vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-30 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:
i sent my letter off on XXXX and XXXX. I told the credit bureaus to investigate every piece of information on the accounts i have listed below. Also i have attached the letter i sent out and here is the tracking # XXXX. ) XXXX, XXXX. ) XXXX, XXXX. ) XXXX According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these account are still not reporting 100 % Accurate. and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. i have the credit report showing the inaccuracies Accounts # 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 2022-10-30 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: Bliksum, LLC
State: CA

Complaint narrative:
Loan me has sold my loan to another company called XXXX. I have paid XXXX for my loan with loan me from XX/XX/XXXX until paid off on XX/XX/XXXX. 
I filed a dispute with XXXX on XX/XX/XXXX because loan me did not update my loan status. After completing the investigation loan me reported I paid them until XX/XX/XXXX and then my loan was charged off. 
This is inaccurate information because I did not pay loan me I paid XXXX from XX/XX/XXXX - until paid off on XX/XX/XXXX after my loan from loan me was sold to them. 
Under the fair credit reporting act loan me has violated my rights. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
Due to the incorrect payment history and dates I would like to request loan me account is deleted from my credit report. I will attach the supporting documents of the Loan payments to XXXX for loan me being paid off on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: NY

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 Comments : Purchased by a another lender. 
Sold to : XXXX XXXX Account transferred or sold Charge XXXX XXXX XXXX XXXX Balance : {$700.00} Status : Collection/Chargeoff , Late 120 Days XXXX XXXX XXXX XXXX Balance : {$130.00} Status : Collection/Chargeoff, Late 120 Days Comments : Account seriously past due date/account assigned to collection agency, Collection account 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 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c ( a ) ( 5 ) Section 2 : 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 crime which antedates the report by more than 7 years. 

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

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 2022-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
I am enrolled in a XXXX update program and every year in XXXX i get a new phone from apple using their financing company called XXXX XXXX. 
Unfortunately this year i got denied with the following motivation " UNSATISFACTORY CREDIT EXPERIENCE WITH OTHER CREDITORS ''. 
I immediately ran a credit report on my XXXX and everything looked good as usual except for an illegal debt collection activity. 
On XX/XX/XXXX, the company CAINE & WEINER COMPANY INC submitted a collection debt for the insurance company progressive. 
The amount due is {$230.00}. 
The date of First Delinquency is XXXX XXXX, XXXX. 
The Date Assigned is XX/XX/XXXX. 
I want to clarify that the debt is not mine for the following reason : I am originally from XXXX and i moved to XXXX on XX/XX/XXXX, after that date i got all my document including SSN, DL and immigration documents for that reason the debt it can't be mine. I Have never had an account with them. 
This illegal practice is causing several problems and i really wan to fix that legally. 
I absolutely don't want to pay a debt that is not mine. 
I am willing to provide any documents you need to fix the problem. 
Kindly Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After learning that some of my personal data was being utilized without my consent when I searched for my name online, I filed a complaint. My information was obtained by an aggregation website, which instructed me to first read the website 's FAQ section before getting in touch with roughly nine other websites to have my information removed. The fact that I had to ask to have my items taken made me feel ashamed in addition to feeling invaded because I respect my privacy. I want the bogus accounts that were added without my permission to be erased from my report. From my credit report, delete all fraudulent and negative accounts. My capacity to get credit has suffered because of this. All I can, I'm doing it.

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 2022-10-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After learning that some of my personal data was being utilized without my consent when I searched for my name online, I filed a complaint. My information was obtained by an aggregation website, which instructed me to first read the website 's FAQ section before getting in touch with roughly nine other websites to have my information removed. The fact that I had to ask to have my items taken made me feel ashamed in addition to feeling invaded because I respect my privacy. I want the bogus accounts that were added without my permission to be erased from my report. From my credit report, delete all fraudulent and negative accounts. My capacity to get credit has suffered because of this. All I can, I'm doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After learning that some of my personal data was being utilized without my consent when I searched for my name online, I filed a complaint. My information was obtained by an aggregation website, which instructed me to first read the website 's FAQ section before getting in touch with roughly nine other websites to have my information removed. The fact that I had to ask to have my items taken made me feel ashamed in addition to feeling invaded because I respect my privacy. I want the bogus accounts that were added without my permission to be erased from my report. From my credit report, delete all fraudulent and negative accounts. My capacity to get credit has suffered because of this. All I can, I'm doing it.

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 2022-10-30 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: CA

Complaint narrative:
XXXX XXXX  has sold my loan to another company called XXXX. I have paid XXXX for my loan with loan me from XX/XX/XXXX until paid off on XX/XX/XXXX. 
I filed a dispute with experian on XX/XX/XXXX2022 because loan me did not update my loan status. After completing the investigation loan me reported I paid them until XX/XX/XXXX2022 and then my loan was charged off. 
This is inaccurate information because I did not pay loan me I paid XXXX from XX/XX/XXXX2021 - until paid off on XX/XX/XXXX2022 after my loan from loan me was sold to them. 
Under the fair credit reporting act loan me has violated my rights. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
Due to the incorrect payment history and dates I would like to request loan me account is deleted from my credit report. I will attach the supporting documents of the Loan payments to XXXX for loan me being paid off on XXXX/XXXX/2022.

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 2022-10-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN HAS THE NERVE TO SEND ME A LETTER SAYING UNLESS YOU SEND US ADDITIONAL RELEVANT INFORMATION TO SUPPORT YOUR CLAIM WE WILL NOT REINVESTIGATE THIS INFORMATION AGAIN!!!!? THE NERVE REALLY!! HOW ABOUT STOP WASTING MY TIME AND MAKE IT RIGHT!!! 

ATTACHED IS MY CREDIT REPORT THAT THEY'RE SAYING IS SOOO ACCURATE!! GIVE ME A BREAK!!

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 2022-10-30 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: AL

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 Bank : # XXXX, XXXX Bank : # XXXX, XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Prop 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 : Account Number Not Provided have 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 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 2022-10-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX HAS THE NERVE TO SEND ME A LETTER SAYING UNLESS YOU SEND US ADDITIONAL RELEVANT INFORMATION TO SUPPORT YOUR CLAIM WE WILL NOT REINVESTIGATE THIS INFORMATION AGAIN!!!!? THE NERVE REALLY!! HOW ABOUT STOP WASTING MY TIME AND MAKE IT RIGHT!!! 

ATTACHED IS MY CREDIT REPORT THAT THEY'RE SAYING IS SOOO ACCURATE!! GIVE ME A BREAK!!

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 2022-10-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX HAS THE NERVE TO SEND ME A LETTER SAYING UNLESS YOU SEND US ADDITIONAL RELEVANT INFORMATION TO SUPPORT YOUR CLAIM WE WILL NOT REINVESTIGATE THIS INFORMATION AGAIN!!!!? THE NERVE REALLY!! HOW ABOUT STOP WASTING MY TIME AND MAKE IT RIGHT!!! 

ATTACHED IS MY CREDIT REPORT THAT THEY'RE SAYING IS SOOO ACCURATE!! GIVE ME A BREAK!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: NY

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 : Purchased by a another lender. 
Sold to : XXXX XXXX Account transferred or sold Charge XXXX XXXX XXXX XXXX Balance : {$700.00} Status : XXXX XXXX Late 120 Days XXXX XXXX XXXX XXXX Balance : {$130.00} Status : XXXX/XXXX, Late 120 Days Comments XXXX Account seriously past due date/account assigned to XXXX XXXX  Collection account 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section 2 : 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 crime which antedates the report by more than 7 years.

15 U.S.C. 1681c ( A ) ( 1 ) a person shall not furnish any information relating to any consumer to a 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 2022-10-30 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: IN

Complaint narrative:
Credit acceptance : XX/XX/XXXX, {$14000.00} Bank XXXX XXXX : XX/XX/XXXX, {$500.00} XXXX XXXX : XX/XX/XXXX, {$1400.00} XXXX : XX/XX/XXXX, {$400.00} XXXX XXXX XXXX : XX/XX/XXXX, {$2100.00} In accordance with the fair credit reporting act XXXX these account has violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy. 15 U, S.C 1681 Soction 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 us 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt. 15 us 1692b ( 2 ) not state that such consumer owes any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I first went through a credit resolution company named, XXXX  to help settle credit card debt with capital one. 
They were a third party company I'm using to help settle credit card debts. After awhile of Capital One purposefully not collecting my payment after almost a month, I called them directly to have them take payment for both accounts respectively. I paid ( settled ) BOTH accounts and I have confirmation numbers to prove it. So I do the leg work to get the items removed from my credit report ( XXXX ) and now capital one is saying that my debt is still owed to them, which can't be true, which means they're lying or trying to squeeze more money out of me. 

As of XX/XX/XXXX my debt should have shown as settled or paid on my credit report. But captial one is trying to bleed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i had received my Social Security check and on XX/XX/2022 @ XXXX XXXX XXXX XXXX @ XXXX to XXXX i had made a cash deposit at the ATM at that location but it not post i had noticed it was missing from my account so i had filed a claim i was calling everyday to find out what ha happened and the stratus of the claim # XXXX and i also had an appointment at my branch office located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX decided that i had already filed a claim that i wont go to the appointment and around two hours later i had recieved a email statingn that the claim was denied even though i gave them all of the information then i was told that they did not look at the camera footage to see that i was on the footage making the {$600.00} cash deposit that didnt post the claims dept. sent me a letter the letter said that i made a claim in the amount of {$00.00} witch was incorrect i had made the claim for {$600.00} cash i need my Social Security deposit back please so i can pay my rent and my bills. need any more information please fill free to contact me please XXXX XXXX XXXX @ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: AL

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, XXXX XXXX  : # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, Dept of EdXXXX : # XXXX, Dept of Ed/XXXX   : # XXXX, Dept of EdXXXX : # XXXX, Dept of EdXXXX  : # XXXX, Dept of EdXXXX : # XXXX, XXXX XXXX  : Account Number Not Provided have 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 2022-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: State Home Mortgage
State: GA

Complaint narrative:
Lost my homeowners insurance due to mortgage company not paying my escrow. Got a call from my insurer in XXXX of 2022 stating they have not recieved escrow, called my mortgage company and they said they paid it. Fastforward to XXXX of 2022 found out my insurance had been canceled due to none payments by my mortgage company I reached out to my mortgage company but they can not give me an answer they told me they will call me back but they have not in over a week. Try calling again but call will not go through. As of today I have no insurance on my home.

Company response to consumer: Closed with explanation