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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted the agency regarding the information and no actions were taken. 

In accordance with the Fair Credit Reporting Act Professional/ Debt 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 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 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted the agency regarding the information and no actions were taken. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-13 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX account name 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 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX account name 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 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: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
U.S. Bankruptcy Court Georgia XXXX... I have previously disputed U.S. Bankruptcy Court Georgia XXXX XXXX XX/XX/2017 with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the Court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681l ) and the information must be deleted immediately.

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: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX Georgia XXXX... I have previously disputed XXXX XXXX XXXXXXXX Georgia XXXX XXXX XX/XX/2017 with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the Court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681l ) and the information must be deleted 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 2022-06-13 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  the following accounts violated my rights : 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  the following accounts violated my rights 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 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with 3 accounts and inquiries I did not authorize

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Getting declined for an XXXX XXXX by XXXX XXXX XXXX XXXX for reasons that even any of the credit bureaus ' can not figure out and help me with it. There is a file of a copy of the letter attached to this FTC 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 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: SC

Complaint narrative:
I have contacted the collection agency on several occasions asking them to provide the itemized amount for charges that they are attempting to collect on. The collection agency is unable to provide the details and just say you know that you owe the balance forward amount. The collection associate offered a settlement of half the debt, then refused to work with me after I was able to come up with the amount that they asked for. I have tried to work out a settlement for part of the debt, only to be told no. This collection is preventing me from being able to find a place to rent, so I will have a place to live. I am currently XXXX and have to sleep at friends or family members places. The amount placed on my credit report is {$310000.00}. 

XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In accordance with the door credit reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX. ACCOUNT # XXXX XXXX. Account # XXXX XXXX XXXX. Account # XXXX XXXX XXXX Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 XXXX XXXX. Account # XXXX XXXX ACCOUNT # XXXX XXXX. ACCOUNT # XXXX XXXX. Account # XXXX XXXX  XXXX. Account # XXXX XXXX XXXX. Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/2022 Chime closed my account stating that - " Provide sufficient original source of funds for transfers and explanation of the rapid removal of {$59000.00} over the last 2 months. '' This is regarding a personal account I have with Chime Bank 1. above you will see an email from Chime bank ( they do business through XXXX XXXX XXXX XXXX that they are investigating me in terms of why I have removed funds so rapidly from my account.. 
2. This is the second time they have shut my account down. However, after the first time, I submitted information ( statements, etc ) showing that there is nothing illegal and they reinstated my account 3. This time after submitting all the info they have not reinstated my account- the answer is pretty simple. I took my {$59000.00} out ( XXXX because I got a bonus at XXXX XXXXXXXX XXXX and {$9500.00} to cover some expenses ) 4. I have called them on 4 or 5 different occasions and customer service states that they can not help me and I have to just respond to the emails... even after elevating the call to the supervisor in charge.. 
5. I have asked for an update 4to 5 different times via their email addresses ( XXXX & XXXX ) however they will not answer me. So, I can't seem to get an answer as to what is going on... What's crazy is this rapid removal investigation. I'm certainly not doing anything illegal. How can a bank do this? What if I wanted to take out my money to buy a car or a house? 

I have about XXXX in this bank account still and would love to take it out but I'm locked out of everything. One of the craziest experiences I've ever had... 

I was wondering if I could get some help on this ... .I just want to sincerely thank you for helping me in the past and again, I am happy to pay you for your services. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I was selling my daughters dance costume over XXXX for {$200.00} I was contacted on XX/XX/22 from someone asking to purchase via Zelle. Information sent for her to send to send money to and I did received some type of email confirmation that payment had been sent then on XX/XX/22 Received an email that my account can not receive payment due to low limit and and buyer needed to send me {$800.00} To increase the limit on my Zelle account and to refund the {$800.00} to the buyer which was done, received message on XX/XX/22 That server had updated overnight and buyers account had been double charged the {$800.00} and to send another refund and that all purchases and money transferred would be held into an account Until all checks and balances made and then would be redistributed received another message on XX/XX/22 That an XXXX Fee of {$2000.00} had been Applied and the buyer would need to pay this and I reimburse the buyer I have copies of all emails and pictures of account transfers from said buyer, I then received another email on XX/XX/22 In regards that everything was almost settled but another fee had been applied a {$1500.00} and that the The buyer we need to pay this and be refunded I have not made any transaction in regards to this {$1500.00}

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 XXXX. 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 n 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 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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: HI

Complaint narrative:
I received XXXX escrow shortage notices and have covered both. The company has not reflected coverage to the monthly mortgage payment. The first payment was sent XX/XX/XXXX, and the second was sent XX/XX/XXXX. The company, after XXXX separate customer support contacts, has not rectified this and insists on increasing my monthly payment. After each customer service engagement, I am unable to receive any kind of internal tracking or ticketing number, and I have been told to " wait an see on my next statement '', since XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2021, XXXX XXXX XXXX reported what they called an unpaid medical collection in the amount of {$450.00} on my credit reports with all 3 credit agencies. I was not aware of the existence of this debt, but when I became aware of it on my credit report, I called the company that was reporting the collection, XXXX XXXX XXXX. They explained to me that XXXX XXXX XXXX had sent my account to collections. I did not agree with the accuracy of this explanation so I researched the issue and found out that XXXX XXXX had sent an old medical bill to an old address where I lived over 8 years ago. I never received any type of request for payment or an invoice. I went ahead and paid the entire amount in order to settle the debt and close the account, but I continued to dispute the accuracy of the information and also consulted with my attorney. I found out that XXXX XXXX had changed their accounting systems and much of their pre-existing information did not carry over to their new systems, so they were still using my old address. I had even gone into XXXX XXXX a few times after the date of this collection, and XXXX never told me that I had an unpaid balance. 
After going several different rounds of phone calls and dispute letters, I requested that the creditor provide me proof of the debt, as it was my hope to have this derogatory item deleted from my credit report. The way that TransUnion ( " TU '' ) handled this situation has caused my credit score to suffer even more. When I reached out to TU to dispute the item, TU sent a form to the creditor and asked them to validate that the debt was accurate. The creditor then simply checked a " Box '', to indicate that the debt was accurate, they provided no information to TU, and TU did not investigate the matter any further. TU instead, changed the date reported for this collection to a more recent date, which gives the impression to any lender that this is a new collection and is still open. I have been in the process of closing on a mortgage and this has hindered me significantly. TU is the only credit agency that is reporting this debt over and over again, refreshing it each time they receive a response back from the creditor in response to my dispute. This is a closed account, and paid in full. There is no reason for TU to continue to change the reported date, refreshing this collection. And furthermore, TU is not actually investigating the accuracy of the debt, they are only sending a form to the creditor, and the creditor is just saying " Yes '', it's accurate, with no supporting 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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: AZ

Complaint narrative:
This is not a valid collection and it is time barred. I have reached out to the FCC and the XXXX  to file a complaint against XXXX XXXX as they are unable to provide proof of debt or an accounting history or breakdown to how the balance came to be what it is with no notes in my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
called on a saturday. they call every day from different phone numbers.

Company response to consumer: Closed with non-monetary relief