vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
i have another report on XXXX- the company is over 7 years, i argued with them several times the department of law confirmed my case and sent me a letter for the company to remove the report off my credit report, they are still showing up under collections, i want this account removed immediately, i have contact a attorney if its not immediately removed will attach my letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: SC

Complaint narrative:
On XX/XX/2022 I notified XXXX that they were in direct violation of the FCRA. 
15 U.S. Code 1681b - Permissible purposes of consumer reports This law clearly states that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. 
I never provided XXXX with my written consent to furnish this information on my consumer report XXXX XXXX XXXX  XXXX. With that being said XXXX is committing fraud by furnishing my consumer report with this information. I demand that this information be removed immediately. 
Must I remind you pursuant to 15 U.S. Code 1681- Congressional findings and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2022-05-17 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: SC

Complaint narrative:
On XX/XX/2022 I notified XXXX that they were in direct violation of the FCRA. 
15 U.S. Code 1681b - Permissible purposes of consumer reports This law clearly states that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. 
I never provided XXXX with my written consent to furnish this information on my consumer report XXXX XXXX XXXX XXXXXXXX. With that being said XXXX is committing fraud by furnishing my consumer report with this information. I demand that this information be removed immediately. 
Must I remind you pursuant to 15 U.S. Code 1681- Congressional findings and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXr XXXX, XXXX XXXX  XXXXXXXX XXXX XXXXr XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX, Account Name XXXXXXXX XXXX XXXX  Account Number XXXX, Account Name XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX, Account Name XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX, Account Name XXXX XXXX XXXXXXXXXXXX XXXX Account Number XXXX, Account Name XXXX  Account Number XXXX, Account Name XXXXXXXX XXXX Account Number XXXX, Account Name XXXX XXXX XXXX XXXX Account Number XXXX, Account Name XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Account Name XXXX XXXX XXXX  Account Number XXXX, Account Name XXXX  Account Number XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: GA

Complaint narrative:
I was advised that there would be a soft pull promotional check on my report and I ended up with hard inquiries. 

XXXX XXXX XXXXXXXX XX/XX/XXXX. 
XXXXXXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX, XX/XX/XXXX. 
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 non-monetary relief
Consumer complaint received 2022-05-17 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 # XXXXXXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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 2022-05-17 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 # XXXXXXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX XXXX  XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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 2022-05-17 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 response to XXXX It has been over 30 days and XXXXXXXX XXXX XXXXXXXX XXXX has chosen not to take any steps towards addressing billing errors that are being reported at late payments from their company. My original complaint ( XXXX ) addresses the adverse action that XXXX XXXX had been taking against me. There are 3 inaccurate and false late payments furnished on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Pursuant to XXXX5 USC 1666b ( a ), A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. XXXX was also required to adopt reasonable procedures to insure my periodic statement was delivered to me no later than 21 days before the payment due date because I know I never received one. If XXXX can not confirm when a statement was sent and I can confirm that I never received one then the basis on which the account was marked late is erroneous. 

I was just denied an extension of credit because of these inaccurately furnished late payments by your company. I have never been late on this account. These inaccurately furnished late payments are an invasion of my right to privacy and is causing me severe stress and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: FORD MOTOR CREDIT CO.
State: MN

Complaint narrative:
I was incarcerated at the time of 7 credit cards opened up in my name n my car insurance fax ford credit two days after my car was smashed ( stolen ) n told them they were paying off the loan which they did n the white bear XXXX have fauld. Papers n keep my extensions warranty n said it was bad credit I lost {$17000.00} n the credit.cards on top of that n the {$2500.00} warranty n my father just passed away if cancer n u guys have my birthdate wrong n some of the XXXX spelling. What else do u guys want I please help me with this cause I dont. Have nothing beside a nice union job but XXXXm afffraid Ill loss it if they do credit check n then I have nothiimg to lisss thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
XX/XX/XXXX XXXX, I've received a email from Goldman Sachs stating I was denied for the XXXX  card by Marcus due to them being unable to verify my identity. I called Godman Sachs and the customer service representative wasn't able to help me verify my identity they kept telling me to apply again and after doing so I kept getting the same email with the same information. After reaching out again a customer service representative told me send a photo copy of my state identification card, so they can verify me in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: GA

