vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-20 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: NC

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

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

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



In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX has violated my rights. 

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

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



In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

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



In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
THIS ACCOUNT SHOULDN'T BE LISTED AS CHARGE OFF/COLLECTION WHEN THE BALANCE IS NOT CORRECT OR INFORMATION I HAVE NEVER OWNED THIS ACCOUNT WHICH ITS CLEAR ITS FRAUD OR SOMEONE SCAMMERS AND THESE PEOPLE REUIN PEOPLE LIVES AND THATS WHEN XXXX AND XXXX  DISABLITY COMES NOTHING WAS NEVER OWED ON THIS INACCURATE MADE UP ACCOUNT DELETE THIS INACCURATE INFORMATION PLEASE.

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 2022-06-20 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: Grain Technology, Inc.
State: TX

Complaint narrative:
Grain Technology. Grain provides a revolving line of credit that you can access through your existing debit card without issuing a card. This approach empowers you to use what you need for your day-to-day, builds good credit in the process and ultimately, gives you more ownership over your credit. 

What this company does not tell you is, how they are keeping personal information and not allowing you to pay your credit bill. This company has kept over 100 people personal information including, SSN, Addresses, DOB, Bank Accts and most of all dropping individuals credits tremendously. I have requested to make a payment to this company & I was blocked. Grain will kick people out of the system by unlinking the bank accts to make payments and drop the customer 's credit point. I was able to reach my 700s and Grain has dropped my credit to 500s. I am in emotional distress. I have tried to talk with serval people to look into this matter. This is one company that does not need to go any further in life. Lying to people just to make living bad. I have a growing business and tried to apply for a XXXX XXXX and was advised of what Grain has did. I am not unable to have a business credit due to this matter also. Please look up this company. Taking people information and blocking people to have access to their personal life information is the worst a company can do. Compromised my personal information! 

I have been locked out of my acct for 6 months. This company continues to report missed payments. This company will block you and have your credit score drop, DUE TO THEIR LIES!!! 

I believe that the company will retaliate against me for submitting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/2021 I received a request for {$300.00} on Venmo from a friend who I had previously exchanged money with on Venmo. The request came from the same name, profile picture, and unique username as my friend 's account so I accepted the request. I later found out that my friend never initiated the request. The request never showed up on my friend 's account and the money never went into their account. I contacted Venmo once I found out the charge was fraudulent. After a brief email exchange with a venmo representative, I was told that venmo would not reimburse the money that was fraudulently taken from my account despite the fact that the information on Venmo 's service was inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CarMax, Inc.
State: NV

Complaint narrative:
I applied for a car at CarMax I was told that I needed XXXX down was gon na put XXXX  down on the renegade. I was approved at this time it was make the money to buy the car I had made the money and paid rent for a family member I then was short, no money no big deal ill work extra and make the money back. They ran my credit over 5 different times I wanted the renegade and they destroyed my credit payments every month on time and no problems I was focused on building my credit and yes the car would have finished raising my credit these were unauthorized runs against my credit. I ask them to fix it they said it was identity theft and transferred me to a number and I now have left a message my credit dropped XXXX XXXX after I have worked so hard and was trying to help another not to loose their credit with their housing I have not once but over and over been putting up with this kind of business on my phone and others violating my life I am asking you please help me get this off my report and back to the score I had before trying to better my life somemore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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:
No answers nor responses and Bankruptcy was NOT removed off ALL my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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:
No answers nor responses and Bankruptcy was NOT removed off ALL my credit reports.

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 2022-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Progrexion Holdings, Inc.
State: LA

Complaint narrative:
I Have noticed that I have loans and accounts that are appearing on my XXXX  XXXX account that I didn't complete. I used a system called credit repair and was under the impression they were fixing my credit. After applying for a loan as a first-time buyer I discovered that I was denied more than once. I was sent fake updates and credit reports that made me believe that Credit repair was actually fixing my credit. Then started to get reports that I would qualify for refinance loans shortly after that. All of which I never applied for. This becomes a big head ace because I thought i was working on fixing my credit but in fact, was just scammed. While in search of a new home i use XXXX XXXX as a place to find local homeowners that were selling their homes. In the search on the XXXX marketplace, i was charged XXXX XXXX  which would lead to multiple charges. This was to seal my credit card information. this was to apply for reaccuring payments on my account. This left me wiped out and destroyed my finances. More than one account was opened and in more than one state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Pursuant to 15 USC 1681 ( a ) ( 1 ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OpenRoad Lending
State: MI

Complaint narrative:
I reached out to Open Road Lending llc. Multiple times regarding this matter of trying to cancel gap insurance. I was very clear to them in the being that i did not want gap insurance. XXXX XXXX is the name of the agent that i worked with at open road lending and when i noticed the gap included in the docu sign contract that was sent to me i asked he about it and he stated that he would get this issue resolved this was on XX/XX/2022. Now i am still calling and getting the run around between opening road lending and this third party dealer XXXX XXXX XXXX on trying to cancel a policy i never wanted or asked for to begin with please help as i do not know where else to turn.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, Account XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Account XXXX XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX has violated my rights, They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights 15 U.S.C. 1681 SECTION 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

They also violated my rights 15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish account with my written instructions.

