vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 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: MI

Complaint narrative:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: AZ

Complaint narrative:
This is a direct violation of so many U.S. codes and ethics. I was in covid forbearance with XXXX XXXX XXXX XXXX and was told there would be no negative reporting to my credit report. Well on XXXX XXXX they reported negative marks on my credit report which has in turned caused me and my credit a lot of damage. Right in the middle of a work out they violate my consumer rights this way. We have already decided to obtain counsel and file suit against XXXX XXXX XXXX because this has caused damage to my credit in such a negative way. This direct violation of 15 USC 1681a ( k ) ( 1 ).

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 2022-11-15 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: AZ

Complaint narrative:
This is a direct violation of so many U.S. codes and ethics. I was in covid forbearance with XXXX XXXX XXXX bank and was told there would be no negative reporting to my credit report. Well on XXXX XXXX they reported negative marks on my credit report which has in turned caused me and my credit a lot of damage. Right in the middle of a work out they violate my consumer rights this way. We have already decided to obtain counsel and file suit against XXXX XXXX  XXXX because this has caused damage to my credit in such a negative way. This direct violation of 15 USC 1681a ( k ) ( 1 ).

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 2022-11-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
received a letter that said welcome to XXXX financing - only problem... i did not open this account - someone else did under my social security number. received the letter today- monday, XX/XX/XXXX and no credit card was issued, only received a letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: LendKey Technologies, Inc.
State: NC

Complaint narrative:
In XXXX of 2022, I was having some problems keeping up with my student payments as other items and resources were becoming more expensive because of the effects of inflation and the summer heat. I tried for XXXX months to apply for a 90 day forbearance but was continued to be turned down even after paying monthly for the past XXXX years XXXX years during XXXX. I had to fall behind and have been trying to catch up but Lendkey keeps attacking my XXXX XXXX even after I have made XXXX payments. Unfair they could not give me 3 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: FL

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2022-11-15 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: FL

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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:
So I sent a letter off on XX/XX/2022. My tracking number is # XXXX, XXXX, XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act XXXX XXXX XXXX. I have the right to privacy. Also according to XXXX XXXX XXXX. No financial institution is suppose to share my information to XXXX party people. 

These are a clear violations of my federally protected consumer rights.

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 2022-11-15 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: CA

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

15 U.S C 1681 section 602A States I have the right to privacy 15 U S C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX violated my rights. 

15 U.S C 1681 section 602A States I have the right to privacy 15 U S C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions In accordance with Fair Credit Reporting act XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX violated my rights. 

15 U.S C 1681 section 602A States I have the right to privacy 15 U S C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account with out 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 2022-11-15 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 Fair Credit Reporting act XXXX XXXX XXXX account # XXXX violated my rights. 

15 U.S C 1681 section 602A States I have the right to privacy 15 U S C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX violated my rights. 

15 U.S C 1681 section 602A States I have the right to privacy 15 U S C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions In accordance with Fair Credit Reporting act XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX violated my rights. 

15 U.S C 1681 section 602A States I have the right to privacy 15 U S C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: PA

Complaint narrative:
I am a victim of identity theft. There are fraudulent items on my credit report that need to be deleted. I did not make these changes. These fraudulent items need to be deleted off my credit report. This is hindering me from advancing in life.

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 2022-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I exercised my right of rescission due to non disclosure of my right to rescind pursuant to XXXX XXXX XXXX, along with violations of : XXXX XXXX XXXX XXXX XXXX XXXX ( c ) XXXX XXXX XXXX ( b ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of which were included in the " AFFIDAVIT OF TRUTH '' which was mailed via registered mail on XX/XX/2022 # XXXX and received on XX/XX/2022. TRUIST has yet to comply the lawful effects of my rescission.

