vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-30 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: GA

Complaint narrative:
I've sent emails and called all XXXX credit bureaus, also the creditors that I did not authorize these inquiries nor did I sign for them. 

Per consumer law 15 USC 1681c-2 : Block of information has been violated

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 2022-04-30 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: TX

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, has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C 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 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-30 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C 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 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am having people hack into my accounts changing passwords and forcing me to use the cell phone or telephone to do all my banking. XXXX  XXXX is blocking my online access, XXXX  XXXX  has had passwords changed, and so has Discover. 

I believe my Internet was hacked at my apartment Uncommon XXXX  in XXXX Alabama, I believe its possible that the real estate trust that owns the apartment complex is using it as a data farm and is engaging in illegal activity as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Collection Agencies showing up on my Credit report, and I have no Account open with them.

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 2022-04-30 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, has violated my rights. 15 USC 1681 Section 602 States I have 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 instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Capio Partners, LLC
State: SC

Complaint narrative:
Collection Agencies showing up on my Credit report, and I keep disputing them because I never had any business dealing with the Collection Agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so I'm asking for your assistance. Thanks again

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 2022-04-30 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Account XXXX XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX  XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX  XXXX XXXX Georgia XXXX # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights and XXXXXXXX XXXX XXXX XXXX XXXX Acct # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30 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 XXXX  XXXX Account XXXX XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX  XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX  XXXX XXXX XXXX  XXXX # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights and XXXX. XXXX XXXX XXXX XXXX Acct # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received two cards in the mail from Truist saying I declined overdraft coverage and I called them to try to explain to them I did not open two accounts with them. They kept asking for my social security number and I refused to give it to them. The cards came from XXXX, NC and she said she was in the XXXX. I did not open accounts with them and I dont even know what Truist is. I dont know what to do.

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 2022-04-30 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: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and an FTC report just like the bureau requested and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In according with the Fair Credit Reporting Act XXXX XXXX Account 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 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 2022-04-30 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a loan under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: Convergent Resources, Inc.
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2022-04-30 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: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  {$550.00} XX/XX/2022 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 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 2022-04-30 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: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and an FTC report just like the bureau requested and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.

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 2022-04-30 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax and XXXX have made getting a free, online credit report more difficult in recent years. After entering all required information to receive my report, I invariably get a message that I must contact customer service for my report. However, I can contact them only during limited weekday hours, and my calls seldom get through after long wait times. XXXX all but compels consumers to ask for paper copies of credit reports, because they no longer allow me to receive and download digital copies. Getting my free credit reports from these two agencies was not a problem prior to 2018, but they now require consumers to jump through multiple hoops to get what was previously easy to obtain. Enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: DC

Complaint narrative:
I've contacted the three credit bureaus between XX/XX/2022 to present date in response to their reporting tactics and my reporting issues had not been resolved. Inaccurate late payments and and a charge off on my accounts with the three credit bureaus have been address to the credit agencies, but no action has taken place to correct the issue. Ive also taken several steps to reach out to the company reporting the information to the credit bureaus and have not gotten any response.

15 U.S.C. 1681 section 602 A states I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
15 USC 1681 Section 602 States 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 instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card XXXX account under an open end consumer credit plan as late for XXXX and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HW Holding, Inc
State: MI

Complaint narrative:
on XX/XX/2021 i sent out a response to a " debt collection '' team at the time i had not known that my information was illegally obtained by this account name hunter warfield and account number XXXX. also i submitted a report and the courts and credit bureaus stated this case was properly investigated. i sent a cease and diciss letter out and was notified this wouldn't effect my credit because i had paid what was asked when i was supposed to. also the open and close dates fpr these accounts are inaccurate and the date last reported is not accurate. This is ground for removal. they also violated my rights on numerous accounts under the law of 15 U.S.C1681 section 604 A, 15 U.S.C 1681q, and also 15 U.S.C 1692, The bureaus also violated 15 USC 1681 section 623 ( 9 ) ( b ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and an FTC report just like the bureau requested and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.

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 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In according with the Fair Credit Reporting Act XXXX XXXX Account 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 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 2022-04-30 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: TX

Complaint narrative:
In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last actives inaccurate, and date last reported is not accurate.this is ground for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy.

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

XXXX Account 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 2022-04-30 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 Credit Reporting Act Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last actives inaccurate, and date last reported is not accurate.this is ground for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy.

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

XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
The mortgage company disallowed me from making my mortgage payment using the online web page. MID AMERICA MORTGAGE forced me to submit a cashier 's check, which I did, but took almost a month to process the payment which resulted in a negative mark on my credit report. All due to the processing of the check which was out of my control.

Company response to consumer: Closed with explanation