vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 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: NJ

Complaint narrative:
In accordance to the Fair Credit Reporting act. The list of accounts below has violated privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX acct XXXX XXXX XXXX  XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX  XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX 15 USC 1681 Section 602 ( A ) States I have right to privacy. It also states the consumer reporting agencies can not furnish an account without my written consent. In section 604 section 2 15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: NJ

Complaint narrative:
In accordance to the Fair Credit Reporting act. The list of accounts below has violated privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX  XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX 15 USC 1681 Section 602 ( A ) States I have right to privacy. It also states the consumer reporting agencies can not furnish an account without my written consent. In section 604 section 2 15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 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: Army and Air Force Exchange Service
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Military Star has violated my rights.

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

15 USC 1681 Section 604 Part 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 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 explanation
Consumer complaint received 2022-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate personal information and negative accounts on my credit report. To this day over 60 days later I have not received a response yet. I sent letters to all XXXX bureaus, I am being wrongfully accused of these delinquent, charged off accounts. This represents myself as an irresponsible individual. I'm being taken advantage of and being ignored of my disputes, which is costing me my life. No apartment is willing to accept my application, no mortgage lender will provide me home loans. I am XXXX!!! 


Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 


In accordance with the Fair Credit Reporting act. XXXX, TransUnion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. These addresses do not belong on my credit report nor do these negative, delinquent, charge-off accounts.

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 2022-04-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate personal information and negative accounts on my credit report. To this day over 60 days later I have not received a response yet. I sent letters to all 3 bureaus, I am being wrongfully accused of these delinquent, charged off accounts. This represents myself as an irresponsible individual. I'm being taken advantage of and being ignored of my disputes, which is costing me my life. No apartment is willing to accept my application, no mortgage lender will provide me home loans. I am STUCK!!! 


Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 


In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. These addresses do not belong on my credit report nor do these negative, delinquent, charge-off accounts.

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 2022-04-29 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: DE

Complaint narrative:
XXXX is reporting incorrect and inaccurate information on my consumer report. I did not give the permission to do so as required by the FCRA. I am a dictum of Identity theft and I want XXXX to stop exploiting my consumer report for their gain.

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 2022-04-29 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: DE

Complaint narrative:
XXXX is reporting incorrect and inaccurate information on my consumer report. I did not give the permission to do so as required by the FCRA. I am a dictum of Identity theft and I want XXXX to stop exploiting my consumer report for their gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Army and Air Force Exchange Service
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Military Star has violated my rights. 

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

15 USC 1681 Section 604 Part 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 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 explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Experian, XXXX, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

These addresses do not belong on my credit report. 

XXXX CT XXXX, MD XXXX My name on the report was spelled XXXX XXXX. which is incorrect, please remove 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 2022-04-29 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: I.C. System, Inc.
State: TX

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 a account without my written instructions. 

15 usc 1666b : 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 explanation
Consumer complaint received 2022-04-29 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: FL

Complaint narrative:
I have sent in my identity theft report several times to XXXX Equifax and XXXX asking them to block and remove these fraudulent accounts of XXXX XXXXXXXX XXXX XXXX- XXXX. XXXX and XXXX XXXX- XXXX. These is in violation with us code 1681c 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance of the Fair Credit reporting act. This list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 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 without my written 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency make any consumer report containing any following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXX and/or XXXX ) credit report XXXX My latest credit report shows Onemain Financial credit inquiry/inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX, Transunion, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my credit report. 

XXXX CT XXXX, MD XXXX My name on the report was spelled XXXX XXXX. which is incorrect, please remove 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 explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX, XXXX, and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my credit report. 

XXXX CT XXXX, MD XXXX My name on the report was spelled XXXX XXXX. which is incorrect, please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX, XXXX and/or XXXX ) credit report XXXX My latest credit report shows Jpmcb XXXX XXXX XXXX credit inquiry/inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act : ( XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX XXXXo ) Account # XXXX, ( XXXX XXXXr ) Account # XXXX, ( XXXX of XXXX XXXX ) Account # XXXX, ( XXXXXXXX XXXX XXXX  Account # XXXX, ( XXXXXXXX XXXXXXXX XXXX Account # XXXX, ( XXXX XXXXl ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( XXXX XXXX XXXX ) Account # XXXX, ( XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXXXXXX ) Account # XXXX, ( XXXX ) Account # XXXX, has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the rights 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 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act : ( XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( XXXX of XXXX XXXX ) Account # XXXX, ( XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, ( XXXX XXXX  ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX  ) Account # XXXX, ( XXXX XXXXXXXX  ) Account # XXXX, ( XXXX XXXXXXXX XXXX ) Account # XXXX, ( XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXX  ) Account XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the rights 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 2022-04-29 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: Bay Equity LLC
State: FL

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXX and/or XXXX ) credit report . My latest credit report shows XXXX XXXX XXXX credit inquiry/inquiries that I did not authorize.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXXXXXX and/or XXXX ) credit report XXXX My latest credit report shows XXXX XXXX XXXX credit inquiry/inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
Chex Systems Inc. ( ChexSystems ), a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act ( FCRA ), pursuant to 15 U.S. Code 1681a ( p ) and 15 U.S. Code 1681a ( x ), is reporting information about me without my consent. I did not authorize, consent, nor benefit from the information they report about me. Chex Systems Inc. violated my federally protected consumer rights. Pursuant to the FCRA, Chex Systems Inc. is not to report information about consumers unless Chex Systems Inc. has permissible purpose. Pursuant to 15 U.S. Code1681 Congress require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the FCRA. No information that Chex Systems Inc. reported about me benefit me, I authorize, met the needs of commerce, fair and equitable to me with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the FCRA. 

Chex Systems is on notice for its wrongdoing. Attached with this complaint are a Notice to Cease & Desist, consumer report listing several FCRA violations, along with additional documents.

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 2022-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I have unknown debt collection on my XXXX report, I was trying to dispute it, but the debt collection agency doesnt provide any details on the debt and I dont owe any debts to anyone. 
The debt collection agency still wants to pay debt and my credit score is went down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX  XXXX and/or XXXX ) credit report XXXX My latest credit report shows Army & Air Force Exchange Service credit inquiry/inquiries that I did not authorize.

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