vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 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:
The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A States that I have a 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. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 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: TX

Complaint narrative:
The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A States that I have a 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. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: IN

Complaint narrative:
In accordance with the Far CredIt Reporting act. The List of accounts below has

Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

# XXXX, XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Illinois Child Support, # XXXX XXXXXXXX XXXX # XXXX XXXX, # XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
i am a federally protected consumer, and I am making this complaint against LVNV Funding LLC for committing identity theft. I have never given XXXX Funding LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX  Funding LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Applied for a business credit card through JPMorgan Chase Bank. I was informed it would not affect mt personal XXXX XXXX. Received a letter stating I got declined due to my XXXX XXXX. Chase Bank pulled a hard inquiry on my personal credit report affecting my score. Letter states my XXXX XXXX from XXXX is a XXXX. I immediately went on XXXX and noticed my score was in fact a XXXX. I also noted the same inquiry was pulled on XXXX. I was informed before the process that my personal credit report would not be affect because it's for my business. Misleading information from Chase. I contacted Chase and they informed me that they could not explain how they obtained a score of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I settled account with XXXX XXXX in XX/XX/2022 for {$3000.00}. I have received 2 settlement in full letters from Scott and Associates stating the account is closed and payment was received. One letter received in XX/XX/2022 and one in XX/XX/2022. However, the XXXX XXXX is still reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have contacted XXXX XXXX ( refers me to XXXX ), XXXX ( doesnt return calls or answer phone ), & Scott & Associates ( stats that XXXX is responsible for reporting and they have sent receipt over ) multiples times and it has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I settled account with XXXX XXXXs in XX/XX/2022 for {$3000.00}. I have received 2 settlement in full letters from XXXX and XXXX stating the account is closed and payment was received. One letter received in XX/XX/2022 and one in XX/XX/2022. However, the XXXX XXXX is still reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have contacted XXXX XXXX ( refers me to XXXX ), XXXX ( doesnt return calls or answer phone ), & XXXX XXXX XXXX ( stats that XXXX  is responsible for reporting and they have sent receipt over ) multiples times and it has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Hello my name XXXX XXXX Im a victim of credit acceptance I have purchased a XXXX XXXX XXXX from a dealership in XXXX called XXXX XXXX their lender banking was with credit acceptance I had my car for three years I was doing my best to make the car payment my car I got repossessed in XX/XX/XXXX they took my car for a month I had to pay {$1500.00} to get it back out I called the company and explain to them that I just had a baby and I asked them why did they take my car in they were supposed to repossess any car between 3 to 5 months day did not follow the law of New Jersey this year of XXXX I found out that Credit Acceptable had got sued by Massachusetts for fraud misleading information they also were getting consumers into contract they had high interest in ratings they had hidden fees and it was repossessed in people car less than three months. I did my research about Credit Acceptable there was so many bad views about this car later Massachusetts New York Delaware and New Jersey have all took them to court because a lot of consumers was complaining about their contract some of the people that was trying to get in contact with them either the customer service will give them the runaround Not give them full information and also repossessed in people car without their knowledge California has sued them for the same thing New Jersey still have a pending on the case with a lawsuit and a settlement and I am file this claim to see if I am eligible for a settlement. I also need someone to contact me at my cell phone number XXXX the only thing I would like for this to resolve itself that I would like to get my money back from this car and go about my life Ill pay {$470.00} every two weeks which is supposed to be per month Any time that I try to dispute any negativity that they put on my credit report they will put 30 days late 60 days late 90 days late all I ask is please investigate this company and look at the reviews of this company they are scamming people out of their money repossessed and people car not being truthful about what they are doing because a lot of people are hurt behind this the docket number case is XXXX XXXX XXXX XXXX XXXX XXXX the court house in New Jersey the case is pending with XXXX XXXXXXXX XXXX XXXX this a class action against the car lender. Please dont let theses people get away I owe XXXX on my car. Im doing my best to make my payment. They are reporting to 3 credit buena every month that Im late. Im a XXXX XXXX XXXX XXXX doing my best.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion has YET AGAIN put an extended fraud alert on my account! I am tired of this company doing this without my permission AND when I specifically tell them not to. I have no issue with the other XXXX bureaus, but Transunion continues to do this! 
This needs to be looked into because they continually do this to my account. I am not having this issue with any other group. I am tired of having to send them information in the mail to fix these issues as they will not handle issues on the phone! I feel that the governing agencies need to look into these practices and actions immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX. I was notified by XXXX of a collection item from Procollect , Inc for {$450.00} for a Utility Bill out of XXXX TX. This item does not belong to me, and I never lived in Texas. I begin to reach out to this company to have this item disputed and removed from my credit report, because it is fraudulent, but this company has been nothing but rude and disrespectful to me. I have tried contacting them numerous time and no one will help. They even tried to make me pay this debt when I explained multiply times it did not belong to me. Since then, I have started the Dispute process with XXXX and other Credit Bureaus as well filed a police report. This company address is XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX. Phone Number XXXX. Please help me with the matter, so others won't have to experience this terrible treatment as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX  ), has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: CO

