vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-04 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, TN CHILD SUP : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, TN CHILD SUP : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 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:
15 U.S. Code 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The creditor has reported that from XX/XX/XXXX through XX/XX/XXXX, my account payments were late or not made, which is false. The payments were all made and were on time each month. I have tried contacting the creditor and all three credit bureaus about the issue. Each time, they just report back that they can not change what my credit report says because the original report was accurate when in fact, it was inaccurate and is causing me not to be able to build my credit as quickly and efficiently now and is also causing me not to be able to get new credit with other companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 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:
15 U.S. Code 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The creditor has reported that from XX/XX/XXXX through XX/XX/XXXX, my account payments were late or not made, which is false. The payments were all made and were on time each month. I have tried contacting the creditor and all three credit bureaus about the issue. Each time, they just report back that they can not change what my credit report says because the original report was accurate when in fact, it was inaccurate and is causing me not to be able to build my credit as quickly and efficiently now and is also causing me not to be able to get new credit with other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' 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. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent over all of the information requested, yet XXXX and Experian have refused my identity information, and taken their time in supplying information to my previous requests- plural. As stated on this site, an FTC report may be used in place of a police report, I provided the statement that was needed, proper identification and everything necessary, yet, they had still gone beyond the number of days the law states they must answer to not only validate a debt but for fraud. They are required by law to delete what was requested, and the willingness to do so is them also perpetrating fraud, which will be handle with each violation. This a violation to my natural rights and they are well aware. They are part of the protection process for the consumer, yet seem to have more vested interest in those providing the fraudulent information, which makes them no better.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX : # XXXX, DEPT OF ED/XXXX XXXX XXXX XXXXXXXX, DEPT OF EDXXXX XXXX XXXX XXXXXXXX, DEPT OF EDXXXX XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX XXXX XXXX XXXXXXXX, DEPT OF EDXXXX XXXX XXXX XXXXXXXX, DEPT OF EDXXXX XXXX XXXX XXXXXXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX : # XXXX, DEPT OF ED/XXXX XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX XXXX XXXX XXXXXXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX funding shows two separate derogatory remarks on my Experian account. One amount was for just under {$2000.00} and the other for approximately {$900.00}. 
I made the dispute with Experian, waited approximately a month to find that Experian is reporting the debt as active. 
Through the Freedom of Informations Act, it is clearly stated that the debt has been disposed of in the Court of Law many years ago. Additionally, this alleged debt is well over 7 years past un-acknowledgement. 
This is causing major issues while trying to find a safe place for my family to live. 
It would appear that Experian reached out to the alleged debtor, were told it was accurate, satisfied with the answer and did not attempt to investigate public record. 
This does not appear to be a dedicated consumer advocate. Resolution has been established and needs immediate attention to verify accurate status as established in the NYS criminal justice system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian has repeatedly refused me access to my report " ON LINE '' I was intentionally blocked. So I am going to continue file complaints, as I stated cfpb has also refused to assist me in getting Experian to do the right thing. But since everyone has violate fair credit reporting act and violated my bill of rights. I have reached out to someone is higher than exxperian as well as cfpb I just have to get them time for their investigation. Since my concerns and request is joke to both entity. I will patiently wait to augh later so continue to do what you'll been doing and that's unprofessional. And defrauding consumers this is only paper trail/evidence. XXXX : XXXX XXXX XXXX I DO NOT CONSENT TO ANY HIDDEN OR REVIVED CONTRACT ( S ) OR COMMERICAL AGREEMENT ( S ). I RESERVE ALL MY RIGHTS, ALL MY RIGHTS I RESERVE UCC 1-308 WITHOUT PREJUDICE 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 2023-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
XXXX XXXX  alerted me to my XXXX score decrease and upon doing so I saw that the derogatory XXXX  on my XXXX report that I supposedly opened a account with XXXX XXXX XXXX on XX/XX/2023 for {$650.00} when I know I don't owe anyone anything. I have worked hard to regain my financial independence and now this please help me clear this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I allege these for-profit schools lured me as a hopeful student into enrolling in their vocational programs by promising certain careers, but only left me with substantial debt, I paid my tuition using federal loans, so not only have these schools taken advantage of me, theyve taken money from taxpayers. I was trying to better my life through education and am instead being left financially ruined. my credit score dropped over XXXX points at once due to payments all at once reporting late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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:
1. XXXX  open : XX/XX/XXXX XX/XX/XXXX XXXX Late payment ( inaccurate ) ( Payments were on time ) Remove and Delete late payments and up date details immediately. 

