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

Complaint narrative:
In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Bank Account number : XXXX has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( XXXX ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years. 
15 USC 1681sXXXX ( A ) ( XXXX ) 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 2022-10-10 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: AZ

Complaint narrative:
In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Bank Account number : XXXX has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( XXXX ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years.

15 USC 1681sXXXX ( A ) ( XXXX ) 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 2022-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Aqua Finance, Inc.
State: NC

Complaint narrative:
I applied for a water treatment equipment with XXXX XXXX XXXX NC, They came and installed a water treatment equipment that do not operate according to our needs and what they offer me from the beginning of our discussion. 
The seller tell me the I can try the equipment. He asked me to sign a document and I provided my social security number and bank account. A month later Aqua Finance Inc appears in my credit report with a loan for {$8400.00}. I never authorized XXXX XXXX or Aqua Finance to run my credit. 
I contacted Aqua Finance XXXX XXXX water several times and they are ignoring my request regarding my credit inquiry with out authorization. 
Aqua Finance XXXX I spoke with XXXX XXXX Account appears in my credit XXXX XXXX XXXX XXXX : XXXX XXXX email XXXX phone XXXX Mobile XXXX XXXX XXXX email XXXX I NEVER AUTHORIZED XXXX OR AQUA FINANCE to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc.
State: NY

Complaint narrative:
A new collection was put on my credit report by the Stevens Business Service which does not belong to me. The company originally put a collection on my XXXX  account and now they put one in XXXX. Both have been already disputed by me. I never received any details or information prior to them putting the collections in my credit reports. I also already sent a written mail to the company last XX/XX/2022 indicating that this debt in the amount of XXXX for an account number ending in XXXX is not mine and that this is because of identity theft and that they should remove all claims from all my credit reports- which they never did. I never lived in XXXX XXXX nor have I ever had an account in XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
For the past year I have gotten calls from a so called debt collector. They say they are representing XXXX. Of which I'm a current member in service. After contacting XXXX they verified I only have 1 account and it's current. 
I've tried stopping these calls but they continue. 
XXXX says I don't owe them And offered to change my number for free But they contact me on all my numbers. 
This is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10 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: Sequium Asset Solutions, LLC
State: LA

Complaint narrative:
Hi, I originally disputed XX/XX/2022, via mail handwritten letter. I was never notified about a debt I owed with XXXX  ( Orgiinal Creditor XXXX XXXX ) Account # XXXX. I asked XXXX to verify the debt and I never received a response. I included my updated mailing address in the letter to make sure XXXX would know where to respond to my dispute. I also noticed on my credit report a few details didn't match across the credit bureaus which raised some concerns. The Date of last payment doesn't match, and the Date of last Active is different as well. This is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report.

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

Complaint narrative:
I have previously disputed items in my report which was affected by theft. I was reporting fraudulent charges in my previous cards, unknown accounts and inquiries but I do not get any response from the bureaus.

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 2022-10-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc.
State: SC

Complaint narrative:
Account # : XXXX Per 1006.34 Notice for validation of debts ; this account is not outside of federal validation period. 
I C SYSTEM You are not a creditor nor original creditor for this account. In fact, I C SYSTEM is a debt collector. I never had an account with I C SYSTEM. Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. In addition, while the collector attempted to collect a debt that is not theirs, they broke 15 U.S. Code 1692k - Civil liability. 

I C SYSTEM please provide the contract signed between yourself I C SYSTEM & the original creditor, notarized and sworn under penalty and perjury for yourself I C SYSTEM ability to collect this alleged debt. 

This is a formal complaint that you are reporting inaccurate and incomplete credit information. XXXX XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. 
Once again per 1006.34 Notice for validation of debts this account is not outside of federal validation period. 

Verification is # XXXX in debt validation law. Verification is a sworn statement/ affidavit of truth. I have also provided you with XXXX XXXX definition of verification below as you are partaking in willful non compliance 15 U.S.C. 1681n - Civil liability for willful noncompliance. I demand proof of delivery letter within 14 days of reporting account. I request certified mail tracking number. If you cant provide the requested information then I demand that you delete this tradeline asap and cease and desist all collection activity including reporting the account. I will take reasonable steps to get justice for the pain you caused me. 

In pleading. A certain formula with which all pleadings containing new affirmative matter must conclude, being in itself an averment that the party pleading is ready to establish the truth of what he has set forth. In practice. The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. Verification- is not identical with authentication. A notary may verify a mortgagees written statement of the actual amount of his claim, but need not authenticate the act by his seal. XXXX XXXX XXXX, XXXX Ohio XXXX XXXX. Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ; XXXX v. XXXX XXXX. XXXX ( XXXX XXXX ) XXXX Fed XXXX XXXX ; XXXX v. XXXX, XXXX App. 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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the 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 privacy.

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

15 U.S.C 1681c. ( a ) ( XXXX ) 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 records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681sXXXX ( A ) ( XXXX ) 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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the 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 privacy.

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

15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681sXXXX ( A ) ( XXXX ) 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 2022-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
This is regarding a transaction with XXXX XXXX XXXX XXXX I have a one year contract with them. The contract number is XXXX I wanted to use my home warranty plan to cover the cost to replacing my kitchen faucet which had started leaking. I had purchased my own faucet that I wanted to have installed in my kitchen. I contacted XXXX XXXX XXXX XXXX about this and they created a work order for this job. The work order number is XXXX XXXX XXXX assigned this plumbing job to one of their in-network plumbers called XXXX XXXX XXXX and XXXX ''. The date of service was XX/XX/2022 The plumber arrived on the day of service and he indicated that he could replace the leaky faucet ONLY with the replacement faucet that he carried with him and not with the one that we had purchased/wanted. 