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX, Equifax, and XXXX representatives concerning the likelihood of false accounts being established using my customer data. I implored everyone to delete these accounts since I had no idea how they got there. All three firms advised me on how to keep track of things and complete an FTC form. I sent my information on XX/XX/XXXX. Even though I had filed my letters more than 30 days previously since they had been " verified, '' the accounts that were not mine were still shown in my documentation. This situation bothers and concerns me because it inhibits my family and me from purchasing a property. On XX/XX/XXXX, I called the XXXX firms again to inquire about how they could certify that these accounts belonged to me. They told me to contact the debt XXXX directly because they couldn't help me any further. Every bank that the client dialed at the same time and forwarded to me had been dialed incorrectly ; they had no idea who I was or what the accounts were about. An online verification was completed to ensure that I had not made a mistake. My buddies advised me to visit the CFPB website. I'm hoping this works because my family and I desperately need the house we're trying to buy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: TX

Complaint narrative:
I settled account with XXXX XXXX in XX/XX/2022 for {$3000.00}. I have received XXXX settlement in full letters stating the account is closed and payment was received. XXXX letter received in XX/XX/2022 and XXXX in XX/XX/2022. However, the credit bureau is reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have tried to dispute with credit bureau XXXX XXXX and it has not been corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I settled account with XXXX XXXX  in XX/XX/2022 for {$3000.00}. I have received XXXX settlement in full letters stating the account is closed and payment was received. XXXX letter received in XX/XX/2022 and XXXX in XX/XX/2022. However, the credit bureau is reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have tried to dispute with credit bureau multiples times and it has not been corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: AZ

Complaint narrative:
I am unable to communicate to XXXX, equifax, XXXX and XXXX about inaccuracies on my credit report. The information is inaccurate and damaging me financially. The above listed companies do not have a way to be contacted. The slanderous and defamatory information is harming me financially. These above listed corporations are violating my civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. Remove these late payments because I was never 30 days late on XX/XX/2022 I was only 27 days late XXXXXXXX XXXX XXXX Account Number : XXXX Please submit onto XXXX  Form and please remove late payments under section 1681s ( 2 ) ( b ) 2. This account is inaccurate because according to 15 USC 1666a a creditor can not adversely report to anyone about a consumer 's credit rating because of the obligor 's failure to pay. This can not be reported delinquent to a third party until the consumer has been given the same amount of days to make payment as provided in the credit card agreement. 
By them reporting this to a credit reporting agency is inaccurate reporting and a violation of the Fair Credit Billing Act XXXX  Account Number : XXXX Please Submit to XXXX XXXX and please Delete under section 1681s ( 2 ) ( b ) TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MONEY SOURCE, INC., THE
State: OH

Complaint narrative:
The Money Source keeps saying that the home was not discharged in XXXX XXXX which it was per the XXXX Discharge and The Money Source own attorney sent me back a letter stating such. 

Everything is attached plus the letter from their attorney I received today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: AZ

Complaint narrative:
Experian has failed to verify this account with the original signed contract with my signature date and name. They have not verified so it has to be deleted immediately by law. 

Account name XXXX XXXX XXXX XXXX Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: HI

Complaint narrative:
I have a loan serviced by Shellpointe. The original XXXX loan amount was {$600000.00} with % 10 down with the understanding the PMI would automatically be dropped once the loan reached 78 % which it did a few months ago. It is now at 74 % LTV. All payments have been current. I have called repeatedly and filed written requests to remove the PMI to no avail The company sends requests for appraisals which I shouldnt have to pay for since the PMI by law should have been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation