vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX the below accounts has violated my rights : XXXX  - Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX XXXXXXXX XXXX  - Acct # XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Partial Acct # XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Partial Acct XXXX XXXX 15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have no idea whats going on. I never used my credit and its telling me that I got Mortgages it says I have loans grants all type of things that Ive never gave XXXX for Credit cards and more Im trying to freeze my account clean a fraud or something. Can you please help me before my name get dragged of the dirt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: MN

Complaint narrative:
I have no idea whats going on. I never used my credit and its telling me that I got Mortgages it says I have loans grants all type of things that Ive never gave XXXX for Credit cards and more Im trying to freeze my account clean a fraud or something. Can you please help me before my name get dragged of the dirt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXXXXXX 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 an account without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: VA

Complaint narrative:
The following company never proved their methods of verification through several stages of written credit disputes : -US BKPT CT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( this company then illegally sold my information to another credit company in the process of these letters being sent ) XXXX XXXX XXXX XXXX  -Attorney GeneralXXXX XXXX  -Dept of EdXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
An unauthorized person used my identity/information to try to obtain a credit card from Avant. I immediately saw the erroneous attempt and called Avant to request that they decline the credit card application on the basis of fraud. After being told to email " XXXX '' several times, I told the customer service rep that this simply wasn't good enough for someone to contact me in 5-7 business days and I wanted to be sure that the credit card application was declined or flagged as fraud. They allegedly flagged the application but I couldn't talk to the Fraud Dept or anyone else to get resolution beyond a customer service rep. I immediately emailed " XXXX '' with the information. I wasn't contacted so my husband filed a XXXX  Complaint ( since the criminal used his email address as part of the credit card application ). Only then did Avant reach out to me. They sent me a form to complete and send back, which contained all of my personal information like SSN, DOB, Driver 's License, proof of residency, but have not provided a secure email or file transfer option. I don't feel comfortable sending this into a general/unsecured email box or via fax or mail. They have not responded with a secure email option. Avant seems to be ripe for fraud since they don't do a " hard pull '' on financials of those applying and obviously, have an inept fraud department who is completely unresponsive unless you file a XXXX Report to deal with these targeted fraud issues!! I saw the fraud happening in real time and Avant was completely unprepared to handle the issue ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXXXXXX 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 an account without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXXXXXX 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 an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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 XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX I have no idea who these people are or who this company is I have done no business with them nor do they have a signature of my please remove these negative accounts off of my credit report immediately thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent, the below accounts has violated my rights : XXXX - Acct # XXXXXXXX XXXX XXXX  - Acct # XXXX XXXX XXXXXXXX XXXX  - Acct # XXXX XXXXXXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX - XXXX Acct # XXXX XXXX XXXXXXXX XXXX XXXX Acct # N/A XXXX XXXX  - XXXX Acct # XXXX XXXX XXXX XXXX  - XXXX Acct XXXX XXXX 15 U.S.C. 1681 Section 602A, states I have the right to privacy. 
15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent, the below accounts has violated my rights : XXXX - Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXXXXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX  - Partial Acct # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  - XXXX Acct XXXX XXXX 15 U.S.C. 1681 Section 602A, states I have the right to privacy. 
15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent, the below accounts have violated my rights : XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX  - Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX 15 U.S.C. 1681 section 602 A, states I have the right to privacy. 
15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01 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: NY

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  Account # XXXX has violated my rights XXXX Account XXXX XXXX has violated my rights Equifax Account XXXX XXXXhas violated my rights XXXX ) XXXX  Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights Equifax Account # XXXX has violated my rights XXXX ) XXXX Account # XXXX has violated my rights XXXX Account # XXXXhas violated my rights Equifax Account XXXX XXXXhas violated my rights XXXX ) XXXX  Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights Equifax 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 15 U.S. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: NY

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 ) Experian Account # XXXX has violated my rights XXXX Account XXXX XXXX has violated my rights XXXX Account XXXX XXXXhas violated my rights XXXX ) Experian Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX ) Experian Account # XXXX has violated my rights XXXX Account # XXXXhas violated my rights XXXX Account XXXX XXXXhas violated my rights XXXX ) Experian Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A XXXX 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. 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 explanation
Consumer complaint received 2022-05-01 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXXXXXX 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 an account without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01 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: IL

Complaint narrative:
In accordance with the fair credit reporting act convergent account # XXXXXXXX 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 an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # 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 an account without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, the below accounts have violated my rights : XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXXXXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX 15 U.S.C. 1681 section 602 A, states I have the right to privacy. 
15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent, the below accounts have violated my rights : XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX - Acct # XXXXXXXX XXXX - Acct XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX 15 U.S.C. 1681 section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I requested a copy of my consumer credit report for Transunion. I also requested a copy of my consumer credit file. I was not able to download a copy of my consumer credit file. So I am sending this complaint so I can get a copy of my consumer credit file as well as a copy of 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 2022-05-01 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # 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 an account without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
To consumer Financial Protection Bureau XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX, VA XXXX And PRA Group Inc,XXXX XXXXXXXX XXXX, XXXX XXXX VA XXXX Dont want to understand, that account, account number XXXX not mines, I denied account Portfolio Recovery Associates , LLC, on an error They have continues sending letters and letters to my home without stop PRA Group IncXXXX XXXX XXXX, XXXX, VA XXXX has XXXX and to respond to my letter dated, see attached letter dated XXXX XXXX In return, retaliating and stalking, they mailed me the attached letter date XXXX As advise by Federal Trade Commission ID Theft Account XXXX not be any longer on my credit file and also to have account deleted from my credit file as advise by Federal Trade Commission Within 4 days as per at the receipt of this complaint Please find attached ID Theft report, dated XX/XX/XXXX And also to remove case from XXXX XXXX XXXX, case court number XXXX voluntarily within 15 days, after the filling on this complaint to Consumer Financial Credit Bureau Im requesting Immediately action , this matter is affecting me the ability to obtain credit and harming my credit file Portfolio Recovery Associates , LLC is obligated to provide me with a signed contract with my signature, they have never provide me with the document, Portfolio Recovery Associates continues and continues ignoring my letters and stalking me without stop Im attaching documents, ID Theft Report, FCRA 605B ( 15 U.S.C. 1681c-2 ), document, My letter dated XXXX XXXX, and Portfolio Recovery Associates LLC , letter dated XX/XX/XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # 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 an account without my written consent.

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