vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 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, The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX acct # XXXX, has violated my rights. 
15 USC 1681 section 602 A states I have the rights 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 1681 ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Attached in the complaint is a copy of the debt validation I received from XXXX, which shows on my credit report as a ( charge off, charged off as bad debt ) which was sent to a collection agency and on XX/XX/2021 was settled which is the other document attached. The other document attached is from XXXX XXXX which shows the account was settled on XX/XX/2021. I have been trying to get XXXX to recognize this for over a year now and update my credit report accordingly. Now that time has past here is the evidence and the laws of the constitution that must be abided by. Now is not the time to update my file I want the account DELETED from my credit report in full.

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 2022-06-24 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, The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX acct # XXXX, has violated my rights. 
15 USC 1681 section 602 A states I have the rights 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 1681 ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Attached in the complaint is a copy of the debt validation I received from XXXX, which shows on my credit report as a ( charge off, charged off as bad debt ) which was sent to a collection agency and on XX/XX/2021 was settled which is the other document attached. The other document attached is from XXXX XXXX which shows the account was settled on XX/XX/2021. I have been trying to get XXXX to recognize this for over a year now and update my credit report accordingly. Now that time has past here is the evidence and the laws of the constitution that must be abided by. Now is not the time to update my file I want the account DELETED from my credit report in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: MS

Complaint narrative:
I was notified with a phone call from XXXX bank about a debt for a credit card for XXXX dollars on XX/XX/22 and I have never had a credit card from them I checked my credit report on XX/XX/22 and seen where they have reported me in collection for the money I told them that they gave the card to someone over the internet and it wasnt me my house at XXXX XXXX XXXX XXXX Mississippi XXXX was broken in a few years back and I have been having problems ever since with people opening accounts in my name they stole all my personal checks and information so they have my address and social security number and all and it seems like ever year I have to fight to keep my name and credit current

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 2022-06-24 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: CL Holdings LLC
State: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX account number XXXX XXXX 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 out furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
I was contacted during the Pandemic by Jefferson Capital Systems , LLC which said they purchased a credit card account I had with XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX had already inflated my credit amount ( by giving me incorrect balance amounts while on vacation and this card services allowed me to keep charging over the balance limited amount ) and the result was financially impossibility for me to settle. The XXXX card began to charge over the balance fees, late fees and some other charge fees. the balance was almost {$2000.00} over the limited. Then the Pandemic happened and I could not afford to pay the XXXX card. 

During the Pandemic Jefferson Capital System, LLC contacted me to create a agreeable settlement. I agreed to settle with a final 1 time payment of {$2100.00}. Purchased a bank check, after they drafted a letter which said the debt would be paid in full upon receipt of the proper check. See attached letter and proof from Jefferson Capital Systems , LLC This collections has messed up my credit with XXXX and XXXX XXXX. I sold my auto which had expensive repairs and often inoperable. Now I can not qualify for a auto loan because of this false collections. Auto loan companies use XXXX and XXXX XXXX... I have either been declined or received very high interest offers. Can You help? XXXX does not show this collection and my score is much higher ( Good status ) but auto loan companies do not use XXXX as I have been told. What a racket hurting the general public and making are life worse. Again can you help this XXXX single women?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
This is about an unauthorized money transfer to an account in XXXX that occurred through Western Union. 
XXXX  # - XXXX Date and time : XX/XX/2022 XXXX ET Amount : {$980.00} Summary : Western Union sent money to an account in XXXX without my authorization and are not forthcoming with any information about the transfer. 

I have a user account with Western Union and have used their services to transfer money to my account or my father 's account in XXXX in the past. I have used my XXXX account in the past to send money through WU. 
On XX/XX/XXXX, WU did a transfer of {$980.00} to an account in XXXX I do not recognize and I had not authorized or initiated this transfer. It's definitely fraudulent and I need my money back. 
When I asked XXXX to give me information about this transfer and who initiated it they told me they would not tell me anything and would have to talk to the law enforcement about it. They would only respond to the police and not me. I spoke to police who said, WU should give me this information on request but they continue to decline. 
Western Union does not have correct security practices to avoid such an unauthorized transfer and they did not even send me a notification via email when someone ( fraudulent ) did initiate this transfer. They are not acting in my best interest and appear to be fraudulent themselves. 

