vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 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: OH

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

In accordance with the Fair Credit Reporting act XXXX Account name XXXX account # XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX account # XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXXt Account name XXXX XXXX Account # XXXX XXXX accordance with the Fair Credit Reporting act XXXXXXXX Account name XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account name 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 2022-06-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX has placed a 30 DAte late on my credit report on XX/XX/XXXX on a account that was closed/sold in XX/XX/XXXX. I have been disputing this for approximately 3 months with no results only extension on behlf of XXXX XXXX. I have now spoken to 10 representtative of XXXX XXXX and nothing has been resolved. I have also place a complaint on thier Social Media page which caused some communication with an unknow n Representatvie of XXXX XXXX and still nothing has been done. 

My Lender is unable to approve me for a Loan because of the nagtive 30 day reporting in XXXX on a XXXX Closed Account. I have also missed out on 2 homes that my family and I loved dearly wchih would of been our forever home. I have spoken to 10 Reps., 2 of which i did not get their names.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: CA

Complaint narrative:
XXXX XXXX XXXX have been reporting to my credit as a collection on XXXX and Equifax the debt was paid and the company agreed to remove from my credit report. XXXX have no problem removing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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 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. 

XXXX XXXX XXXX. CO. 
XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-06-14 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: CA

Complaint narrative:
I've already filed a police report ; and let the agency know that this was identity theft ; yet I get the dispute dismissed almost immediately and it is still showing on my credit report. It is clear that Experian is auto-denying disputes as I can't reach anybody on the phone that will give me more information.

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 2022-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I MADE A COMPLAINT BY MISTAKE, XXXX, WAS A GOOD TRANSACTION I MADE ON XX/XX/22, I MADE THIS COMPLAINT BY MISTAKE, PLEASE CANCEL COMPLAINT, THANK YOU XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: KY

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In Accordance with the credit reporting act : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as violated my rights. 
15 U. S. C 1681 section 602 A. State that I have to write to privacy.

15 U. S. C. 1681 section 604A section 2 : It also state 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 2022-06-14 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: CA

Complaint narrative:
I've already filed a police report ; and let the agency know that this was identity theft ; yet I get the dispute dismissed almost immediately and it is still showing on my credit report. It is clear that XXXX is auto-denying disputes as I can't reach anybody on the phone that will give me more information.

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 2022-06-14 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: CA

Complaint narrative:
I've already filed a police report ; and let the agency know that this was identity theft ; yet I get the dispute dismissed almost immediately and it is still showing on my credit report. It is clear that XXXX is auto-denying disputes as I can't reach anybody on the phone that will give me more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
NATIONAL CREDIT ADJUSTERS have been reporting to my credit as a collection on XXXX and XXXX the debt was paid and the company agreed to remove from my credit report. XXXX have no problem removing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: CA

Complaint narrative:
XXXX XXXX XXXX have been reporting to my credit as a collection on Experian and XXXX the debt was paid and the company agreed to remove from my credit report. XXXX have no problem removing it.

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 2022-06-14 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: FL

Complaint narrative:
I recently verified my credit report to come to realization that multiple credit card attempts were made on my credit file I have not applied for majority of these credit card as soon as I realize that I made a police report/ complaint and I have also placed a credit freeze on my credit so that i can better monitor the situation I have provided a short list of companies that these attempts have been made thru and have directly impacted my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX : Account # XXXX, has violated my rights. This company continues to report a 30 day late payment to XXXX and Equifax from XXXX of 2015. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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. 

I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 



I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: AL

Complaint narrative:
Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX : Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX High Balance : {$1000.00} Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX High Balance : {$1000.00} Account Name : XXXX XXXX Account # : XXXX XXXX High Balance : {$720.00} Account Name : XXXX XXXX  Account # : XXXX XXXX High Balance : {$720.00} XXXX Account # : XXXX 15 U.S.C 1681 section 602 A States i have the right to privacy.