Complaint narrative:
According to my Experian and XXXX reports, on or about XX/XX/XXXX - there was a credit card listed as XXXXXXXX XXXX, then it was sold to XXXX XXXX, both of whom I never heard of. XX/XX/XXXX - I submitted a police report to both bureaus when I found this information in my credit files. The information stayed on the report, regardless of countless phone calls to both merchants. I, then filed another dispute XX/XX/XXXX to all three credit bureaus and then I sent a letter to XXXX XXXX as well. This account was written off as a profit and loss account. This is not acceptable, nor is there any truth to me having such an account. 

In XXXX, I contacted XXXXXXXX XXXX, and they stated they didn't have an account with me, nor did they know who I was. I sent this information to the credit bureaus again ; however it has not been removed and it is hurting my credit score and history. I have impeccable credit - no lates, yet this {$120.00} continues to be a hassle on my credit report. The Report Number is XXXX and I am demanding they remove this item, effective immediately and they not ever post the lies and defamation to my account. 

Thanks in advance, 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 2022-05-17 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:
Account name : XXXX XXXX XXXX account type : credit card, Account name : XXXX XXXX, Account type : cell phone Account name : XXXX XXXX XXXX, Account type : credit card, Account name : XXXX XXXX XXXX  account type : collection, original creditor : XXXX account name : XXXX XXXX XXXX XXXX account type : collection, original creditor : XXXX Account name : XXXX XXXX, account type : collection Account name : XXXX XXXX XXXXXXXX, account type : collection Account name : XXXXXXXX XXXX XXXX, account type : collection n accordance with the Fair Credit Reporting act 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 2022-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FC HoldCo LLC
State: NV

Complaint narrative:
When I got my car loan I was told the interest rate would be 12 % along with the Veterans discount of {$1000.00}. I wasn't given discount and my interest payment ballooned to 29.99 %. I was told that I can drive the car home during the application " pre-approval '' phase. I was told that nothing with the deal would change. The Dealer told me that the car I got was all I was already qualified for at the lower rate of 12 %. The manager needed to call his friends in the bank who could make that happen. I drove that car around and sold my other car that night. I later got a call a few days later telling me that either I XXXX. Take the deal with the new terms XXXX. Reject the deal ( car I had was sold ) or XXXX. Return the car and have the dealership report it to the police as stolen. Now I am a XXXX Veteran ( 100 % VA rating ) and that terrified me. I had no other car and I took the deal without what I was told. The Dealer told me that I was lucky that it was mine now? How when my rate XXXX and I was given no Vet Discount. He laughed I even heard other Veterans talk about how they got treated the same. The finance company when I told them said that it was nothing that they can do. Then nearly every conversation I had with them was hostile. The reps were extremely aggressive telling me 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' Who says that? So I asked them to stop calling me and only email.

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 2022-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: AR

Complaint narrative:
I deposited a check in the amount of {$11000.00} on XX/XX/2022, the payment came from XXXX XXXX XXXX XXXX for the purpose of paying my rent. PennFed placed a freeze on my account and asked me to send documents to verify my identity. I never received a letter for this decision, I found this out after several calls. 

After submitting documents I've still been unsuccessful withdrawing my funds.

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 2022-05-17 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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account Number # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # 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 2022-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have been contacting this company since I pulled my credit report and notice this company was reporting a debt that I was not aware of. When I noticed it on my report I immediately reached out to the company to see what this account was and if it belongs to me. The only thing I received was a bill for {$460.00} telling me to pay. I'm not paying this bill unless this company can provide me the contract they have to show this is my debt and it belongs to me. I've never received a bill from this company until now when I noticed it on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Someone ordered a XXXX in my name and now convergent outsourcing is asking me to pay them about {$1500.00} for a XXXX  that isnt mines and I just want to get this matter settled I tried to dispute it several times but they wont close it theyre stuck on stickiness dead to me and its getting in the way of me doing things I need to do with my life and my credit

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 2022-05-17 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: CA

Complaint narrative:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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