vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 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: AR

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts any inquires listed below be removed According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : Account Name XXXX XXXX and Account # XXXX, Account Name XXXX XXXX XXXX XXXX  XXXX XXXX and Account # XXXX, Account name XXXX XXXX XXXX XXXX  XXXX XXXX - and Account # XXXX, Account name XXXX XXXXXXXX and Account # XXXX, Account name XXXX Account number XXXX, Account name XXXX XXXX XXXX  Account # XXXX, Account name XXXX XXXX XXXX  Account number XXXX, Account name XXXX XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX XXXX Account number XXXX, Account name XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX  XXXX MI Account XXXX XXXX, Account name XXXX XXXX  Account # XXXX, Account name XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account name XXXX XXXX XXXX  Account # XXXX, Account name XXXX XXXX Account # 's XXXX, XXXX, and Account # XXXX, Account name XXXX XXXX XXXX  Account # 's XXXX, XXXX, & Account name XXXX  Account # XXXX, XXXX XXXX Account number XXXX XXXX. 
Inquires : EQUIFAX MORTGAGE SER and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GENTRY FINANCE CORPORATION
State: TX

Complaint narrative:
Account had been charged off and was closed in XX/XX/XXXX, original loan amount was {$200.00} and high balance was {$270.00}. Now, in or around XXXX or XXXX of XXXX, the balance changed suddenly from {$270.00} to {$570.00}. 
There has been no notice, no other updates from the company, or payment history since XXXX until this sudden increase in balance. 
This does not seem like a fair collection practice and has already been disputed with credit bureaus to no avail.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: LA

Complaint narrative:
In accordance with the fair credit reporting Act ( Enhanced Recovery Co L Acct # XXXX ) & ( XXXX XXXX  XXXX Acct # XXXX ) & ( XXXX XXXX XXXX Acct # XXXX ) & ( XXXX. XXXX, XXXX Acct # XXXX ) has violated my constitutional 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 account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: MT

Complaint narrative:
Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date opened XX/XX/2015 Balance {$0.00}.

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 non-monetary relief
Consumer complaint received 2022-08-16 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: EQUIFAX, INC.
State: MT

Complaint narrative:
Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date opened XX/XX/2015 Balance  {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: MT

Complaint narrative:
Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date opened XX/XX/2015 Balance {$0.00}.

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 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo owes me {$4800.00} due to allowing a fraudulent company withdraw money out of my account I never authorized it. It is fraudulent and therefore should be returned to my account ASAP. I have been fighting with them over these transactions for months the two data furnishers are XXXX XXXX XXXX that withdrew fraudulence XXXX and and Card Member services which withdrew XXXX from my account I am covered by the FDIC for any fraudulent activity taking place out of my account. I will be suing Wells Fargo if they do not return my money to my account up receipt of this fine. 

Thank you.

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 2022-08-16 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: TX

Complaint narrative:
I am writing this complaint to inform the CFPB that my rights have been violated by this consumer reporting agency. In a correspondence to Equifax, XXXX of XXXX, I requested proof of my consent regarding the sharing of the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX number XXXX Date open on credit file XX/XX/XXXX. XXXX. 
Another XXXX XXXX account XXXX with opened date XX/XX/XXXXXXXX XXXX XXXX Account number XXXX As of today, I have not yet received a any proof of my consent regarding the sharing of the above accounts. According to 15 U.S.C 6802- Obligation with respect to disclosure of personal information ( B ) the consumer is given the opportunity before the time of, that such information to be disclosed. to such third party. and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, in a correspondence to the consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: CA

Complaint narrative:
I, XXXX XXXX XXXX, personally authorize & sent this complaint for a second time. In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy, confidentiality, and accuracy under 15 USC 1681 : XXXX XXXX  XXXX Credit Card with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX XXXX  account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

15 U.S.C 1681 section 602 A. states I have the right to privacy, confidentiality, and accuracy.

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

15 U.S.C 1666B states A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

15 U.S.C. 1681a-2 ( A ) ( i ) states any report containing information solely as to transactions or experiences between the consumer and the person making the report are to be excluded from all consumer reports.