They also violated my rights 15 U.S.C 1681e ( b ) and 15 U.S. Code1681i ( 5 ) This account is in violation, not reporting 100 % accurate it lists the child support court as the furnisher that is forgery and misleading when the courts do not report this type of account.

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 2022-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I purchased XXXXXXXX XXXX on XXXX last year, and it took them over 6 months to arrive. When they arrived, the cells looked to be in new packaging ; however, it turned out that they were repackaged and clearly used cells with severely diminished capacity. I filed a fraud complaint with Capital One, and they sided with XXXX despite the over 15 pages of evidence, dozens of phone calls, and extensive reporting. Online forums have shown that XXXX and XXXX have switched shipments to used repackaged cells to American consumers, and only Capital One sided against the consumer. I have the entire evidence packet, and I will send the information upon request. 

Purchased : XX/XX/XXXX Received : XX/XX/XXXX Claim Filed : XX/XX/XXXX I submitted a complete faxed packet of evidence on request, but Capital One claimed they never received it. I sent the information via email, and it took 5 attempts to get the uploaded information into evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
THIS ACCOUNT SHOULDN'T BE LISTED AS CHARGE OFF/COLLECTION WHEN THE BALANCE IS NOT CORRECT OR INFORMATION I HAVE NEVER OWNED THIS ACCOUNT WHICH ITS CLEAR ITS FRAUD OR SOMEONE SCAMMERS AND THESE PEOPLE RUIN PEOPLE 'S LIVES AND THAT'S WHEN XXXX AND XXXX  XXXX COMES NOTHING WAS NEVER OWED ON THIS INACCURATE MADE UP ACCOUNT DELETE THIS INACCURATE INFORMATION PLEASE.

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 2022-06-20 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: TX

Complaint narrative:
I have on several occasions disputed the validity of the Bankruptcy on my TransUnion report. I submitted dispute in XX/XX/2022, whereas TransUnion returned a verified by secondary furnishers. See Attached. Therefore, they have violated my rights as a consumer based on 15 USC 1681c that states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) cases under title 11 or under the Bankruptcy Act that from the date of entry of the order for relief or the duster of adjudication as the case may be antedated the report by more than 10 years. '' Also Section 623 ( a ) ( 1 ) ( A ) of the FCRA provides that a person shall not furnish information relating to any consumer to consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Also in section 623 ( a ) ( 2 ) of the FCRA provided that a person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnsihed to a consumer reporting agency of that determination and provide to the agency any corrections to the information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate.

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 2022-06-20 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: GA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20 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: GA

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I refinanced my loans with NaviRefi after repeated emails that were spaced approximately 4 days apart beginning in XXXX. I finally refinanced with them beginning on XX/XX/XXXX. I was not notified specifically that the loans that they refinanced were federal loans. The representative went through the list of loans, and by interest rate they were refinanced. These loans were federal loans that I have now lost the ability to gain forgiveness on although I am eligible for PSLF. They used their contract with the government to be able to access not only my loans they were servicing but other federal loans to benefit. It is another case of Navient benefiting at the cost of their borrowers. I contacted them this evening to obtain the information from my loans as well, as none of the information is on their website. Due to their required transparency PSLF eligible borrowers are now being notified, however, they did not do their due diligence prior to converting my federal loan into a private one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: OR

Complaint narrative:
XXXX. XXXX XXXX XXXX. XXXX, GA XXXX. 
Experian. Dispute Department. XXXX XXXX XXXX. XXXX, TX XXXX. 
XXXX. XXXX XXXX. XXXX XXXX XXXX XXXXXXXX, PA XXXX. 

complaint sent your office mean time, with ftc complaint credit report cause us to be XXXX  and money taken out our action 's your office failed to make they remove the old info, your office had proof of the action with letter enclosed again. now collections are now using new numbers s. Secretary XXXX XXXX XXXX office a compliant as well fha programs are being affected. by this reporting police reports from oregon and utah has been sent your office and the 3 credit burros. with cifit request

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 2022-06-21 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: OR

Complaint narrative:
XXXX. XXXX XXXX XXXX. XXXX, GA XXXX. 
XXXX. XXXX XXXX. XXXX XXXX XXXXXXXX. XXXX, TX XXXX. 
TransUnion. Consumer Solutions. XXXX XXXX XXXX XXXXXXXX, PA XXXX. 

complaint sent your office mean time, with ftc complaint credit report cause us to be XXXX and money taken out our action 's your office failed to make they remove the old info, your office had proof of the action with letter enclosed again. now collections are now using new numbers s. Secretary XXXX XXXX XXXX office a compliant as well fha programs are being affected. by this reporting police reports from oregon and utah has been sent your office and the 3 credit burros. with cifit request

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 2022-06-20 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: CA

Complaint narrative:
In accordance with the Fair 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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
THIS ACCOUNT SHOULDN'T BE LISTED AS CHARGE OFF/COLLECTION WHEN THE BALANCE IS NOT CORRECT OR INFORMATION I HAVE NEVER OWNED THIS ACCOUNT WHICH ITS CLEAR ITS FRAUD OR SOMEONE SCAMMERS AND THESE PEOPLE RUIN PEOPLE 'S LIVES AND THAT'S WHEN XXXX AND MENTAL DISABILITY COMES NOTHING WAS NEVER OWED ON THIS INACCURATE MADE UP ACCOUNT DELETE THIS INACCURATE INFORMATION PLEASE.

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