vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 an 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 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
They added me for this service without my permission and when I contacted them they are not picking up my call.

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 2022-06-13 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: VA

Complaint narrative:
On the date of XXXX i submitted a dispute to Transunion in reference to the incorrect information that was listed on my consumer report which is hindering me from advancing in my life. I am currently in the process of purchasing a home and due to the incorrect data i am unable to move forward in that process. The most stressful part of it all is that my information was included in the XXXX data breach and it seems as though Transunion is unconcern about that fact. The proof shows in the fact that it is nearly 60 days from the date of my initial letter which was sent via usps certified mail which shows the date that my letter was received and that date was well over the gven 30 day timeframe. it also gives the impression that my right to dispute the incorrect data on my consumer report was violated. AN investigative consumer report is supposed to be completed as well as not include specific factual information

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 2022-06-13 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 an 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 non-monetary relief
Consumer complaint received 2022-06-13 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 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 2022-06-13 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 # 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 XXXX 1. XXXX XXXX XXXX  Account number XXXX 2. XXXX XXXX Account XXXX 3. XXXX Account number XXXX 4. XXXX XXXX XXXX  Account number XXXX 5. XXXX XXXX Account number XXXX 6. XXXX XXXX Account number XXXX 7. US DEP ED Account number XXXX 8. US DEP ED Account numberXXXX 9. USDOE/XXXX  Account number XXXX XXXX 1 XXXX XXXX XXXX XXXX Account number XXXX 2. XXXX XXXX Account number XXXX 3. U S DEPARTMENT OF ED Account number XXXX 4. U S DEPARTMENT OF ED Account number XXXX 5. U S DEPARTMENT OF ED Account number XXXX 6. US DEPARTMENT OF EDU Account number XXXX 7. US DEPARTMENT OF EDU Account number XXXX 8. US DEPARTMENT OF EDU Account number XXXX 9. US DEPARTMENT OF EDU Account number XXXX 10. US DEPT. OF EDUCATIO Account number XXXX 11. XXXX XXXX XXXX  Account number XXXX 12. XXXX XXXX XXXX Account number XXXX 13. XXXX XXXX XXXX Account number XXXX 14. - Account number XXXX Experian 1. XXXX XXXX Account # XXXX 2. XXXX XXXX  Account # XXXX 3. XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX 4. XXXX XXXX ACCOUNT # XXXX 5. XXXX XXXX Account # XXXX 6. XXXX XXXX XXXX  Account # XXXX xx 7. XXXX XXXX XXXX Account # XXXX XXXX  8. XXXX XXXX XXXX Account # 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 2022-06-13 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT : XXXX 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 2022-06-13 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 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 2022-06-13 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-13 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ORIGINAL CREDITOR ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 2022-06-13 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: OK

Complaint narrative:
The following entities/XXXX accounts has violated my rights. In accordance with the fair credit reporting act. 
15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions no XXXXXXXX XXXX XX/XX/XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, closed acct XXXX XXXX XXXX XXXX XXXX, XXXX, closed account XXXX XXXX, # XXXX, XXXX  XXXX closed acct XXXX XXXX XXXX XXXXXXXX, closed account

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 2022-06-13 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:
In accordance with the Fair Credit Reporting act XXXX 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 Transunion 1. XXXX XXXX XXXX Account number XXXX 2. XXXX XXXX Account numberXXXX 3. XXXX Account number XXXX 4. XXXX XXXX XXXX Account number XXXX 5. XXXX XXXX Account number XXXX 6. XXXX XXXX Account number XXXX 7. US DEP ED Account number XXXX 8. US DEP ED Account numberXXXX XXXX. XXXX Account number XXXX XXXX 1 XXXX XXXX XXXX XXXX Account number XXXX 2. XXXX XXXX Account number XXXX 3. U S DEPARTMENT OF ED Account number XXXX 4. U S DEPARTMENT OF ED Account number XXXX 5. U S DEPARTMENT OF ED Account number XXXX 6. US DEPARTMENT OF EDU Account number XXXX 7. US DEPARTMENT OF EDU Account number XXXX 8. US DEPARTMENT OF EDU Account number XXXX 9. US DEPARTMENT OF EDU Account number XXXX 10. US DEPT. OF EDUCATIO Account number XXXX 11. XXXX XXXX XXXX Account number XXXX 12. XXXX XXXX XXXX Account number XXXX 13. XXXX XXXX XXXX Account number XXXX XXXX. - Account number XXXX XXXX 1. XXXX XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXX 4. XXXX XXXX  ACCOUNT # XXXX XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX. XXXX XXXX XXXX Account # XXXX XXXX  XXXX. XXXX XXXX XXXX Account # 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 2022-06-13 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:
In accordance with the Fair Credit Reporting act XXXX 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 XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX. XXXX XXXX Account numberXXXX XXXX. XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX 7. US DEP ED Account number XXXX 8. US DEP ED Account numberXXXX XXXX. XXXX Account number XXXX Equifax XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX. XXXX  XXXX  Account number XXXX 3. U S DEPARTMENT OF ED Account number XXXX 4. U S DEPARTMENT OF ED Account number XXXX 5. U S DEPARTMENT OF ED Account number XXXX 6. US DEPARTMENT OF EDU Account number XXXX 7. US DEPARTMENT OF EDU Account number XXXX 8. US DEPARTMENT OF EDU Account number XXXX 9. US DEPARTMENT OF EDU Account number XXXX 10. US DEPT. OF EDUCATIO Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX XXXXXXXX Account number XXXX XXXX. - Account number XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX. XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: MO

Complaint narrative:
Equifax showed a hard inquiry from XXXX. That I didn't recognize or authorize, I filed a dispute and Equifax ruled that it was legit and it would stay on my credit report ( the other credit reporting agencies never showed such an inquiry ) when I called the number given on the dispute response, I was informed I didn't have to give anyone permission to make a hard inquiry, and all someone needed was to have my soc sec #, BUT .... it could be more favorable if I were to purchase an upgrade to my equifax for like {$20.00} ( I can't remember the exact amount ) I was extremely upset to realize that you could BUY better credit reports, the lady recognized my being upset and suggested I put a freeze on my account, then I wouldn't have to worry about it if I didn't want to upgrade, so I did. Just yesterday in order to apply for a local credit I had to lift the freeze only to find that they have a {$28000.00} account that has been paid off for 3 months still in active status causing an adverse decision for credit when XXXX have shown me for excellent credit.. when I went to dispute it equifax said dispute site is down, REALLY? It's not the adverse decision that has ne worried, its the power equifax has over my credit and insists that I pay for upgrade to get normal treatment, how is it that this is allowed? Another part of our constitution XXXX XXXX  XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX placed an inquiry on my credit report on XX/XX/2020 without my consent. 

In accordance with the Fair Credit reporting act 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 an inquiry 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 2022-06-13 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: PA

Complaint narrative:
Personal information Violation 15 USC 6802 ( i ) no one had permission to disclose my personal info, this is a place of abode not my address, I don't reside here, it is a primary dwelling 15 1681 A ( 4 ) Right to privacy Violation Late payment violation 15 USC 1681 B, Stolen Vehicle 15 USC 9613, 9611, 9612 15 USC 1692 ( J ) 15 USC 16666B timing of payment 15 USC 1602 J 15 USC 1692 G 15 USC 1681 A 2 A 2 B 15 USC 1681 N

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Has Violated My Rights 15 USC 1681 Section 602A States I Have The Right To Privacy 15 USC 1681 Section 604A Section 2 It Also State A Consumer Reporting Agency Can not Turnish A Account Without My Written Instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation