vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX have violated my consumer rights. 

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11 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 am concerned about the validity and accuracy of your recent investigation of the accounts reporting on my consumer report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Three months ago, I requested an investigation because these items are not being reported accurately. I received communication stating that your investigation was complete. As per 15 U.S.C 1681i ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information. This would include but not limited to : 1. The name of the agent you spoke with to confirm the accuracy of what you are reporting as well as the name of your agent that spoke with said party. 
2. The time and date on which the communication took place. 
3. All if any certified documents reviewed to conclude your investigation. 
4. A complete copy of all of the information transmitted to the data furnisher as part of the investigation. 
5. Proof of your timely procurement of certified documents.

6. Copies of all correspondence including any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the accounts in question. 

In accordance to 15 U.S.C.1681i ( 7 ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

A template response will not be acceptable. Take note, these erroneous entries have been detrimental to my overall credit rating and have caused me severe financial and emotional distress.

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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX : XX/XX/1989 Last 4 of social : XXXX To whom it may concern, There is an ID Fraud Alert listed on my credit file, it was placed on my file on XXXX as of XXXX I no longer need this fraud alert or Extended Alert listed on my file, I have attached a notarized copy of my address. 

Thank You, 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 explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX : XX/XX/1989 Last 4 of social : XXXX To whom it may concern, There is an ID Fraud Alert listed on my credit file, it was placed on my file on XXXX as of XXXX I no longer need this fraud alert or Extended Alert listed on my file, I have attached a notarized copy of my address. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
I am reaching out in regards to my my payment history. I would like to update it with late payments removed. The reason being is because these reports on my consumer report are causing me extreme stress. I am stressed because its not supposed to be there also making it hard for me to network. I seriously dont appreciate this. This is literally causing me hardship, these illegal practices being done! Late payments are literally illegal, Billing Error 15 U.S code 1666b. I would like to demand these be removed. Please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am reaching out in regards to my my payment history. I would like to update it with late payments removed. The reason being is because these reports on my consumer report are causing me extreme stress. I am stressed because its not supposed to be there also making it hard for me to network. I seriously dont appreciate this. This is literally causing me hardship, these illegal practices being done! Late payments are literally illegal, Billing Error 15 U.S code 1666b. I would like to demand these be removed. Please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: MO

Complaint narrative:
Chime is holding my tax refund without proper reason doing so. Ive sent everything they asked me and even when I did that they asked me to send them something only they could see after putting my account on hold. Its been way to long for them to try and do so and Ive been with them since the company opened. Chime is taking advantage of their customers and needs to be stopped. They asked me about a XXXX XXXX product and Ive gave them everything about XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX account name : XXXX has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : its also states a consumer reporting agency CAN NOT furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX have violated my consumer rights. 

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX have violated my consumer rights. 

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

15 U.S.C. 1681 Sections 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 2022-09-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692, EQUIFAX, has violated my rights. 

Under the civil liability and the remedy available to me ( Section 616 & 617 ), EQUIFAX, failed to comply with Federal Law and because according to the FCRA consumer law which I should be compensated {$1000.00} per violation in accordance to FCRA as follows : 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated. 
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 which was violated. I havent given these accounts written permission to furnish these accounts on my credit report as well!

15 U.S.C. 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 which was violated. 

Additionally, EQUIFAX initially investigated and reviewed my FTC report and DELETED the inquiries for XXXX  inquiries and violated and failed to comply with FCRA consumer law by RE-INSERTING the inquiries back to my report ( see attached documented proof of FTC and EQUIFAXS own written document deleting inquiries from EQUIFAX CONFIRMATION # XXXX!!!! ), a month later!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: TX

Complaint narrative:
Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine XXXX XXXX XXXX  account XXXX and XXXX XXXX XXXX account number XXXX. 15 U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts on 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 2022-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
In response to my complaint, the documents attached by collection agency ( Reference number : XXXX of identification number XXXX of Portfolio Collection service- the document submitted for validation did not describe the details about specific products or services they claim that I purchased. The claim of cash withdrawal in this new document is not submitted with proper identification on what day and what place this transaction was done? 

