vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I never communicated with XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/2022, XX/XX/2022 or XX/XX/2022, XXXX XXXX XXXX on XX/XX/2022 or XX/XX/2022, XXXX XXXX XXXX or XXXX XXXX on XX/XX/2022 ( violation of 15 USC 1028 and 15 USC 1029 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: IL

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

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

16 U.S.C 1681 section 604 A section 2 : 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 2022-06-13 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: FL

Complaint narrative:
I was at the car dealership and Found out that a lot hard inquiries that I didn't recognized nor did I authorize 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 XX/XX/XXXX XXXX. XXXX - XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX. XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXXXX/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 2022-06-13 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: Westlake Services, LLC
State: GA

Complaint narrative:
I never communicated with Westlake Service Inc. on XX/XX/2022 and provided any of my personal information ( violation of 18 USC 1028 and 18 USC 1029 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear XXXX XXXX ( XXXX XXXX of XXXX XXXX ) and Dear XXXX XXXX, I XXXX XXXX, Consumer, will file Identity Theft against you via Federal Trade Commission, If, XXXX XXXX and XXXX XXXX ( XXXXXXXX XXXX ) continue to furnish I, XXXX XXXX, nonpublic personal information to nonaffiliated XXXX party ( s ) who I, XXXX XXXX do not give any consent whatsoever to furnish my nonpublic personal information to nor have I gave any nonaffiliated XXXX party my written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) to furnish my nonpublic personal information. 
Pursuant to the Gramm-Leach-Bliley Act, I, XXXX XXXX am very aware that XXXX XXXX, and the Financial Institution XXXX XXXX, are in noncompliance of the Gramm-Leach-Bliley Act which can result in fines of {$100000.00} ( Per Violation ) and 5 years of imprisonment according to The Gramm-Leach-Bliley Act. 

XXXX XXXX, and XXXX XXXX did not comply with simple instructions and rules of the Gramm-Leach-Bliley Act and did not provide appropriate forms to give I, XXXX XXXX the opportunity to Opt-Out of furnishing my nonpublic personal information. 

According to federal law it is not required to furnish any Consumer information 15 U.S. Code 1681s ( C ) and XXXX XXXX and XXXX XXXX did not give I, XXXX XXXX any opportunity to Opt-Out so you will be held accountable for not complying with Federal Law. 

I am very aware that XXXX XXXX and XXXX XXXX are extorting me for nonpayment therefore by extension of credit by extortion means which is causing substantial harm and ruining my reputation and financial reputation furnishing negative information which is not required and youre ruin my financial reputation Pursuant to 18 U.S. Code 894 ( a ) ( 1 ) ( 2 ) XXXX XXXX and XXXX XXXX shall be fined under this title or imprisoned not more than XXXX  years, or both. 
Dated on XX/XX/2022, I, XXXX XXXX, am demanding XXXX XXXX and XXXX XXXX to remove my account and nonpublic personal information from all Consumer Reporting Agencies immediately. 
If XXXX XXXX and XXXX XXXX continue to furnish I, XXXX XXXX nonpublic personal information I will proceed with all actions necessary to the Federal Trade Commission and file Identity Theft against XXXX XXXX and XXXX XXXX and report you both to State Attorney General and you shall be fined under federal law 18 U.S. Code 1028A ( 1 ) ( 2 ) and imprisoned for 5 years. This you your opportunity as I addressed my demands very clear and shall not be construed for any reason by any person. Im aware of the procedures of the Gramm-Leach-Bliley Act and you are not in compliance. Your company policy does NOT supersede over Federal Law. As Federally protected Consumer, my rights to privacy has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: IL

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Goal Structured Solutions, LLC
State: TN

Complaint narrative:
I got a loan in the amount of {$1800.00} in XXXX of last year for XXXX to go with XXXX. I ended up not completing the course and stopped attending classes in the end of XXXX early XXXX of last year. I've been having trouble repaying the loan due to unemployment. I have reached out to the company and they will only accept full payment or really high monthly payments. I would like a decreased amount to pay off the loan if that's possible or deferment. It's affecting my credit score horribly. It is now XXXX of 2022 and I would like to get this resolved in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: AR

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

EDFINANCIAL XXXX Balance {$0.00} EDFINANCIAL XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: NY

Complaint narrative:
ALLIED COLLECTION SERV {$2100.00} Balance updated XXXX XXXX, XXXX  ALLIED COLLECTION SERV {$2800.00} This account was previously removed from my credit report for fraud. and it was eliminated by credit bureau fraud and now this account appears again. This company constantly tries to put this debt on my report and every time it is put it is removed. It was previously removed for fraud. It's not my account, it's identity theft fraud. Already this account more than 1 year ago was denounced and eliminated. This is damage to my credit. Allied Collection Services , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX They can verify that I was a victim of identity theft. My signature is not the one on the receipt that the company sent to me. you can compare my signature on my ID with the one on the receipt and you can see that it is not the same. You are committing an illegality by putting this debt on my credit since the signatures are not the same and besides, I am not the one who made these charges. send me evidence that it was me. and you will see that they do not have them since I was not the one who made these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

USAA SVG BK XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$460.00} XXXX XXXX XXXXXXXX Balance {$7.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I communicated with XXXX on XX/XX/XXXX regarding a consumer credit transaction without a down payment for XXXX XXXX XXXX . I asked representative XXXX XXXX does XXXX participate in the Truth in Lending Act and after verifying, she confirmed yes. Afterwards, she stated that a down payment of {$12000.00} would be required to be financed by Exeter ( violation of 15 USC 1601 and 15 USC 1662 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: MO

Complaint narrative:
Chime closed out dispute XXXX due to the fact that XXXX already provided a refund, however I have XXXX separate purchases of XXXX  I made with XXXX. One on XX/XX/XXXX and one in XXXX. The refund XXXX gave was for the return I did on the purchase in XXXX, they have not refunded the purchase I made on XX/XX/XXXX and returned at the end of XXXX. There were supposed to be two refunded items and only got one. 

Chime is trying to say XXXX already made the refund but that was for a separate purchase. They do not answer emails or tickets I open in chat in the app

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Byrider Franchising, LLC
State: AR

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX  - XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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:
I sent my FTC REPORT and Credit letter off on XX/XX/2022 to Experian. I told Experian to remove XXXX fraudulent accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. I also told the credit bureaus to " investigate every piece of information '' on the accounts I have listed above. I also attached the letters I sent out and here is the Tracking number : XXXX. 

According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. My credit report needs to reflect the deleted the above accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing you this statement to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these items to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission out affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 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: NC

Complaint narrative:
There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being report to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 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 non-monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc.
State: IL

Complaint narrative:
Alliance continues to harass by sending letters after letters without providing what is needed. I have requested many times to provide me with what is the logical under the Fair Debt Collection Practices Act ( FDCPA ). As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. They continue to ignore the request. As of today, my credit bureaus are showing this company violating the Fair Debt Collection Practices Act. I requested validation of the debt and instead, they send the information to the collection agencies ( XXXX, XXXX & XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: TX

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 Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

Account Numbers 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 explanation
Consumer complaint received 2022-06-13 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:
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 Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Account Numbers 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 2022-06-13 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: NC

Complaint narrative:
There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being report to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: NC

Complaint narrative:
There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being report to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 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 non-monetary relief