We did not like the style/color of the faucet that he carried with him and and since he would not agree to install our chosen faucet, we told him that we did not want his services. 

The plumber left without doing the job but I received a bill from XXXX XXXX XXXX XXXX for the service fee ( {$85.00} ) I tried calling First American but their wait times are too long. I also wrote a letter to them explaining this situation. I have not received any response yet. However, XXXX XXXX has transferred this case to one Debt Collection Agency ( A.R.M Solutions Inc ) and that company keeps sending me mails about outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I bought furniture from XXXX XXXX XXXX XXXX XXXX, NC in XX/XX/2022. XXXX said that I filled all the paperwork out correctly and that they gave TD Bank the correct address to bill me. I never recieved a bill. I got a call from collections telling me that i had not paid. TD Bank will not talk to me becuase the account is in collections. I feel like TD Bank messed this all up, they should be willing to fix it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10 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: RI

Complaint narrative:
Back in XXXX of XXXX disputed several accounts that are listed on my credit report. They were not able to verify nor validate the debt per the Fair Credit Reporting Act or the Fair Debt Collection Practices Act. Verification and Validations of debt are under penalty of perjury and copies of statements of account are not suffice. Also, I required the agency to supply me with a copy of the SSA 89 form which gives authorization to disclose any information involving my social security number. In accordance with the FCRA the accounts below have violated my rights : XXXX UNIVERSITY EMPLOYEES account ending in XXXX XXXX  COLLECTIONS account ending in XXXX XXXX XXXX XXXX account ending in XXXX inquiries by XXXX- CARD SERVICE AND XXXX  CREDIT BUREAU 15 U.S.C . 1681 section 602 A. States I have the right to privacy 1581 U.S.C. 1681 Section 604A Section XXXX also states a consumer reporting agency can not furnish an account without my written instructions.

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

Complaint narrative:
Back in XXXX of XXXX disputed several accounts that are listed on my credit report. They were not able to verify nor validate the debt per the Fair Credit Reporting Act or the Fair Debt Collection Practices Act. Verification and Validations of debt are under penalty of perjury and copies of statements of account are not suffice. Also, I required the agency to supply me with a copy of the SSA 89 form which gives authorization to disclose any information involving my social security number. In accordance with the FCRA the accounts below have violated my rights : XXXX UNIVERSITY EMPLOYEES account ending in XXXX XXXX  COLLECTIONS account ending in XXXX XXXX XXXX XXXX account ending in XXXX inquiries by XXXX- CARD SERVICE AND XXXX  CREDIT BUREAU 15 U.S.C . 1681 section 602 A. States I have the right to privacy 1581 U.S.C. 1681 Section 604A Section XXXX also states a consumer reporting agency can not furnish an 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 2022-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Dear Chase, I am contacting you all about the Chase XXXX XXXX Credit Card that is now closed, but was fraudulently opened in my name and card ends in XXXX. 

I would like to receive via email at XXXX copies of all secure messages sent to and from this account via the app by the individual that fraudulently opened this account as well as all account statements, and all notices and letters that were sent in relation to this account. 

Thanks. 

I appreciate your assistance so far in this urgent and serious matter. 

XXXX Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In XX/XX/2022 I started working with the department of XXXX in the resolution & forgiveness program & all the student loans were out of default status & removed on XXXX & XXXX but not on Equifax & the I talked to the Dept of XXXX & they said they reported for the XXXX old loans to be removed & if they dont in a month to do a dispute with Equifax XXXX So I did a dispute for the XXXX loans & my credit went down XXXX points & then the accts. were removed & then my score went back up & then a week later my score went down again & went down XXXX points!! I went from having a XXXX on fico scoring system to XXXX!! & XXXX to XXXX on vantage XXXX system. All from doing a dispute, before the dispute my credit was good, why would doing this dispute lower my score so much the company on my report for these loans reported it back accurate, its the same info before the dispute so why if they claim its accurate even though its NOT why would this make my score go down tremendously!! It is messing me up from buying a home, I have work tooooo long & hard to fix my credit for Equifax to report inaccurate info. I talked again to the dept of XXXX & they said they will send another request to remove the XXXX accounts. XXXX Of XXXX. acct. XXXX {$11000.00} DEpt of XXXX XXXX {$11000.00} XXXX of XXXX. XXXX {$5800.00} XXXX of XXXX XXXX {$3200.00}. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX If you call this that is being reporting on these accounts it isn't even the dept of Education, a rep. I talked to about this called & she confirmed this is not us, not only is Equifax reporting false info on my report but the company is NOT even a part of the department of education. I dont know who this company is but they are reporting false info & The real dept of education has already notified Equifax to remove these 4 accounts!! Equifax should truly investigate properly & stop putting info on my report that is suppose to be closed & removed!! I appreciate if they correct the manner asap!! THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
In XX/XX/2022, Paypal incorrectly identified me as a seller and tried to collect my social security number. After speaking to customer service over and over again, I clarified that I am not a seller, it did not lead to any resolution. When I refused to hand them this information, they decided to limit my account but did not let me delete my account because they linked my account to " XXXX '' ( recently acquired by paypal ). 

As a consumer, I had no way to delete an account with my banking information and credit card linked to my Paypal account because Paypal decided to use information across accounts without my consent. Since then, they have permanently limited my account and refuse to delete my account and " promising me that my data is safe ''. 

Paypal 's monopoly through its own fintech offering as well Venmo and XXXX should not go unanswered. As a result of my poor experience, I would like to completely stop doing business with Paypal but I can't do so if they also control my other payment alternative - Venmo. 

They not only have a monopoly on payments, they also have a monopoly on consumer 's financial data. After reading Paypal 's reviews on the XXXX website, I'm convinced that their unscrupulous actions have impacted many other consumers.

Company response to consumer: Closed with explanation