative:
Im 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 cannont Furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an opening consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed 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 2022-05-15 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: PA

Complaint narrative:
My name is XXXX XXXXXXXX XXXX  XXXX. I am a victim of identity theft. These accounts are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXXXXXX. I am a victim of identity theft. These accounts are fraudulent.

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 2022-05-15 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 that a consumer reporting agency can not furnish an 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 2022-05-15 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: TX

Complaint narrative:
I did not authorize these inquiries. 
SERVICE LOAN - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed 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 explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions 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 2022-05-15 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: MD

Complaint narrative:
Under 28 USC 3002, Section 15 ; I'm invoking my specified remedy as a Federal Corporation member of the United States as the original creditor/consumer. I'm also invoking my remedy under 1602 USC ( G ) ( J ) my rights to " MY '' open ending credit plan. These creditors has violated my rights under 15 USC 1681 ( a ), Section 602 ( A ) ( 4 ) respect for the consumer 's right to privacy. They are as follow : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation