vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

In regards to account reporting as : XXXX XXXX XXXX or XXXX ( account # 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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate credit information on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be removed immediately : Account name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX, XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, _________________________________________ 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 2023-06-14 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:
Well these credit companies have been using my social security number fraudulently with the banks for a while ..Ive been scammed lied to and at this point they gaslighting wanting me to believe Ive never had any credit..The banks blames the credit companies and the credit companies blames the banks.The bottom line is that my trust was broken and violated. ( MEANING ) STOP saying Im the DEBTOR on and account!!!!!!!!!!!!! I am BENEFICIARY/ XXXX on all of my accounts with my SSN number.These credit companies lied and have several VIOLATIONS that have made on my account.I hold these bureaus or the UNTITED STATES TREASURY responsible for this ..I will no longer be treated poorly and lied to like a dog.15 usc 1681 will update you on what your job is.Nothing about these companies is TRUTH OR LENDING the trust is broken and I want to be reimbursed for PERSONALLY REDLINING me to the XXXX.I can prove all the credit companies lied on my reports I have never been approved for any CREDIT until recently which was a car financial charge for my car.But besides that A BIG FAT NOdue to CREDIT REPORTING.EVERY CAR LOAN DENIEDI JUST APPLIED FOR A APARTMENT DENIED.EVERY time I apply for any type of credit card from any MERCHANT. ( DENIED )!!!!!!!!!!!!!!! I dont understand how Im denied when XXXX XXXX is ACTIVEEEEEEEWho works for the LIVING WOMAN or MAN???? Ive been lied to and DECEIVED MY WHOLE ENTIRE LIFE!!!!!!!!!!!!!!! ! Forced to sit hungry instead of receiving CREDIT CARDS TO PURCHASE FOOD or things for my family needs.This is unacceptable when THESE same CREDIT COMPANIES give XXXX  and also XXXX CREDIT CARDS n loans all day every day.WHAT IS GOING ON????? CFPB.???????????? Why are XXXX receiving CREDIT LINES AND LOANS and me as BORN N RAISED in the UNITED STATES OF AMERICA denied my whole LIFE?????!!!!!!!!??? I am not asking Im TELLING YOU GUYs to do your job and hold these fraudulent companies responsible for redlining SO CALLED XXXX AMERICANS..Im not XXXX Im XXXX to this land and will be treated like any other customer.The discrimination and racist actions needs to be investigated the banks and credit companies until they stop DECEIVING LOYAL AMERICANS that is protected thru the CONSTITUTION.Have you guys forgot the OATH you all took????? Well Ucc 1-308 just in case you forget..However get this complaint please do right by the people and please stop letting these corrupt companies ruin good relationships with honest BEINGSI want 1,000 per violations found by theses credit companies and I will be consulting legal options because this is truly unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
Tower Loan sent someone to my house in XXXX to place a letter on my door, this is trespassing. I called and spoke to XXXX ( Store Manager ) and told him I was having trouble paying my loan and DO NOT send no one to my house again, he informed me that he was in his legal right to come to my house whenever he pleased. I told him do it again and see what happens. I asked him not to call my employer or my family, Tower Loan continues to do so now it's harassment. I've filed a complaint with Texas OAG and now with CFPB. They continue to call my phone and my job. The employer is sick of it and so am I we about to take legal action due to harassment at a place of business. 

Today I will send a cease-and-desist letter priority mail to see if they get the point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have told this company to send into writing to send over a copy of my signature dealing with them and they have failure to do so. They hav an address I have not used because its my moms address. I have also told them this was identity theft and they in turn told me I was a part of it and XXXX from it. I get class from XXXX and XXXX repeatedly asking to speak with me. They do not have paperwork with my signature on it and nor have I ever done business with this company and would like them to stop trying to contact me cause now its harassment. I also sent them over the police report about the identity theft and they refuse to stop bothering me. Please HELP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
In XXXX, I turned in my BMW XXXX months early to upgrade to new lease. XXXX XXXX, the XXXX, from BMW XXXX XXXX, offered to pay my last XXXX months XXXX and new lease would start in XXXX. We signed the deal. 

Approx around XXXX I started to receive collection calls stating I owed {$380.00} from BMW Financial XXXX They never fully explained what the {$380.00} was for. I explained that Manager, XXXX XXXX BMW XXXX XXXX paid XXXX months of my lease so I could upgrade and start new lease. I began to contact both XXXX ( my salesmen ) and XXXX XXXX and BMW XXXX XXXX. They submitted proof to BMW Financial that this was paid. I continued to receive calls and I continued to refer them back to XXXX and send them his correspondence with me. Finally, the calls stopped. In XX/XX/XXXX, I received a call and explained to the man on the phone and I said I can send proof. He said it wasn't necessary and that I should just pay it. That it would be easier to pay it. I said no, I do not owe you that money. In later XX/XX/XXXX, BMW financial reported this amount to my credit and marks it as late every month. I did a dispute in the XXXX app and send all the information again from XXXX XXXX XXXX and correspondence and they denied my claim. This whole thing doesn't seem legal and is shocking that BMW would treat an 8 year loyal customer with impeccable lease payment history like this. They also never fully explained the {$380.00} amount, my lease payments were much higher than this. This should've been handled between BMW financial and BMW XXXX XXXX. 

Here is a copy of XXXX of XXXX XXXX 's messages to me Like I mentioned in yesterday email, we made XXXX payments from XXXX to XXXX on your behalf and since your lease ends in XXXX, XXXX does not require you to make the XXXX payment. You need to find out what payment BMWFS is asking for. 

Hoping for immediate resolution and my credit to be mended ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: LA

Complaint narrative:
It is unacceptable to see late payments on my account, and I urge you to correct this error 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 non-monetary relief
Consumer complaint received 2023-06-14 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: OH

Complaint narrative:
Ive asked that two negative credit accounts that are closed XXXX XXXX XXXX XXXX and XXXX XXXX ) and have been opened more than7 years ago, be removed from my report. They have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act ) IN COLLECTIONS XXXX XXXX XXXX, XXXX LATE PAYMENTS, XXXX XXXX XXXX LATE PAYMENTS, XXXX XXXX, XXXX XXXX XXXX XXXX LATE PAYMENTS, XXXX XXXX XXXX LATE PAYMENTS, 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. 

According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts. 

THE LATE PAYMENTS REMOVE OR DELETE THE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: MI

Complaint narrative:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act ) IN COLLECTIONS XXXX XXXX XXXX XXXX LATE PAYMENTS, XXXX XXXX XXXX  LATE PAYMENTS, XXXX XXXX, XXXX XXXX XXXX XXXX LATE PAYMENTS, XXXX XXXX XXXX LATE PAYMENTS, 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts. 

THE LATE PAYMENTS REMOVE OR DELETE THE ACCOUNTS.

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 2023-06-14 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: Kubota North America Corporation
State: TX

Complaint narrative:
Kubota Financial after receiving a full payoff from their sister insurance company ( XXXX XXXX ) for the vehicle loan, falsely reported the account as delinquent two months later.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
This bill is medical bill from XXXX XXXX  the new laws indicate no show on report. It appears the debit was obtained in XX/XX/23 with the deceit to appear as non medical bill and continue to show on report. I am requesting all medical bills be removed immediately thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I just did some extra research and I am highly upset of this issue, I have tried fixing this issue with the credit bureaus with my addresses before I noticed they still haven't fixed it, and I still have much more unauthorized inquires, what is wrong with you guys, please help me to get them to fix these errors on my 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 2023-06-14 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem.

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I found some hard inquiries on my credit report that I am not aware of.

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 2023-06-14 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: OH

Complaint narrative:
The company, XXXX XXXX has been very uncooperative with communication. I have emailed and called with out a response. I have paid my debt in full, and they refuse to update my account. My account became late due to technical issues on the app, of which I attempted contact with the company and the attempts were unsuccessful. I have proof that the account was paid, but it still is reported on my credit reports ( Experian, XXXX and XXXX ) as unpaid, charged off with inaccurate late payments. I have disputed with the credit agencies as well, and they have not been able to show proof that they have verified the debt.

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 2023-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: OH

Complaint narrative:
This company charged 599 % interest, which my uncle, who is an attorney in Ohio, states is against federal and state law. I have contacted the company several times and offered to pay back the principal only but they just keep saying that they are XXXX owned and not beholden to state or federal law but court cases say otherwise. It seems this company is subverting the law to fleece people out of ungodly interest rates. 

You guys need to act to protect consumers from this shark lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GVA Holdings, LLC
State: KY

Complaint narrative:
I tried to get a loan. When their instant verification system failed, I tried to chat with them to fix the issue. I was kicked off chat 5x. I finally called in and was told that I needed to email in 3 months of bank statements. I did, checking my sent emails to make sure all 3 were attached. I called in again and was told that I only sent in 1, that I needed to send in all 3 again. I did and was told they still only got one. I told them that I checked my sent emails AGAIN, and all 3 were sent. I told them to forget it, that if it was that hard to get a loan from them, I didnt want it. I asked for my information to be deleted and to be unsubscribed from everything. The guy said sure. I KEPT getting emails and calls. I then got an email that my loan had adverse action and they wouldnt give me a loan- after I ASKED it be deleted. Then I went online and unsubscribed AGAIN. I thought it was over, but just this morning, I got ANOTHER email saying that if I didnt take action, my application would be deleted on XX/XX/15. This after Id spoken to a rep asking for everything to be deleted AND unsubscribing online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
an individual sent me a link to a brokerage that was a fraudulent copy of XXXX  and used it to steal XXXX dollars. The website was an exact copy of the real one its still up, listed at XXXX XXXX XXXX. I was told to transfer money into my account using XXXX XXXX so i could trade stocks but the website was just a way to capture the money it was not functional in any capacity for trading after i found out i could not withdraw my money. Once the money was deposited none of the withdrawal features took place. I contacted truist bank and in a chronological timeline showed all the screenshots of my transactions, messages between me and the scammer, his XXXX  wallet address, and him mocking me after the fraud was revealed. I have now filed a complaint to the FBI and have signed under oath my statement. This scam has XXXX XXXX XXXX XXXX  and caused XXXX because i have bills and family obligations and this money was wrongfully taken away from me. I can send the full report i sent the bank will all evidence if i am provided an email address to sent it to.

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 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late.

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