I currently have a transaction dispute launched with my Bank XXXX which should take another 15 business days to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried multiple time to contact TransUnion to left the freeze on my credit report and have yet to receive anyone to help. I have put my trust hoping that this issue would be resolved but now Im very concerned and worried that I am a victim of fraud and if there is someone that can actually help me figure this out. This freeze on my credit has ultimately put me further and further in debt and has prevented me from any unemployment or financial help! Pls pls help me

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 2022-06-24 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:
1.XXXX account # XXXX I disputed the accuracy of this account and told them that it is incorrectly being reported as a charged off account with a balance due, further more asking them to provide proof by verifying the charge off and update the balance to {$0.00} or delete the negative payment status on this account. To this day they just keep saying it was verified without showing me proof. 

2. XXXX Account # XXXX I disputed this account stating : " I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.

Per the FCRA 611 ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2022-06-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/2022 was the date the incident had occurred. 
Im reporting a serious complaint against American Express, XXXX  XXXX XXXX, XXXX and XXXX XXXX  for discriminating to provide me with an extended amount of credi that i request based on the fact that they unlawfully obtain my personal information from public companies to make a decision to provide me with such service which totally goes against TILA and also 15 USC 1691 regulations. 
im making sure that no other consumer has to face this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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 Fair Credit Reporting act : 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 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 2022-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit System # XXXX ( XXXX XXXX XXXX, XXXX, GA XXXX XXXX The XXXX  XXXX Amount of XXXX. In Collection Ive advise the XXXX XXXX send copies the sign leased. Also send me proof of the Identification used. Never received any documentation or documents about the eviction notice or court order to evict. 
Because there was Identification of false record or ID theft fraud have been victim i

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
First my XXXX card balance was not being properly reported to Equifax. Then the XXXX card was completely removed from my Equifax report which took my score down XXXX points. It also tanked my credit usage. I contacted XXXX and Equifax and Neither could give me any guidance or explanation. I have paid my balance down to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: NC

Complaint narrative:
on XX/XX/22 I sent a letter for experian to investigate this account on my consumer report. they sent me a email telling me to check my account for dispute update and they stated account been VERIFIED. I never got a letter in the mail from them. I Sent another letter with tracking usps XXXX on XX/XX/22 asking them re-investigated and tell me The names and business addresses of each individual with whom you verified the information with. Also The date you contacted the individual furnisher of information and The method of communication you used to verify the information. Experian violated my rights more then twice. Under 15 usc 1681b i never gave written instruction to put this account on my consumer right.15 usc 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers RIGHT TO PRIVACY. Under 15 usc 1681 ( a ) ( D ) ( 2 ) ( a ) ( iiii ) Experian was not fair they did not contact me asking me if this debt was mines. This is Fraud i did not tell you to put this on my CONSUMER REPORT.

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 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Healthcare Finance Direct LLC.
State: TX

Complaint narrative:
My nephew asked to use my card in XX/XX/2021 to make a one time payment on his XXXX XXXXXXXX XXXX aligners. Apparently when a card is in the system it is setup on autopay and I was not aware of this. I contacted Healthcare Finance Direct with my nephew to ask them to remove my card information. They went on to say they can not remove my card without him adding a new one. He do not have a card to add, so they refused to remove mine. Per the rep I spoke with they could not remove his card without replacing one. They provided a email address of XXXX to request them to remove it. I receive a response from them and they say they can not remove it either. I want my card removed, I do not have an account with them and am not responsible for the payment. 

Name on account : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Telephone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: VA

Complaint narrative:
This company has had so many glitches since 2 months ago that does not allow me to remove this inaccurate unverifiable account from my report. I'm in the process on getting a home loan, and this is not helping me at all, verify the accuracy of this account if not remove it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  and Account # XXXX XXXX XXXX have 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 2022-06-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report

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