vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 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: NY

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. CO. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK XXXX A ) 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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
In XXXX of XXXX, I was placed on collections by CMRE financial for a payment of {$220.00}. I had not received the bill in the mail, nor did I get any phone calls/emails regarding this payment, which was due. This is not a recurring credit card, and the charge is related to Home owners association in the condo I live in. Often times, mail gets misplaced, which is likely the reason why I did not see this payment until it was too late. I have since then, paid the statement in full, and have not missed any payments since then. I am currently in the process of financing a home, and this old collection is still on my record and is affecting my ability to move forward with the transaction. The rest of my credit report is essentially flawless. I would greatly appreciate if I could be re-scored so that the appropriate credit score can be shown to the lenders. Please help me remove this from my record. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: IL

Complaint narrative:
I submitted a complaint XXXX to the CFPB on XX/XX/22 about Equifax stating the following In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account number 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. In return I received a letter in the mail saying to contact them which I did in the past & they did nothing. They state that it didn't appear to have come from me but I am sending this complaint on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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 XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX 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 A 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 2022-06-14 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: FL

Complaint narrative:
Equifax Has refused to re investgation of these accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX I have provide letter document they have sent me. 
Equifax is violating 15 U.S. Code 1681e - Compliance procedures. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.You have the right to bring a lawsuit. If the credit reporting company violates the FCRA, they can be held liable for actual damages and attorney fees. In the case of a willful failure to comply with FCRA requirements, the company can be liable for actual or statutory damages and punitive damages. There are time limits on when you would have to bring a lawsuit, so make sure you are aware of any deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: FL

Complaint narrative:
I recently verified my credit report to come to realization that multiple credit card attempts were made on my credit file I have not applied for majority of these credit card as soon as I realize that I made a police report/ complaint and I have also placed a credit freeze on my credit so that i can better monitor the situation I have provided a short list of companies that these attempts have been made thru and have directly impacted my credit.

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 2022-06-14 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: FL

Complaint narrative:
I recently verified my credit report to come to realization that multiple credit card attempts were made on my credit file I have not applied for majority of these credit card as soon as I realize that I made a police report/ complaint and I have also placed a credit freeze on my credit so that i can better monitor the situation I have provided a short list of companies that these attempts have been made thru and have directly impacted my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is in reaction to your recent allegation that the bellow items have been verified the accuracy of the account they are reporting under my name. Please be reminded that you will be required to give a description of the technique used to determine the correctness and completeness of these information immediately upon receipt of this letters. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: NY

Complaint narrative:
The following late payments are billing errors pursuant to 15 USC 1666b

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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The accordance with Fair Credit Reporting act these accounts has violated my rights. 

XXXX XXXX XXXX Louisiana XXXX # XXXX XXXX XXXX XXXX Louisiana Docket # XXXX XXXX XXXX XXXX Louisiana Docket # XXXX Section 602 A. States I have the rights to privacy. 
15 U.S.C. 1681 Section 604 A section : 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 2022-06-14 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: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
My XXXX car loan was late by 3 weeks. On the XXXX of XXXX they called me about the bill and while on the phone I explained to them I would have the money that Friday night, and could I pay it online. They said yes, absolutely. That Friday night when I went to make the payment, which was still under the 30 day mark by 4 days, I got pop-up message saying one-time payments had been disable for my account and to call the number. I called the number and tried to do an automated payment by phone, but was told by the recording I wasn't able to. And because of the holiday weekend they were not available to take a payment till the following Tuesday. That Monday was the 30th day. I had the money and was willing to ay them, they told me, yes, I would be able to online, and that was a lie. That Tuesday they told me that it was because I missed two automatic withdrawals on the day they came out. They weren't late, but the funds weren't there till a day or so after. Anyway, this is their sort of punishment, they lock people out without telling them, refuse any form of payment except a debit card, and it can only be with a live person for a {$7.00} fee. For 90 days. They failed to tell me all of this when I asked about making that payment, and were more than happy to take my payment that Tuesday and give me a 30-day late notice on my brand new car. My XXXX XXXX had been XXXX, but thanks to them it dropped XXXX points. I realize I was late to begin with, but if they're going to say I CAN make the payment when it's clearly a lie, I feel like that was deceptive, and spiteful, and putting a 30 day late notice on my credit report the very day I was able to pay is just wrong. Also, in the attached screen shot it appears to show up twice on my credit report for one late payment. It looks like two different branches of Hyundai are reporting the same missed payment.

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 2022-06-14 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 credit reporting act : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX as violated my rights. 
15 U. S. C 1681 section 602 A. State that I have to write to privacy.

15 U. S. C. 1681 section 604A section 2 : It also state 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 2022-06-14 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 credit reporting act : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX as violated my rights. 
15 U. S. C 1681 section 602 A. State that I have to write to privacy.

15 U. S. C. 1681 section 604A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX : Account # XXXX, has violated my rights. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto 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 explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
This complaint will serve as notice to the CFPB that all though my last complaint was marked as " duplicate '' and terminated, this is an on going matter that has NOT been solved and this company continues to illegally report negative, inaccurate and invalidated debt on Claimants consumer reports and MUST be held accountable. 
Claimant has asked for and demanded Validation of Debt pursuant to 15 USC 1692g - MANY TIMES CLAIMANT HAS NEVER RECIEVED TRUE VALIDATION.

Claimant has sent sworn testimony in the form of Affidavit of Truth and FTC Identity theft complaint under Title 18 USC 1028a ALL HAVE BEEN IGNORED ILLEGALLY Claimant has demanded an audit trail in accordance with 12 USC 5562 ( c ) ( 10 ) in order to verify what occurred with this account.

AGAIN IGNORED. Never received.

Claimant has demanded a statement under penalty of perjury that this bank in fact loaned Claimant any money.

NEVER RECIEVED.

Claimant is aware that this company is in violation of TILA regulations, FDCPA regulations, FCRA regulations and more. Claimant also has noticed this company just settled out of a major court case in XXXX for their deceptive and illegal practices. 

On XX/XX/2022 Claimant mailed via certified mail number XXXX XXXX XXXX XXXX XXXX a 'NOTICE OF INTENT TO SUE ' to the company as their FINAL notice. If they do not remove the information from all consumer reporting agencies and delete the fraudulent account immediately we will be handling this in court. Claimant will be seeking damages in the amount deemed fit by the court. This complaint will be being made to the XXXX attorney generals office as well as the XXXX attorney generals office

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 2022-06-14 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:
Im accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # XXXX has violated my rights. 

Dept Of EdXXXX XXXX XXXX XXXX has violated my rights. 

Dept Of EdXXXX XXXX XXXX XXXX violated my rights. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

U.SDepartment of education XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states that a consumer reporting agency can not furnish an account without my written permission.

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