vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 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: FL

Complaint narrative:
I recently received a copy of my Experian Report and I noticed some Inaccurate Collections information being reported to my consumer report without my CONSENT. In accordance with the Fair Credit Reporting Act, Everything MUST be 100 % accurate on my credit report. The credit bureau stated my account was properly investigated but how is this possible if the open dates are inaccurate, the last day activity is inaccurate and the last day reported is also inaccurate. THIS IS MULTIPLE VIOLATIONS OF MY CONSUMER RIGHTS AND GROUNDS FOR DELETION. 

15 USC 1681s-2 ( A ) reporting information with actual knowledge of errors.

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 the information is inaccurate.

15 USC 1681s-2 SECTION B-Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate.

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) ay consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I HAVE NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2022-10-07 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2022-10-07 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2022-10-07 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: IL

Complaint narrative:
I filed a complaint with the company and the consumer financial protection bureau XX/XX/2022 in regards to XXXX  publishing my information per the CRAS. XXXX is in clear violation of the law, the initial complaint was about them publishing transactions on my credit report in which pursuant to 15 usc 1681b- permissible purposes of consumer reports-a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the Fair credit reporting act 15 usc 1681 ( 2 ) ( a ) ( I ) - ( 2 ) -EXCLUSIONS-Except provided in paragraph ( 3 ), the term consumer report does not include- A ) -subject to section 1681s-3 of this title, any- ( i ) - reporting containing information solely as to transactions or experiences between the consumer and person making the report ; The reporting of my experience and transactions is illegal and furthermore has damaged my character, my reputation, my general mode of living, bd my ability to obtain credit for personal and house purposes.

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 2022-10-07 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: IL

Complaint narrative:
I filed a complaint with the company and the consumer financial protection bureau XX/XX/2022 in regards to XXXX publishing my information per the CRAS. XXXX is in clear violation of the law, the initial complaint was about them publishing transactions on my credit report in which pursuant to 15 usc 1681b- permissible purposes of consumer reports-a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the Fair credit reporting act 15 usc 1681 ( 2 ) ( a ) ( I ) - ( 2 ) -EXCLUSIONS-Except provided in paragraph ( 3 ), the term consumer report does not include- A ) -subject to section 1681s-3 of this title, any- ( i ) - reporting containing information solely as to transactions or experiences between the consumer and person making the report ; The reporting of my experience and transactions is illegal and furthermore has damaged my character, my reputation, my general mode of living, bd my ability to obtain credit for personal and house purposes.

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 2022-10-07 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: 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. 

The following Accounts have violated my rights : XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX XXXX  XXXX XXXX, XXXX - # XXXX I. XXXX XXXX, XXXX - # XXXX I. 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 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 explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: TN

Complaint narrative:
A personal loan was advertised to me through XXXX XXXX from XXXX XXXX. The application was filled out and approved on XX/XX/2022. 
XXXX XXXX has been sending me statements every month for this account. According to XXXX 's XXXX XXXX, a " Billing Statement '' is a written record prepared by a financial institution, usually once a month, listing all credit card transactions for an account, including purchases, payments, fees and finance charges. It may be mailed to consumers or provided electronically online. Also called a monthly statement or periodic statement. 
Accepting payment directly from me and redeeming the coupon/check is double dipping and is illegal. 
On XX/XX/2022 I sent the XXXX of Lending Point, XXXX XXXX, a letter with instructions and full payment for the remaining balance of the loan. That same letter was sent back to me on XX/XX/2022 along with a copy of the loan agreement and account statements. 
The payment was not sent back. The payment was kept. 
The balance does not reflect the account being fully satisfied. 
Lending Point has failed to uphold it's responsibility as the trustee to the trust and have not acted in the best interest of the beneficiary which is considered fraud. Lending Point has refused to accept my Negotiable Instrument as payment, however, Lending Point has never returned the negotiable instrument sent via certified mail therefore that is acceptance of value per UCC 3-603.