15. U.S.C 1681 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 2022-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
1st Disbursement XX/XX/XXXX XXXX XXXX parent plus loan variable rate XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. 4.61 % XXXX XX/XX/XXXX XXXX XXXX XXXX. 4.86 % XXXX XXXX. 4.61 % XXXX. XX/XX/XXXX XXXX XXXX XXXX. 8 % XXXX. XX/XX/XXXX XXXX consolidation loan XXXX balance XXXX XXXX original principal XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX all payments were made on time Navient has repeatedly ignored the moratorium and hurt my credit... further they phone me 2 times per day to demand paymen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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 report act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 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 2022-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
I applied for a discover student card approximately XX/XX/XXXX of XXXX. Being somewhat financially stable with a steady flow of income and being high school student in my senior year it seemed like a great card to apply for and I was ultimately approved. I received an email on XX/XX/2022 informing me that my discover card application was approved and that the card would be sent to me soon. I received the card on XX/XX/2022 and activated it the same day. Upon attempting to use my card later that same day, I found that it would decline on any transaction I tried to use it on. I had initially believed that it was still in the process of being activated so I didnt give it much thought and decided to try again another day. Upon attempting to use it again a day or so later, the card continued to decline. After dealing with the frustration, I gave Discover a call to try and find out the source of the issue. In my phone call I was informed that they were in the process of reviewing my information and they would inform me when my card was ready to use which I found odd because the emails I had received led me to believe that the card was already ready to be used. I was not informed of exactly what information they needed to verify nor would they disclose more information with me. I decided that I would wait for their notice that I can use the card and that was the only option, so I waited until I received a notice that my account had been closed on XX/XX/2022. The notice I had received informed me that they couldnt verify my personal information ( Which was seemingly not an issue before they opened the account and sent me the card as well as let me activate it online ) and that they would report that the account was closed by the creditor. This upset me quite a bit as I took a hit on my credit report. At the time of the account being closed I thought that was that and that nothing else could be done about it. After learning about this agency I decided to see if anything could be done to rectify this issue I have faced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: IL

Complaint narrative:
I submitted a complaint to the CFPB about Experian and the way they are reporting several accounts. XXXX XXXX opened XX/XX/2018 Account XXXX is not being reported properly but they verified the account instead of removing it. It has a status of Petition for Chapter XXXX Bankruptcy/Never late. There is no bankruptcy that was petition for Chapter XXXX and this status need to be removed and changed to Never late or removed for reporting incorrect information.

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 2022-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I got a promotional offer from Wells Fargo to open checking account. Once checking account has more than {$1000.00} direct deposit within first 60 or 90 days - I will be provided {$320.00} cash back bonus. I opened this account on XXXX XXXX XXXX. 
On XXXX XX/XX/2022, when i checked for this {$320.00} bonus, Customer service was unaware of it and opened a case. No response from WF till this point of time.

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 2022-06-14 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: AL

Complaint narrative:
Unauthorized inquirieXXXX 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 Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX High Balance : {$1000.00} Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX High Balance : {$1000.00} Account Name : XXXX XXXX Account # : XXXX XXXX High Balance : {$720.00} Account Name : XXXX XXXX Account # : XXXX XXXX High Balance : {$720.00} XXXX  Account # : XXXX 15 U.S.C 1681 section 602 A States i have the right to privacy.

15. U.S.C 1681 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 2022-06-14 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: AL

Complaint narrative:
Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX High Balance : {$1000.00} Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX High Balance : {$1000.00} Account Name : XXXX XXXX Account # : XXXX XXXX High Balance : {$720.00} Account Name : XXXX XXXX  Account # : XXXX XXXX High Balance : {$720.00} XXXX  Account # : XXXX 15 U.S.C 1681 section 602 A States i have the right to privacy.

15. U.S.C 1681 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 2022-06-14 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: AZ

Complaint narrative:
I have completed 2 rounds of disputes for this particular reporting with no action by XXXX. I am also requesting an investigation into the, third party reporter, Lexis Nexis as they are supplying this erroneous information to the bureau. It is their responsibility to make sure they are reporting correct information and they are not. I am disputing a dismissed XXXX  XXXX bankruptcy that is showing on my report only on XXXX. This reporting is attached to a case with a social security number that is not mine. I sent a letter certified with delivery confirmation to XXXX and they received it on XX/XX/2022. They responded to the dispute on XX/XX/2022 and stated that it has been confirmed via a third party reporter, Lexis Nexus, and made no deletion of this erroneous information. Please mandate XXXX and Lexis Nexis to stop reporting this erroneous information on my credit report. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation