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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, 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

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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, 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

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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions. this account was reported XX/XX/2022 in the amount of {$380.00}. In addition XXXX XXXX XXXX  XXXX account # XXXX has also violated my rights in accordance with the FCRA 15 U.S.C 1681 section 602 A and 15 U.S.C section 604 A section 2 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( 3 yrs, 9 mos ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( 1 yrs, 6 mos ), XXXX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX0 ( 1 yrs, 5 mos ) 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 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been fighting with the bureaus to remove inaccurate information from my credit report which is hurting my credit and stopping me from being a first-time homeowner. I have even highlighted the mistakes and still came back verified. Inaccurate information can not be verified if it is wrong. I am challenging the credit bureaus with factual information. Please help me to resolve injustice treatment from the credit bureaus whose only job is to keep you with bad items on your report so they can make money. I did not give anyone permission to share or sell my information but the bureaus do it anyway. My next step is a discrimination lawsuit again theses bureaus that are holding my credit and the ability to live a better life in their hands. 

Please help me resolve this matter and make sure that this matter is resolved as soon as possible.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been fighting with the bureaus to remove inaccurate information from my credit report which is hurting my credit and stopping me from being a first-time homeowner. I have even highlighted the mistakes and still came back verified. Inaccurate information can not be verified if it is wrong. I am challenging the credit bureaus with factual information. Please help me to resolve injustice treatment from the credit bureaus whose only job is to keep you with bad items on your report so they can make money. I did not give anyone permission to share or sell my information but the bureaus do it anyway. My next step is a discrimination lawsuit again theses bureaus that are holding my credit and the ability to live a better life in their hands. 

Please help me resolve this matter and make sure that this matter is resolved as soon as possible.

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: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Hi I am having trouble with Wells Fargo. First they denied me help when the US Gov was helping people with underwater homes Wells Fargo NO you do not qualify all this started in XXXX and through all these years I used all my 401 K to keep our home and XXXX XXXX XXXX had programs for underwater homes and XXXX they had the XXXX XXXX that was going on XXXX XXXX said yes and Well Fargo said no I been denied help several time and when they helped me they always sunk me further in DEBT they always added more to the loan that put me in more trouble. The latest is I was in a mod program made my payments and done what they said and I never got the paperwork to sign and then they sent me letters to have a short sale or foreclosure my choice. My choice was to stay in our home and not be homeless so I ask what was going on they said it was my Income which in XXXX I made more than I ever had made in my life. I ask the lady and she said my income was XXXX month for me and wife I told her that was wrong. I told her the paperwork on the mod was sent top me and a 3 days later they ask about paperwork and a week later they said they got it which I never sent anything in. I thing they XXXX anyone they can and that is why they have hundreds of Lawsuits. Thanks 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 2022-05-01 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: EQUIFAX, INC.
State: MN

Complaint narrative:
The following credit inquiry listed on my Equifax credit report is a fraudulent and unauthorized credit inquiry : XXXX XXXXXXXX XXXX, XXXX, XX/XX/2022. The credit inquiry is not my credit inquiry.

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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts " XXXX credit/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX, and all other hard inquiries that are not associated to any current or pre-existing accounts 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 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXXXXXX 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 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 2022-05-01 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: GA

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

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MI

Complaint narrative:
A dispute has already been filed. On my cfpb report i listed the issue of LexisNexis not removing an error. A customer service rep named XXXX sent me an email outside of the cfpb complaint. I gave no permission to email me directly. You're reporting inaccurate information my report on an acct with XXXX XXXX. They notified me that you didn't submit a dispute with them. How did the dispute come back verified if you did an actual investigation. Stop using eoscar and do a proper investigation. This is defamation of character and you're required to report accurate information on my file. You're breaking the law.

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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos )XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) 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 2022-05-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ), XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) 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 2022-05-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered unlawful unapproved accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've forgotten to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you provide. Credit reporting rules require organizations to provide only accurate credit data. Each step should be taken to ensure that the data given is completely accurate and correct. The following data should be explored in this manner. After carefully downloading my credit report from your service, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these things or false information since my personal information was compromised by the Equifax data breach and may have ended up in the wrong hands. You are filing reports recklessly and incorrectly, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain a counsel to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the company for violations, stress, and menstrual agony on behalf of at least 1 % of the corporation, according to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
PayPal has refused to address the unauthorized charges on my account. They are clear fraud and Ive tried submitting a case, which they closed. I reached out to their customer service and they pretty much told me oh well. I have never once lived in CA nor have I shipped anything there. I live in NJ and the charges are clear fraud. PayPal is refusing to do anything about it.

Company response to consumer: Closed with 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The XXXX bankruptcy that has been listed on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX Indiana XXXX Bankruptcy Court filed on XX/XX/2015 under XXXX XXXX XXXX ... Ref # XXXX ( XXXX, XXXX, Transunion, XXXX have all violated my rights ) 15 U.S.C. 1681 section 602A States that I have the right to privacy.

15 U.S.C. 1681 Section 604A Section2 : 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- ( A ) ( 1 ) 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 that the information is inaccurate.

15 U.S.C. 1681b : states permissible purposes of consumer reports

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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The XXXX bankruptcy that has been listed on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX  XXXX XXXX Indiana XXXX Bankruptcy Court filed on XX/XX/2015 under XXXX XXXX XXXX ... Ref # XXXX ( Experian, XXXX, XXXX, XXXX have all violated my rights ) 15 U.S.C. 1681 section 602A States that I have the right to privacy.

15 U.S.C. 1681 Section 604A Section2 : 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- ( A ) ( 1 ) 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 that the information is inaccurate.

15 U.S.C. 1681b : states permissible purposes of consumer reports

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 card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Covid-19 caused late payment, bank was notified still reported late payment

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 XXXX  account # XXXX has violated my rights. 

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 an account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under a 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 explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: INTERNATIONAL BANCSHARES CORPORATION
State: TX

Complaint narrative:
XXXX XXXX caused late payment bank was notified and said it was okay still reported late payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: MS

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

In accordance with the fair credit reporting act, acct # XXXX OF XXXX XXXX, has violated my rights. 

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 account under a 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 2022-05-01 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: MS

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

In accordance with the fair credit reporting act, acct # XXXX OF XXXX XXXX, has violated my rights. 

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 account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation