vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 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: NJ

Complaint narrative:
I HAVE REACHED OUT TO EQUIFAX FOR HALF OF A YEAR AND THEY KEEP GIVING ME THE RUN AROUND. XXXX HAS REPORTED XXXX INACCURATE ACCOUNTS TO EQUIFAX. THOSE ACCOUNTS ARE XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX EQUIFAX HAS TOLD ME THAT XXXX HAS OPTED IN TO REPORT MY INFORMATION BUT XXXX HAS NEVER GIVEN ME THE OPPORTUNITY TO OPT OUT! 

Information pertaining to student loan accounts EDFINANCIAL : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX are to be excluded from my consumer report. 15 U.SC. 1681 ( a ) ( 2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. XXXX HAD DISCLOSED MY BALANCES TO EQUIFAX AS WELL. If EQUIFAX OR these items from my reports ARENT DELETED FROM MY CREDIT PROFILE effective immediately then I will sue them in civil & FEDERAL COURT and go for monetary damages. I have all of my documentation to prove how many times I've disputed this with the bureaus including copies of complaints filed with the CFPB, that I've tried to resolve this issue yet no one seems to understand the disputes clearly spelled out other than me. Remove all of the outdated accounts now or risk being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: NJ

Complaint narrative:
I HAVE REACHED OUT TO EQUIFAX FOR HALF OF A YEAR AND THEY KEEP GIVING ME THE RUN AROUND. XXXX HAS REPORTED 11 INACCURATE ACCOUNTS TO EQUIFAX. THOSE ACCOUNTS ARE XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX EQUIFAX HAS TOLD ME THAT XXXX HAS OPTED IN TO REPORT MY INFORMATION BUT XXXX HAS NEVER GIVEN ME THE OPPORTUNITY TO OPT OUT! 

Information pertaining to student loan accounts XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX are to be excluded from my consumer report. 15 U.SC. 1681 ( a ) ( 2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. XXXX HAD DISCLOSED MY BALANCES TO EQUIFAX AS WELL. If EQUIFAX OR these items from my reports ARENT DELETED FROM MY CREDIT PROFILE effective immediately then I will sue them in civil & FEDERAL COURT and go for monetary damages. I have all of my documentation to prove how many times I've disputed this with the bureaus including copies of complaints filed with the CFPB, that I've tried to resolve this issue yet no one seems to understand the disputes clearly spelled out other than me. Remove all of the outdated accounts now or risk being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

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 2022-09-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

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 2022-09-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: NJ

Complaint narrative:
I HAVE REACHED OUT TO EXPERIAN FOR HALF OF A YEAR AND THEY KEEP GIVING ME THE RUN AROUND. XXXX HAS REPORTED 11 INACCURATE ACCOUNTS TO EXPERIAN. THOSE ACCOUNTS ARE XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX EXPERIAN HAS TOLD ME THAT XXXX HAS OPTED IN TO REPORT MY INFORMATION BUT XXXX HAS NEVER GIVEN ME THE OPPORTUNITY TO OPT OUT! 

Information pertaining to student loan accounts XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX are to be excluded from my consumer report. 15 U.SC. 1681 ( a ) ( 2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. XXXX HAD DISCLOSED MY BALANCES TO EXPERIAN AS WELL. If EXPERIAN OR these items from my reports ARENT DELETED FROM MY CREDIT PROFILE effective immediately then I will sue them in civil & FEDERAL COURT and go for monetary damages. I have all of my documentation to prove how many times I've disputed this with the bureaus including copies of complaints filed with the CFPB, that I've tried to resolve this issue yet no one seems to understand the disputes clearly spelled out other than me. Remove all of the outdated accounts now or risk being sued.

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 2022-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
Pollack and Rosen P.A. on XX/XX/XXXX claim to have mailed an Affidavit of Amount Due to me which included a claim of default of payment. This AOD never arrived at my address and a Final Judgement for Payment and Fact Information sheet was ordered in favor of Pollack and Rosen P.A.. I was shocked when I received this Final Judgment and FIS on XX/XX/XXXX. Pollack and Rosen P.A. has been notified several times by me from XX/XX/XXXX- XX/XX/XXXX that they made mistakes and asked to correct the mistake, and amount with the courts, or send me the date of the allegid default. I was not in default and the amount Pollack and Rosen is asking for is more than I owe. I make/made my payments No default exhists, that the A.O.D. never arrived to my address and was never scheduled for delivery. I was unaware of this new court action. Pollack and Rosen P.A. has not responded to any communication from me, and because of no response I was Forced under stress and duress to Pay {$440.00} within 45 days or return the Fact Information sheet which required I provide under oath the social security numbers and birth dates of myself and spouse, the names and address of my children, ALL finacial accounts including spouses ( who never had a connection to the credit card ). with account numbers, auto titles, property deeds, names and addresses of anyone I sold items to of {$100.00}. or more and names and addresses of anyone who owed money to me. This FIS is extream asking for public and non public private information and on an amount under {$500.00} and in my personal oppinion an invasion of privacy and questionable what is done with this information since the information would have no gurantee of protection. At the moment defamation of my charcter and unfair dept collection practices seem reasonable. Pollack and Rosen P.A. intent in my eyes since they have been advised several times of the mistake and asked to correct their mistake seems clear to me. The intent is not a mistake and appears to me to unfairly collect money or personal non public very detailed financial information by way of missing mail, order of FIS return or pay Final Judgement, and breech of court agreement ( Order Directing Payments XX/XX/XXXX ) by forcing me to pay all now instead of the court ordered monthly payment and asking for more than I owe. I paid what was owed. Personallyl I would like the {$440.00} returned to me and I resume the court ordered payments as Described in the Order Directing Payments XX/XX/XXXX and the court records corrected to show no default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: GA

Complaint narrative:
During the months of XXXX, XXXX and XXXX I have consistently notified all three credit reporting agencies that the name and negative credit information on my credit report belongs to someone else. I personally believe they are ignoring information such as : SS #, Address, account # s and the name and information of someone who has never appeared on my credit report for over 30 years of my life is now being added to my credit file on a monthly basis. I dont know who this person is and I have disputed these illegitimate entries but I truly believe the credit reporting agencies are purposely gathering false information or purposely not ensuring they have the right consumers information.

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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
During the months of XXXX, XXXX and XXXX I have consistently notified all three credit reporting agencies that the name and negative credit information on my credit report belongs to someone else. I personally believe they are ignoring information such as : SS #, Address, account # s and the name and information of someone who has never appeared on my credit report for over 30 years of my life is now being added to my credit file on a monthly basis. I dont know who this person is and I have disputed these illegitimate entries but I truly believe the credit reporting agencies are purposely gathering false information or purposely not ensuring they have the right consumers information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: GA

Complaint narrative:
I contacted all 3 Credit Bureaus on multiple occasions about fraud that was on my account and even sent in a police report and they keep giving me the run around saying they did not receive it. I mailed it to them 2 times and faxed it to them 2 times swell. Please help me with this situation, because this is not right. I am the victim here and they are not honoring a valid police report. If not corrected then I will have to file litigation which should not be pessary because I have a report that I filed showing identity theft.

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 2022-09-12 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: MI

Complaint narrative:
I did not initiate these inquiries section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please kindly check the FTC REPORT I ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted all 3 Credit Bureaus on multiple occasions about fraud that was on my account and even sent in a police report and they keep giving me the run around saying they did not receive it. I mailed it to them 2 times and faxed it to them 2 times swell. Please help me with this situation, because this is not right. I am the victim here and they are not honoring a valid police report. If not corrected then I will have to file litigation which should not be pessary because I have a report that I filed showing identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted all 3 Credit Bureaus on multiple occasions about fraud that was on my account and even sent in a police report and they keep giving me the run around saying they did not receive it. I mailed it to them 2 times and faxed it to them 2 times swell. Please help me with this situation, because this is not right. I am the victim here and they are not honoring a valid police report. If not corrected then I will have to file litigation which should not be pessary because I have a report that I filed showing identity theft.

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 2022-09-12 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 — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In XXXX i got a computer at XXXX   online store then dsys lster the purchase was cancelled cause they lost in delivery so they cancell but never give me refund for 2 months installments payments i did. Then not only that On XXXX XX/XX/XXXX got XXXX  charged for XXXX Plus XXXX trade in Not only that they restarted the monthly installments payment from XXXX today so they charging 3 times same purchase and never got the product. 
Please see the pictures they says all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: MI

Complaint narrative:
I did not initiate these inquiries section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please kindly check the FTC REPORT I ATTACHED

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