15 U.S.C 1681c. ( a ) ( 4-5 ) Section states no consumer reporting agency may make any consumer report containing any information regarding accounts placed for collection or charged off to profit and loss, and, 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 ) states 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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion removed 31 points from my credit score when XXXX reported an increase of XXXX dollars in my school loans in XXXX or XXXX of last year. This is a lie. That value XXXX is the original amount of my consolidated Federal Student Aid Loans in XXXX of XXXX. There are no other Federal Student Aid Loans. The 14 consolidated in XXXX of XXXX are the only Education Loans I have. The Republican Congress capped Federal Student Aid Loans at XXXX in XXXX forcing me to withdraw from my PhD program at XXXX XXXX. In resolving this issue I have learned my FSL consolidated loan is not being serviced by XXXX it is subcontracted out to XXXX ( XXXX ) the former XXXX  : This is what XXXX had to say : With respect to XXXX XXXX concerns regarding inaccurate credit reporting ; According to the national credit bureaus loans previously serviced by XXXX / XXXX  are no longer reflected on her current credit reports. 

This is a lie as TransUnion reports information on the FSL every month. I have had the same consolidated loan since XX/XX/XXXX. 

Who is committing fraud TransUnion, XXXX, XXXX or all three of you? 

Complete XXXX  response : " RE : XXXX To Whom it may concern : This is in response to complaint XXXX, which outlines XXXX XXXX XXXX XXXX concerns regarding her account. XXXX XXXX XXXX, XXXX. ( XXXX  ), previously serviced two Federal Consolidation Loan accounts for XXXX XXXX on behalf of XXXX. XXXX contracted with XXXX to maintain servicing and repayment activities on their student loans. The following outlines each loan ; XXXX : Serviced by XXXX from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX this loan was transferred to XXXX for servicing with an outstanding principal balance of {$110000.00}. This account is no longer reported by the national credit bureaus. XXXX : Serviced by XXXX from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX this loan was transferred to XXXX for servicing with an outstanding principal balance of {$81000.00}. This account is no longer reported by the national credit bureaus. With respect to XXXX XXXX concerns regarding inaccurate credit reporting ; According to the national credit bureaus loans previously serviced by XXXX / XXXX  are no longer reflected on her current credit reports. If XXXX XXXX believes there are inaccuracies on her report XXXX suggest she file a dispute directly with the credit bureau. Please let us know if there are any additional questions relating to this response, or if there is any additional information that XXXX can provide. Sincerely, XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-08-16 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, Equifax, XXXX, and XXXX have 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 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX has a medical bill from XXXX XXXX XXXX that shouldnt be on my report. It is illegal to share hospital records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the above accounts were shared without written permission and I am demanding they be removed from my credit report immediatly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX, XXXX, and Experian have 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 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX has a medical bill from XXXX XXXX XXXX that shouldnt be on my report. It is illegal to share hospital records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the above accounts were shared without written permission and I am demanding they be removed from my credit report immediatly

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 2022-08-16 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: AR

Complaint narrative:
{$72.00} Open balance XXXX XXXX XXXX Original creditor {$99.00} XXXX XXXX XXXX Original creditor {$1000.00} Open balance XXXX XXXX XXXX  XXXX Original creditor {$1200.00} Open balance XXXX XXXX XXXX Original creditor {$7000.00} XXXX XXXX XXXX XXXX XXXX Original creditor I do not agree with the outcome of these negative items on my credit report that I did not authorize, I am unaware and would like for these derogatory remarks be removed.

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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian has failed to complete the investigation with fdcpa regulations, there are currently disputed accounts still actively showing on my credit report, furthermore, the disputed accounts have been investigated longer than 30 days, no letter has been generated, none of the disputed account creditors have proffered up proof positive of any Information binding XXXX XXXX XXXX to the alleged debt, there are no signatures only personal information that was submitted electronically, additionally there was a police report given in XXXX regarding fraud. And the credit report was locked, since then I have disputed these alleged debts, the alleged creditors have been directly notified of the disputes, initially the disputes were put in XX/XX/XXXX, 30 days ended XX/XX/XXXX, those disputed items still remain on XXXX XXXX XXXX credit report even after being disputed. Experian has failed to comply with fdcpa, the alleged creditors have failed to provide any corresponding documentation that would constitute ownership of any debt by XXXX XXXX XXXX, Experian continues to ignore the law. In addition experian was sent identifying information about my current address ( XXXX XXXX XXXX XXXX, XXXX WI, XXXX ) my full name as stated on my driver 's license and birth certificate ( XXXX XXXX XXXX ) yet experian continues to place incorrect information on my credit file, they updated my address to the home of my brother in Oregon, wisconsin, and have an address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ), where I done reside nor ever resided my eldest sibling lives there and has lived there for over 15 years, experian continues to fraudulently place items in my report and disregard the documents provided to validate my claims. I would like for them to be sanctioned for constantly and consistent misappropriation of my true Information. I have provided all legal documents to substantiate all of my claims, nobody is holding experian accountable for falsely representing my credit profile, it has caused financial hardship, and monetary loss. I view, based on my perception, it to be deliberate in nature.

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