The payment has been made and Lending Point has refused to place a {$0.00} balance on the ledge paid by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: TX

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCP Holdings, L.P.
State: TX

Complaint narrative:
15 U.S CODE 1861 ( b ) company did not tell me that they transferred my account and was not aware of the company that debt was sent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc.
State: TX

Complaint narrative:
Nationwide Credit & Collection is inaccurately reporting a debt on my XXXX Credit Bureau report, in the amount of {$790.00}. I called to inquire about this debt and was told they are collecting for a medical bill. I told Nationwide Credit and Collection Inc., I do not owe any XXXX debt to anyone. I requested Nationwide Credit and Collection to validate the debt belongs to me by providing me with a document bearing my signature according to the Fair Debt Collection Practice Act. And I was told they do not have anything bearing my signature. I have repeatedly asked for evidence to support their reporting on my credit report. Nationwide Credit & Collection have failed to provide me with a copy of viable evidence to support their false claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
I recently received a copy of my XXXX Report and I noticed some Inaccurate Collections information being reported to my consumer report without my CONSENT. In accordance with the Fair Credit Reporting Act, Everything MUST be 100 % accurate on my credit report. The credit bureau stated my account was properly investigated but how is this possible if the open dates are inaccurate, the last day activity is inaccurate and the last day reported is also inaccurate. THIS IS MULTIPLE VIOLATIONS OF MY CONSUMER RIGHTS AND GROUNDS FOR DELETION. 

1

5 USC 1681s-2 ( A ) reporting information with actual knowledge of errors.

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 the information is inaccurate.

15 USC 1681s-2 SECTION B-Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate.

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) ay consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I HAVE NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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 XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
Continental Identity Monitoring Credit Protection XXXX Website : XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXXXXXX Connected with my Continental Credit FIT Card added this service and I do not remember ever adding it. However, I have attempted to cancel it numerous times. Today I spoke with agent maned XXXX and she stated she could not cancel over the phone and I needed to do it in-line. But we could not locate WHERE to do it online. 

Every time I apply for credit it demands I send proof of identity numerous paperwork Identifying such as drivers listens, social security card, proof of residence etc. very annoying and is preventing me from applying for credit. I believe this bordered on fraud and or spam as I did not order this and have no means to cancel it. 

Please tell me what I can do or if you can contact them to cancel this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA 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 2022-10-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my XXXX Report and I noticed some Inaccurate Collections information being reported to my consumer report without my CONSENT. In accordance with the Fair Credit Reporting Act, Everything MUST be 100 % accurate on my credit report. The credit bureau stated my account was properly investigated but how is this possible if the open dates are inaccurate, the last day activity is inaccurate and the last day reported is also inaccurate. THIS IS MULTIPLE VIOLATIONS OF MY CONSUMER RIGHTS AND GROUNDS FOR DELETION. 

XXXX XXXX XXXX ( XXXX ) reporting information with actual knowledge of errors. 
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 the information is inaccurate. 
XXXX XXXX XXXX XXXX B-Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX ) the information is, in fact, inaccurate. 


Under XXXX XXXX XXXX Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) ay consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I HAVE NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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:
Transunion CFPB Complaint Transunion has reported the below accounts to my consumer report. This is a violation of my rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I never gave Transunion any written instructions to do so. Transunion has also failed to exercise its grave responsibility to respect my right to privacy for its profit. The reporting of this information has ruined my representation as a consumer in commerce. It has made it difficult to purchase a home and receive above-par medical treatment as a living human being. 

In accordance with the Fair Credit Reporting act the below creditors/ collection violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement 15 U.S.C 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy.

15 U.S.C 1681b Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions Delete the following accounts. XXXX XXXX are not to be reported and are longer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Requesting {$1000.00} for each violation of reporting after this was demanded to be removed by the 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 2022-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I recently joined XXXX, and when I was checking my credit history and I found an account from affirm that is not me. there was only one payment made on it and it went to a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMCB CARD SERVICES Reported : XXXX XXXX, 2022 Balance Credit limit {$20000.00} Improper use of my credit report. Fraudulent In accordance with the fair credit reporting act, this creditor, JPMCB CARD SERVICES has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy.

15 U.S.C. 1582 section 604A state to consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose It is my request that this account be removed from my credit bureau of XXXX and any other credit bureau

Company response to consumer: Closed with explanation