In earlier validation the document submitted, this claim of cash withdrawal was not reported when I requested for full validation of the claimed debt. Furthermore, there is no direct communication from the original creditor regarding the charges claimed by the collection agency. The fraud complaint form from the collection agency can only be used after through validation is completed establishing about the claim by Portfolio.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery has called me non stop back to back from several phone numbers and cities. Ive called them in XXXX to see if the debt for XXXX XXXX could be settled and they said its nothing they could do. Ive been unemployed since 2015 I have a son with special needs and have been trying to catch up on bills that are affecting my credit and ruining my chances of getting on my feet. My family has been helping me and was going to help me settle with them to stop the excessive calls. They were not willing to settle and now Im being sued and have to go to court. I was Served earlier this week and the calls have yet to stop. Can you please help me from being continuously harassed by multiple phone calls and their lack of professionalism.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11 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: VA

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 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 with 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 2022-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance to the fair credit reporting act, XXXX XXXX XXXX ( account XXXX ) has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 
My Experian account decreased XXXX points in relation to this collection report. I have never received written notice from XXXX XXXX XXXX or any other communications stating that I owe them a debt. This cheated me of the opportunity to address the matter before it adversely affected my credit score.

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 2022-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My debit card was stolen and I contacted Capital One Bank immediately at the time I realized my debit card was missing. I have only ever had a debit card stolen less than a handful of times. I spoke to the representative on the phone and clarified that the charges in question were fraudulent charges. I noticed during the phone call initially that the representative may have misunderstood and submitted the transactions as a dispute rather than marked them as fraudulent. I am the only one authorized to use my debit card, and nobody else is. The charges in question were for a {$110.00}, and {$300.00} for a total of {$420.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
I am involved in an relationship with a man who worked on the XXXX XXXX in XXXX XXXX North Carolina, he helped me to secure an job there as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since being introduced to him, the Private organization special operations team on XXXX XXXX, they have send my personal profile to Washington DC headquarters and told me to buy XXXX through local crypto currency machine in my local neighborhood. I had agreed to work with them in sending phones to the XXXX XXXX in XXXX XXXX North Carolina and they agreed to cover the cost of insurance and any charges on the XXXX XXXX XXXX account. This is been not rectified, since XX/XX/2021, I have several emails from this private agency in correspondence to this incident and when I reported them to the FTC the first time. They blocked their email address and nobody from the XXXX XXXX installation in XXXX XXXX has called me to rectify or clear this huge debt collection the current amount in debt collection is {$6800.00}. I was told that there is an XXXX in my name which I haven't yet been able to receive either. I paid for this vehicle to get registered in my name, this amount of XXXX payments was {$1000.00}. I believe the person behind this is false impersonating Federal government agency, using the FBI as they're way of getting through to 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 2022-09-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting account XXXX # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX BANK account 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 2022-09-11 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting account XXXX # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX BANK account 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 2022-09-11 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting account XXXX # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX BANK account 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 2022-09-11 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My American Express Everyday card was stolen and I contacted American Express immediately at the time I realized my credit card was missing. I spoke to the representative on the phone and clarified that the charges in question were fraudulent charges and stated that all of the charges in question were NOT authorized by me, the cardholder. I had received a text message regarding a fraudulent charge and being in the middle of a business call incorrectly typed in the number to determine that an attempted charge was indeed fraudulent. I am the only one authorized to use my credit card, I did not authorize the {$480.00} charge, and nobody else is authorized to use my credit card. The charge in question was for a total of at least {$480.00} on XX/XX/XXXX. It has been over a month and saw that American Express reversed the credit for the fraudulent charges in question. 
Screenshots documenting the time frame of when I responded to the alert text message, and tried to correct my initial response ( selecting option 2 ) after realizing the message will be included.

Company response to consumer: Closed with monetary relief