vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 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: FL

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX 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 that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 15 U.S.C 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 15 U.S.C 1692 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2023-04-28 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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX 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 that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 15 U.S.C 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 15 U.S.C 1692 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: SC

Complaint narrative:
I have had several loans from XXXX XXXX located in XXXX, SC. I had one loan that was paid in full but have several late payments being reported. Im asking for a XXXX deletion of those late payments to help improve my credit moving forward. I have always paid them in full and would appreciate the deletion and report it to all credit bureaus. Thank you for your past when I needed help. I paid all loans completely.

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 2023-04-28 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: SC

Complaint narrative:
I have had several loans from XXXX XXXX located in XXXX, SC. I had one loan that was paid in full but have several late payments being reported. Im asking for a XXXX deletion of those late payments to help improve my credit moving forward. I have always paid them in full and would appreciate the deletion and report it to all credit bureaus. Thank you for your past when I needed help. I paid all loans completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: PA

Complaint narrative:
I called First Digital credit card company on XX/XX/XXXX, approximately XXXX XXXX and paid off my balance in the automated system. I called them back and spoke to a live agent and closed my account. They confirmed my account has a XXXX XXXX balance and sent me a letter to confirm I have a XXXX balance. 
On XX/XX/XXXX I received an alert about a past due balance. I noticed it was the account that I paid off in XXXX. I called them immediately and escalated to a supervisor who waived the charges. The name is XXXX, he promised a call back Monday to confirm. He never called me. 
I called back today, the first agent won't speak with me, after 20 minutes asking for a supervisor and being denied I hang up and call back. Next agent tells me I have a {$21.00} credit on the account and it's closed, I asked for a supervisor and I was connected to the same person, XXXX. He pretended that he did not know me, and pretended that I did not have an account and refused to speak with me because he could not verify my identity .These people have caused my credit score to drop 80+ points on obesity of my 3 reports and pretend that they do not know me, they are also denying me to speak with anyone at this company. It's time that a gift agency step in on my behalf Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  New address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These people need to close the account correctly, send me another letter stating such, and FIX my credit bureau reports. They are causing me undue stress, and causing harm by incorrectly impacting my credit scores on all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX Open Date : XX/XX/2013 Balance : {$300.00}. Please make sure this account was remove in my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: MN

Complaint narrative:
This is in regards to FTC Report Number XXXX which I just filed with the FTC and is related to CFPB complaint # XXXX which was filed with the CFPB on XXXX against XXXX XXXX and is still open. 

I'm going to attach my entire complaint in attachment. This Loan is directly related to my current complaint with XXXX XXXX  that is currently open with CFPB # XXXX. This loan was a direct deposit into fraudulent XXXX XXXX account XXXX which I reported in my Police Report on XXXX XXXX and at the time I knew very little about my ID Theft. You need to understand CFPB complaint # XXXX in order to link these 2 ID Theft together and understand it. Once again I have provided all the documentation to support my claim which the CFPB has on file b/c I attached it to CFPB complaint # 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 2023-04-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
As stated in previous correspondence dated XXXX I received a copy of my Equifax consumer credit report and found the following item ( s ) to be in error, inaccurate, and unauthorized. : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry XXXX XXXX 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XXXX 11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 16. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XXXX 17. The inquiry was not authorized XXXX XXXX Date of inquiry XXXX XXXX 18. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 19. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 20. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 21. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 22. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 23. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 24. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: NV

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$95.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX CXXXX 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 2023-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/ Balance : {$300.00} and XXXX XXXX XXXXXXXX Open Date XXXX XXXX XXXX XXXX  Balance : {$16000.00}. Please make sure these accounts were remove in my report 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 non-monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
NOTICE AND DEMAND TransUnion is conspiring to the act with an alleged debt collector. XXXX XXXX  XXXX have been noticed that I am a victim of identity theft however, with their pompous attitude of being above the law, they still continued forward and XXXX conspired with trans union to report erroneous false claims I will be charging a {$10000.00} fee daily from here on for the false claims act. ( 2 ) XXXX XXXX  has XXXX conspired with Trans Union to deprive me a man of my rights and I will be charging {$10000.00} daily under title XXXX8 to 42. The deprivation of rights. The companies have stultified and are causing your repairable damage, and I will be seeking out at the insurance commissioners office in their state to file a claim on their surety bond for damages.

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 2023-04-28 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: NJ

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 2023-04-28 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: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RI XXXX  You are direct violation of the Fair Credit Reporting ACT ( XXXX Account number # XXXX ) has violated Several my right. 
15 U.S.C 1681 section 602 A. clearly states that I have the right to privacy.

15 U.S.C1681 section 604 A Section 2 : ; it also states that I have the right to privacy.

15 U.S.C 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-04-28 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 2023-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I got this auto loan and there are fees on this that are against a Fair credit reporting truth in lending and a bunch of stuff I know the cfpb and New York State attorney general has a class action lawsuit against credit acceptance I look for updates all the time I am having a hard time getting this removed off in my credit report the car blew up in XXXX I contacted them right away they wouldn't work with me they wanted their money and I completely understand that but at the same time it was going to cost over {$5000.00} to fix this car it's a XXXX XXXXXXXX it's not a brand new car I'm doing everything in my power so something is done about this it's getting to the point where I'm going to have to take a legal action myself because with everything inside me they will not get away with this so-called fraud I was looking on my documents and it said {$910.00} to be paid to others on my behalf what is that all about I want them to explain that to me and my down payment? My down payment wasn't even taking off the loan I'm going to attach my loan document so you can clearly see that they took {$12000.00} and then they added my down payment if my down payment would have been subtracted off in this loan and I wouldn't have been charged XXXX interest and the XXXX as well as others that I got charged this car would have been paid off this is not right and I know you guys at cfpb know that this isn't that right that's why you guys have an open class action against them and that's why credit Acceptance stock market is declining I already know they paid Massachusetts XXXX XXXX back to customers that they frauded something needs to be done with this company it's not fair that they take advantage of people with low credit and low income that's totally wrong they have no conscience either about what they're doing and that's so unfair as long as their wallet is fat that's all that matters to them and that's wrong because she now I am stuck without a vehicle and I can't get a loan know-how and they're flagging my account constantly they've even ran hard inquiries on my credit report they've even called me on a Sunday when I was having dinner with my family at XXXX in the evening I'm going to contact my phone company and get a printout of the phone calls since the car got repoed they won't even tell me where the car is located unless I make a payment I've got stuff in there that I need back that means a lot to me I really truthfully did not think that they would come and get it because of the year and the motor was gone but I was dead wrong on that

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