vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 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:
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 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 2022-05-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX Co, ) 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 2022-05-18 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: CA

Complaint narrative:
on XXXX-2022 I sent letters to XXXX, XXXX, and TransUnion regarding inaccurate and unknown things that they are reporting on my credit report. 
I have yet to receive a response for the items that needs to be corrected. I feel like I have been reaching out forever about this situation and I feel that I am being taken advantage of also being ignored. Correcting this information is very important to me as it is hindering me from the Employment that I am seeking. XXXX, XXXX, and TransUnion are acting as if my needs aren't important to fix my disputes. 
Section 611 ( a ), plainly stated, a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. it has been over 45 days and still have not received a response with this information corrected. the items need to be deleted promptly.

I will file for litigation due to the stress that I am going through to get these items deleted from my report.

The Credit Bureaus have also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) Each bureau is supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). These account needs to be deleted for inaccuracies. I will attach a picture of the violations that are being reported.

How is it possible for each Credit Bureau report in payment history Ok and Past Due in the same month? Also have 3 different dates last active? this picture is full of violations, and they need to delete this account from my credit report because it isn't accurate here is Tracking numbers for XXXX XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for TransUnion XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for XXXX XXXX XXXX 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 2022-05-18 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX credit bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXXXXXX

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 2022-05-18 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX credit bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I believe that it was a mistake to close my Paypal account. I am using my Paypal account for XXXX business XXXX XXXX since XXXX XXXX. My Paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless. 

For identity verification, I attached my valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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:
I sent a supporting letter off on XXXX XXXX 2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is to share my information to a third party.

There are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, has violated my right. 

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. 


XXXXXXXX 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

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 2022-05-18 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: AL

Complaint narrative:
In accordance to the fair credit reporting act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Identification number XXXX Claim amount {$0.00} Date filed XX/XX/XXXX Status Chapter XXXX bankruptcy XXXX. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX in settlement. {$15000.00} written off. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$25000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$25000.00} written off. {$25000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX, XXXX. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States - I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code Subchapter III 1681 : ( 4 ) 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.

15 U.S. Code Subchapter III 1681b : ( 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. 15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code Subchapter III 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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 2022-05-18 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: AL

Complaint narrative:
In accordance to the fair credit reporting act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : US BKPT CT AL  XXXX Identification number XXXX Claim amount {$0.00} Date filed XX/XX/XXXX Status Chapter XXXX bankruptcy XXXX. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX in settlement. {$15000.00} written off. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX .... 
Recent balance {$25000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$25000.00} written off. {$25000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX, XXXX. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States - I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code Subchapter III 1681 : ( 4 ) 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.

15 U.S. Code Subchapter III 1681b : ( 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. 15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code Subchapter III 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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 2022-05-18 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: CT

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$0.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$910.00} ), XXXX XXXX XXXX ( Opened Sep. XXXX, XXXX, Balance {$450.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-18 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 and Reporting Act, XXXX  Accounts : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX. 
XXXX XXXX XXXX, Account # XXXX, have violated my rights 15 USC 1681 section 602 A, states that i have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written insctruction.

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 2022-05-18 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: TN

Complaint narrative:
In accordance with the Fair Credit and Reporting Act, XXXX  Accounts : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX. 
XXXX XXXX XXXX, Account # XXXX, have violated my rights 15 USC 1681 section 602 A, states that i have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written insctruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was taken advantage of due to mail-practice while several laws were being broke under the FCRA by your company. This has caused me financial injury, deformation of my character, finding employment, I cant apply for credit, I cant apply for a car, I cant apply for a home, I cant apply for a SBA or Personal loan due to the pandemic under this crisis you have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation
State: CA

Complaint narrative:
I was hopeful, being the victim of fraud, that Albert would comply with the law and not hold me liable for the fraudulent charges since I reported on time and took the appropriate steps on my end. Unfortunately, it feels like the financial services company, is more interested in trying to find reasons in which to deny claims then they are into trying to assist their customers. Being that they're not a bank, but indeed a financial services company, makes their actions even more questionable. Im left feeling as though they're more interested in holding onto their own profits than doing whats right for their customers. But there are laws, there are rules and there are regulations for a reason. And occasionally, they get tested. 

Their careless handling of a minor claim, due to either their incompetence or greed, is not acceptable to me and I will not accept it. I'm incredibly frustrated with their lack of professionalism and the disrespectful way they managed my claim. It's such a waste of my time to have to do this. I understand mistakes are occasionally made ; but this was just unacceptable on so many levels. I would like to give you one final opportunity to reconsider my fraud claim. Im certain that if you do you will find my claims are in fact substantiated and that fraud did take place. Additionally, youll find that I properly reported it, disabled my card and attempted to reach out to you numerous times ; all in an attempt to prevent this and correct it before it got worse. However, I wasnt met with a reliable partner, I was left with silence and ignored while I tried to figure things out on my own.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: CA

Complaint narrative:
on XXXX I sent letters to XXXX, Equifax, and XXXX regarding inaccurate and unknown things that they are reporting on my credit report. 
I have yet to receive a response for the items that needs to be corrected. I feel like I have been reaching out forever about this situation and I feel that I am being taken advantage of also being ignored. Correcting this information is very important to me as it is hindering me from the Employment that I am seeking. XXXX, Equifax, and XXXX are acting as if my needs aren't important to fix my disputes. 
Section 611 ( a ), plainly stated, a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. it has been over 45 days and still have not received a response with this information corrected. the items need to be deleted promptly.

I will file for litigation due to the stress that I am going through to get these items deleted from my report.

The Credit Bureaus have also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) Each bureau is supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). These account needs to be deleted for inaccuracies. I will attach a picture of the violations that are being reported.

How is it possible for each Credit Bureau report in payment history Ok and Past Due in the same month? Also have 3 different dates last active? this picture is full of violations, and they need to delete this account from my credit report because it isn't accurate here is Tracking numbers for Equifax XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for XXXX XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 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: CA

Complaint narrative:
on XXXX I sent letters to Experian, XXXX, and XXXX regarding inaccurate and unknown things that they are reporting on my credit report. 
I have yet to receive a response for the items that needs to be corrected. I feel like I have been reaching out forever about this situation and I feel that I am being taken advantage of also being ignored. Correcting this information is very important to me as it is hindering me from the Employment that I am seeking. Experian, XXXX, and XXXX are acting as if my needs aren't important to fix my disputes. 
Section 611 ( a ), plainly stated, a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. it has been over 45 days and still have not received a response with this information corrected. the items need to be deleted promptly. 
I will file for litigation due to the stress that I am going through to get these items deleted from my report. 
The Credit Bureaus have also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) Each bureau is supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). These account needs to be deleted for inaccuracies. I will attach a picture of the violations that are being reported. 

How is it possible for each Credit Bureau report in payment history Ok and Past Due in the same month? Also have 3 different dates last active? this picture is full of violations, and they need to delete this account from my credit report because it isn't accurate here is Tracking numbers for XXXX XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for XXXX XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for Experian XXXX XXXX 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 explanation