2. XXXX XXXX : XXXX, XXXX XX/XX/XXXX XXXX Late payment ( inaccurate ) ( Payments were on time ) Remove and Delete late payments and up date details immediately. 

3. XXXX XXXX : XXXX XXXX, XXXX XXXX lat payments ( XX/XX/XXXX ) Late Accurate, ( XX/XX/XXXX, XX/XX/XXXX ) inaccurate I was never late XXXX times i admit, i was late on XX/XX/XXXX but only XXXX days it wasn't XXXX days late. Please correct these items and update them. 

Unauthorized collection/ Unverified account Pursuant to 18 USC 8, Owe no debt. These companies are violating my consumer rights to privacy pursuant to 15 usc 1681b 2. The company has also NO permission to report ANYTHING using my info pursuant to 15 usc 1681 4. Here are the list below : XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX {$930.00}. I asked for documents but nothing was presented. This is a violation under 15 usc 1681 i want documents ink with my name sign.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 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:
1. CXXXX  open : XX/XX/XXXX XX/XX/XXXX XXXX Late payment ( inaccurate ) ( Payments were on time ) Remove and Delete late payments and up date details immediately. 

2. XXXX XXXX : XXXX, XXXX XX/XX/XXXX XXXX Late payment ( inaccurate ) ( Payments were on time ) Remove and Delete late payments and up date details immediately. 

3. XXXX XXXX : XXXX XXXX, XXXX XXXX lat payments ( XX/XX/XXXX ) Late Accurate, ( XX/XX/XXXX, XX/XX/XXXX ) inaccurate I was never late XXXX times i admit, i was late on XX/XX/XXXX but only XXXX days it wasn't XXXX days late. Please correct these items and update them. 

Unauthorized collection/ Unverified account Pursuant to 18 USC 8, Owe no debt. These companies are violating my consumer rights to privacy pursuant to 15 usc 1681b 2. The company has also NO permission to report ANYTHING using my info pursuant to 15 usc 1681 4. Here are the list below : XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX {$930.00}. I asked for documents but nothing was presented. This is a violation under 15 usc 1681 i want documents ink with my name sign.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I had an account with Chime bank ( checking account and credit builder account ). They closed both accounts with my knowledge for unclear reason on XX/XX/2023. I have around XXXX XXXX on checking account and around XXXX XXXX on credit builder. I have called chime customer service regarding my closure check, they stated they dont have any info when it will be sent and I have to wait 10 days its been already 13 days. I have called number of time as well as sending emails where is only get automated response from them. I asked to talk to supervisors on the phone and I have been promised to receive my check expedited but no luck at all. To seems chime took my money and ignoring my request to get my money back, I hope you solve this issue as I got late fees on my car payment, car insurance and phone bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: NY

Complaint narrative:
XX/XX/2023, XXXX made a payment of {$200.00} to me through Cash App. When I went to cash out Cash App offered a debit card. I thought it would be nice to add to my business. I got the card, and went to check the availability. It says I have XXXX XXXX XXXX XXXX dollars. I checked my other bank account, and nothing was deposited. I checked the Cash App account, and it says XXXX made the payment, but it isn't in the account to use. No info on where it went. I tried reaching out to Cash App, but they don't have customer service. It's a bot that tells you it'll get someone, and I've been waiting for over 30 minutes. I tried getting the bots attention, but it isn't responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Upon receiving my billing statement from Barclay this month I notice that a past due fee of {$500.00} were charge on my account. I have been making payments on time every month of {$500.00} during the investigation not once was I late. Complaint number ID XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: FL

Complaint narrative:
On XXXX of 2023 I noticed on my credit report that there are inaccurate information reported such as credit card accounts opened in my name without my permission and inquiries.

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