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 2022-11-15 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: MO

Complaint narrative:
I am a XXXX mom and I want my credit report to be fair, I recently got out of the XXXX due to XXXX upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 

I have the right to privacy In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX 

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 Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I, XXXX : XXXX am speaking for myself in this claim. CRDT CTRL CO is illegally reporting on my account. Cease and Desist all forms of communication. You lack my permission to communicate on any debt pursuant to 15 usc 1692c ( a ). Negative reporting is defamation of character. according to 15 usc 1692k ( a ) ( 1 ) I have the right to collect ACTUAL DAMAGES. This negative reporting on my credit report has cost me securing a new car. XXXX XXXX XXXX is extorting me by reporting on my credit for this alleged debt. Cease and desist communication. You will receive a letter in writing via certified mail. To avoid any statements about this not pertaining to XXXX XXXX XXXX for whatever the reason, I have included, for your convenience the laws stated. I am entitled to remedy as a federally protected consumer and simply request you remove your reporting or I will fully exercise my rights and seek remedy in full.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account US DEPT OF EDXXXX US DEPT OF EDXXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights 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 2022-11-15 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account US DEPT OF EDXXXX US DEPT OF EDXXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX charged me {$110.00} for a membership renewal twice ( XXXX for mine, XXXX for my husband ) so XXXX separates transactions of {$110.00} totaling {$230.00}. On their policy states that a refund can be requested within a certain amount of time from the renewal date and I submitted a request for cancellation and refund within those days. XXXX accepted my request and issued refund for both transactions and sent separate emails with different confirmation for both refunds. 

I received credit for XXXX on my american express card but not the other. XXXX states both refunds were processed and American Express says XXXX was issued and the other one they have a confirmation but not a refund. I disputed this charge for a few months and American Express says nothing they can do. XXXX states refunds were issued to american express. So I was charged from Amex with a late fee and interest on this charge while they told me that I wasn't going to be penalized while the dispute is under investigation. Yet I was charged, as they state that my dispute was closed on XX/XX/XXXX while unresolved and I didnt receive notifications. Meanwhile, I have an email on XX/XX/XXXX that my dispute was resubmitted and that I wasnt going to be penalized until it was resolved. 

I had to pay the charge to AMEX and close my accounts. Meanwhile I didnt receive my money back and I did not receive services from XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15 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: NJ

Complaint narrative:
i when to XXXX XXXX XXXX, looking to purchase a vehicle. 
i was under the impression, that my credit will be run once. 
now i have A lot of hard inquiry on my credit report. this is stopping me from purchasing a home or Vehicle. 

Shared with out my consent, credit Inquiries from unknown soucrces. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Richard Sokoloff, Attorney At Law
State: NY

Complaint narrative:
XXXX XXXX I contacted XXXX XXXX at the number XXXX that left attached to the order he used to gain access to {$5300.00} on XX/XX/22. 

The person that answered the call tried to make me believe that she did not know why I was calling and asked for my sons name ( XXXX XXXX XXXX XXXX ) and has nothing to do with this. 
Then after she acted out her role of not knowing why I called, she then tells me about the attempt to collect a debt. She gave me a name, XXXX XXXX x XXXX would be handling my case, the person then asked me for an index number, I told her an index number would be on a court document which I don't have and don't know why money was taken out of my account. The woman said she would transfer me to XXXX XXXX, and then the call ended, as if I was hung up on. I call back and get the voice mail of XXXX XXXX, I left a message that I called to request that my money be returned to my account. It was taken illegally and want it back now. This occurred at XXXX : XXXX XXXX  today XX/XX/22. It is now XXXX : XXXX as I propel my claim again, against XXXX XXXX. I did not receive a call back from this office at all today. In addition, I called my bank to get more information and was told that there was no Index number attached to the legal order. 

I'm caught in this web of XXXX XXXX and associates while he continues to scam people and also scam community agencies with legal jargon and what I now believe is false court documents. He makes it a habit to come after me, and it's seems like it always around the holidays, I'm not sure if he has other stakeholders involved in his money scheme but it really has to stop. How many bills is he going to accuse me of owing and the timing of his actions are unsubstantiated and could not be in a collective state. 
I keep track of my bills, and maybe he thinks I don't know that and tried again to surprise me with made up cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: GA

Complaint narrative:
I was a victim of identity theft and I request again to remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$75.00} ; XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$20000.00}.

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