vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 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: NM

Complaint narrative:
This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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

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 2022-10-10 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: NM

Complaint narrative:
This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXI XXXX XXXX XXXX, XXXX XXXX XXXX  : XXXX XXXX, XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXL : xxxxxx 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 GEORGIA : XXXX, XXXX XXXX XXXX GEORGIA : XXXX, XXXX XXXX XXXX GEORGIA : XXXX, XXXX XXXX XXXX GEORGIA : 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 15 U.S.C 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 by more than seven years.

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.

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 2022-10-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, XXXX XXXX : xxxxxx XXXX, XXXX. XXXXL, 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 GEORGIA : XXXX, XXXX XXXX XXXX GEORGIA : XXXX, XXXX XXXX XXXX GEORGIA : XXXX, XXXX XXXX XXXX GEORGIA : 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 15 U.S.C 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 by more than seven years. 

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.

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 2022-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
On or about XXXX XXXX, 2022 I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX LA. and financed the vehicle with Ally Financial. As part of the financing I purchased GAP warranty coverage from XXXX XXXX and the purchase was included in the financing contract. 
On or about XXXX XXXX I refinanced the vehicle with XXXX XXXX XXXX XXXX and as part of the loan offer I was required to purchase the GAP coverage that was offered by that lender. I did purchase their GAP coverage and provided XXXX XXXX with written confirmation of the cancellation of their GAP coverage with was countersigned by a XXXX  XXXX representative and was told I would receive a refund for Approximately {$770.00} and that a check would be mailed to me. After several weeks I contacted XXXX XXXX as I had not received anything and was told that the refund had been sent to Ally Financial and they would forward the money to me as I had paid the loan of at Ally. 
After not recieiving anything from Ally nor any communication I contacted their customer Service and was informed a refund would be issued to me but it would take as long as 70 days to process, I informed them that was not acceptable and was eventually connected with a supervisor who escalated my case to their " Executive Resolution Team ''. In late XXXX I was contacted by a representative from team and promised a resolution in days. On XXXX XXXX I was again contacted by that team member and told a check had been mailed to me on XX/XX/2022 and they now considered the matter resolved. 
After no check arriving within two weeks I again contacted Ally customer service and was told by the representative that they had no record of any payment being made to me.And they had no idea when I would receive a payment.

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 2022-10-10 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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, XXXX XXXX XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX Balance : {$82.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX ( Original Creditor : 07 XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX AXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2022-10-10 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: TX

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : 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 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX Balance : {$82.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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:
XXXX XXXX ( # XXXX ) {$1200.00} has violated my rights 15 USC 1681 Section 602 ( A ) states I have the right to privacy. 15 USC 1681 604 ( A ) Section 2 also states a consumer can not furnish my account without written instructions by me,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I received a text message starting with CHASE BANK ALERT, claiming that someone in another state was attempting to access my account. The link provided in the text requested loads of personal identifying information. I closed this account over a year ago so I am very certain the text and website are fraudulent. I am pasting what the text said below : CHASE BANK ALERT : We detected an unusual attempt at XXXX XXXX XXXX XXXX, AZ XXXX. If this was not you, use the secured link to verify your identity and secure your account : XXXX XXXX XXXXXXXX? Verify

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: NY

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.

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 2022-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
I disputed an old vehicle loan that was written off with XXXX multiple times letting them no the collection agency agreed to do a pay for deletion and they did not acknowledge the agreement after I payed the debt in full which is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
The hassle is all across the selections. Ive been on the phone with paypal today alone for 5 calls and theyve been giggling on the phone so i suspect employee tampering... 
I REPEATEDLY have added my new number only for it to vanish or be reoeatedly prompted by the site/app to add it. When i do, it takes, UNTIL needed for verification then suddenly its gone and it refuses the number when prompted for re-entering it manually. I get emails that my account was successfully unlocked, only to try logging in and gettig the above scenario, or some other endless round of security which i pass, but am still locked out. 
Same when i call. For WEEKS. 
I pass the security checks, AND AM TOLD ITS UNLOCKED only to Still be locked out. 
This evening, I finally gained access, only to find that my balance seems locked. It wont even let me use my balance for PRODUCTS AND SERVICES IN THEIR APP!! I CANT TRANSFER MONEY VIA **ANY** OF THEIR *MANY* TRANSFER OPTIONS AND CALLING CUSTOMER SERVICE IS JUST MORE PASSED SECURITY CHECKS, AND BEING TOLD ITS FIXED WHEN ITS NOT. 
The cs agents REFUSE to connect me to a supervisor and i wasnt even able to close the account. 
This clown TellS me " please hold while i write your check ''. 
As if the cs agents are actually in there writing out checks for remaining balances... 
Needless to say it didnt take long to realize he wasnt returning. Or was going to Drag it out till i got annoyed and gave up. 
I want my balance usable so i can empty it and let the account die. Im out of weeks/days/hours to sit on the phone getting the runaround from their staff who laugh it up and seem to continue to trigger new lockouts and fund freezes, unauthorized phone number changes and removals, etc. I DO NOT buy that ALL OF THIS NONSENSE IS SOME ENDLESS " GLITCH ''. PLEASE HELP!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10 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: MO

Complaint narrative:
In accordance with the fcra the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c.1681 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 # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX 15 usc 1681 section 602 ( a ) states I have a right to privacy.

15 usc 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish a account without your written instructions. 
15 usc 1681 ( c ) ( a ) ( 5 ) section states no consumer reporting agency shall make any consumer reporting containing any of the following items of information any other adverse item of information other than the records of convictions of crime which antedates the report by more than 7 years. 
15 usc 1681 c-2. ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or gas 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 explanation
Consumer complaint received 2022-10-10 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: MO

Complaint narrative:
In accordance with the fair credit report act, The list of Accounts below has violated My FEDERALLY PROTECTED CONSUMER RIGHTS!!!, To PRIVACY and CONFIDENTIALITY under 15 USC 1681. 

XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Has violated my rights 15 USC 1681 section 602a, 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 Consent or Instructions. 

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 if 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 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 2022-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Finance XX/XX/XXXX have all 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 : 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 explanation
Consumer complaint received 2022-10-10 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: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX have all 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation