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: GA

Complaint narrative:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX ACCOUNTS : -XXXXXXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX  XXXX XXXX -XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act US Dept ED Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Credit Account # 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 : 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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Prince Parker & Associates
State: MN

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX IL XXXX XXXX BANK 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 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 — Was not notified of investigation status or results
Company: EQUIFAX, 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 : 1.Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2 Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3.. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report 6.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account Account Number : XXXX Please remove it from my credit report. 
8. Validate Account Account Number : XXXX Please remove it from my credit report. 
9. Validate Account Account Number : XXXX Please remove it from my credit report. 
10. Validate Account XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

11.Validate Account Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC
State: NM

Complaint narrative:
Someone from XXXX XXXX XXXX came to our home and asked to do a evaluation of our bathroom and see if we qualified for a bathroom remodel. They gave us paperwork on a quote of what it would cost and asked us to sign it. Six months had elapsed when we received a call from GreenSky advising we had defaulted on our loan and it was now due in full {$20000.00}. We advised GreenSky that we had not received nor had we ever signed up for a loan with them. We never received any paperwork or any services from XXXX XXXX  XXXX  or GreenSky.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
XXXX XXXX  closed out my checking account because of an issue with a merchant I purchased computers for my business the merchant did not deliver or claimed the packages got lost so I then did a police report XXXX temporary credit my checking account I was bale to take the funds from the bank and went on to purchase my items with the funds after submitting the police report and all the substantial evidence XXXX XXXX  still ruled that my account was not to be permanently credited closed it out at a negative balance and then sent me to collections. I then applied for a XXXX XXXX XXXX XXXX account because now that my account is closed I need to do banking else where XXXX XXXX XXXXXXXX as sent NEGATIVE INFORMATION OF FRAUD to EARLY WARNING and until this is corrected they will not do business with me I have attached all the evidence after reaching out to EARLY WARNING they ruled to stand by XXXX XXXX and found no error. Please Help ME rectify this situation

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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. XXXX account # XXXX, XXXX XXXX XXXX account # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 : 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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: AZ

Complaint narrative:
Review attached evidence. Consumer Fraud and insurance fraud. Not mine. Delete from my Lexis Nexis XXXX XXXX report immediately.

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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account number # XXXX has violated my rights.

15 U.S.C 1681 section 602 A states that i have the right to privacy 15 U.S.C. 1681 section 602 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account number # XXXX has violated my rights.

15 U.S.C 1681 section 602 A states that i have the right to privacy 15 U.S.C. 1681 section 602 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I was on a forbearance program with Citizen Bank, which was supposed to end on XX/XX/2022. I requested a Loan Modification with them around XXXX time frame and was approved but there was a miscommunication or mistake in the payment starting date. The loan letter stated XX/XX/2022 as the repayment starting date but when I called up and ask them I was explicitly told to start XX/XX/2022. However, today ( XX/XX/2022 ) I received a call asking about the XXXX payment so I was confused and called them about it and spoke to their Loss & Mitigation and Collection departments on 4 separate occasions but nobody acknowledged the starting date as XX/XX/XXXX and insisted there is nothing they can do and wanted me to pay for the XXXX payment which I did not anticipate. I even asked to escalate the case to no avail. I was told if I don't pay for the XXXX month I will be charged a late fee and report to the credit bureau. This is absolutely outrageous as this was not the agreement. They have a recording of the conversation on the day I called up to accept the agreement which I brought up but was brushed aside. I felt I am hitting a brick wall and believed this to be a mistake on their end and now they are denying the responsibility! 

The date I called to accept the Loan Modification was XX/XX/2022 from XXXX XXXX  to XXXX XXXX. They have the recording as per their declaration. It should be retrieved for evidence of acceptance and payment start date prove. The number I called is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I purchased two items from XXXX using my AMEX credit card. One was to be delivered on XX/XX/2022, and the other to be delivered on XX/XX/2022. Both of these packages had signature confirmation, so I figured everything should be fine and USPS ( the carrier ) should get everything in order before handing the packages off. 

Both statuses were updated to " Delivered to Agent for Final Delivery '' which I had never seen before, but after looking it up, it's used for when someone else accepts your packages, i.e., apartment complex, business, etc. This was weird since I live in my house alone and nobody is accepting packages for me. I waited in case the delivery driver made a mistake, but I did not receive it at the end of the day. I reached out to my neighbors and my local post office to see if they were there and they weren't. 

I contacted my local post office to get a proof of delivery, since this package had signature confirmation and it was delivered to an " Agent, '' I figured I'd be able to find out who received my package. Instead, I found that the " Actual Recipient Name '' and Signature on the proof of delivery were not real at all. The names weren't even names and the signatures were just circles. I've attached both proof of delivery 's for these packages. 

When I contacted XXXX ( the merchant ), I was told that the tracking numbers showed as delivered, so I was out of luck. With this, I contacted AMEX since the merchant wasn't helping me to resolve the issue. I created the disputes and I thought everything should be fine. 

However, both the disputes were closed in the merchant 's favor with the merchant providing the same proof of delivery with the fake names and signatures. I brought this up to AMEX again and was told that I should contact the merchant instead. 

I'm trying to understand how the proof of delivery provided is being accepted as proof when the names are not even names and the signatures aren't real at all and USPS accepted those and handed the very high valued packages off to whoever received them.

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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACOOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, AND 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 : 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 — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against Citibank NA, Best Buy. Citibank NA, Best Buy is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that Citibank NA, Best Buy is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave Citibank NA, Best Buy any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2020 ( XX/XX/2020 ). If they are not removed, I will hold Citibank NA, Best Buy criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report are preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If Citibank NA, Best Buy can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiries that is being fraudulently furnished.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Good afternoon, I have mailed a payment to my finance company on XXXX and per the money order company it was cashed by my finance company on XXXX. The funds have yet to be posted to my account. My account is now over 60days past due and facing repossession. I am trying to avoid repo action. I have spoken with a supervisor; emailed proof of the money order as well forwarded an email from the money order company to the supervisor. The supervisor assured me that the request was made to research the issue, as well as other representatives have assured me the same thing since I have been calling in regard to this issue. My account has now endured fees, extra interest and my credit has been affected. Each time I have called I am told that my account is under review. It has been too long for no resolution. This is my third complaint with my finance company, and this should not be. If I am being treated of such how many other customers are in this same predicament? Some of the representatives have attempted to collect more of the past due balance by advising me that I owe one amount but in all actuality I owe less. They quote me an inaccurate past due amount. Attempting to collect on an amount that I do not owe. This stresses me even more. I am already taking several medications, and this does not 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 2022-06-14 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: CITIBANK, N.A.
State: LA

Complaint narrative:
I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXXCitibank XXXX XXXX XXXX XXXXCitibank XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXXCitibank XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that any information furnished to a consumer report must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXXCitibank XXXX XXXX any written consent to to report anything on my consumer report. NO CONSENT = IDENTITY THEFT! The following inquiry is being fraudulently furnished to my consumer report. I did not authorize, benefit from, nor consent to this inquiry and I demand for it to be removed from my consumer report immediately. XXXX. XX/XX/2021 ( XX/XX/2021 ). If this fraudulently furnished inquiry is not removed, I will hold XXXXCitibank NA criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative and fraudulent item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXXCitibank NA can not provide to me a copy of when I sent written permissible purpose to validate this inquiry, I demand it be removed in 4 days. Enclosed is the FTC Identity Theft Report which states the inquiry that is being fraudulently furnished.

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