vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 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: NY

Complaint narrative:
I have mailed XXXX on 4 different occasions in regards to an account with XXXX that reflects negatively on my credit report. I have elaborated with the company I have been a victim of identity theft and requested that XXXX investigate the following matter and remove the account. I have never received any rebuttal from the company which leaves me with no option but to reach the CFPB. 



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 2022-04-05 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 — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: LA

Complaint narrative:
My debit card was used for several merchants that I didnt authorize. I contacted chime to inform of the charges and was also able to provide proof I didnt make the charges. Chime denied my dispute and also denied the dispute as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: NJ

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX BANK 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 2022-04-05 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: NJ

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX Late Payment XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX Late Payment 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 2022-04-05 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: NJ

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX BANK 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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Mountain America Credit union has been pulling me in every so direction. Led me the wrong way when it came to financial situations. Its been over a year and I havent gotten anything. Resolve I just keep asking for help and they dont seem to get it. Some where it doesnt make sense as it is not getting handle. Its getting stopped or giving them more time to stall. I am very frustrated. I have been asking for help with payments and loans and business loan they kept saying they dont offer business or any relief or anything. They made us upside down on our auto loan. I dont know who else to talk to. They pulled our credit several times.they never offered help, we went in about 3 times and called over 5 times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 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:
My XXXX XXXX auto loan is reporting to credit bureau saying that I was 30 days past due back in XXXX of 2020. I have bank account statements saying I paid the monthly bill in full in XXXX of 2020. This negative credit item is affecting me with buying my first home. I have disputed this with XXXX  XXXX and the 3 credit bureau but they will not change it to the correct information. Equifax has the information right but the other two bureaus do not have the information correct. I feel like I am getting bullied by XXXX XXXX and the credit bureaus. Every time I call they do not care and give me hard time every time. Its very frustrating. Now by law im going to use my rights. The bureau 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 2. It states a consume reporting agency can not furnish a account without my written instructions. 

Since the credit bureaus and XXXXXXXX XXXX do not want abide by the law hopefully this will make my credit report accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PRONTO FINANCE INC.
State: NV

Complaint narrative:
I purchased a vehicle from Pronto finance in XXXX, IL in XXXX of XXXX. I always paid my car payments on time for the full four years it was due, I made what should have been my last payment on XX/XX/XXXX only to be now told I owe fees from XXXX. I never heard about any fees getting accessed when I paid my car loan both in person and over the phone I asked why was I not told of these alleged fees until now and got no answers. They claim it was penalty fees for not having insurance to which I answered I have been asked about insurance every since I owed the car and always provided it and never received any response afterward also I stated since I have changed insurances several times since XXXX I have no idea who I was insured with at that time. If I owed fees for the years XXXX why wait until the car is paid off to tell me? The car is paid in full along with the interest, why should I pay for fees I never knew anything about? After not hearing anything about fees for four years they are now calling trying to get what is no more than extra money. I don't think it is a good business practice for a finance company to charge fees for years and not tell the consumer until the end. After having this issue with them I read their reviews and noticed others stating how they charged them fees and never told them about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: NY

Complaint narrative:
Enclosed is a copy of identity theft report for fraudulent inquiry XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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:
In accordance with the Fair Credit Reporting Act XXXX XXXXl # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX Auto # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy. 

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-04-05 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: MD

Complaint narrative:
I, XXXX XXXX who is a natural person/consumer is a victim of identity theft and the accounts and inquiries I need deleted from my consumer report are listed in the report. I already tried to resolve this issue after numerous of attempts. Pursuant 15 USC 1681, the consumer reporting agencies has failed to perform its vital role in regards to exercising its grave responsibilities with fairly and accurately reporting information on my consumer report. Furthermore, pursuant 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR THESE CONSUMER REPORTING AGENCIES TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! NO CONSENT IS IDENTITY THEFT! Their actions is damaging my reputation, character, credit worthiness since their failing to follow reasonable procedures to assure maximum possible accuracy of the information being reported on my consumer report per 15 USC 1681e ( b )

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 2022-04-05 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: NV

Complaint narrative:
It has been been past 30 days and XXXX has failed to verify the incorrect information of the account selfinclead credit card XXXX. By law after 30 days you must legally remove this account per FCRA. In addition to not receiving any type of letter or email from XXXX theyre reporting inaccurate and unjust information. The reason Im asking for this account to be taken off my credit report also includes Them reporting a passed due balance of XXXX dollars that has been paid in full and different dates when the account was open and last active. I have certified mail XX/XX/XXXX and XX/XX/XXXX they have not responded to either of them which has now placed the account dispute 30 days passed which legal they must remove this account from my credit file and have failed to do so.

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 2022-04-05 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: TX

Complaint narrative:
The creditor has violated my rights by failing to verify the debt and correctly report accurate information on my credit report. 

failing to identify who holds the debt using the telephone to harass debtors by calling anonymously or making repeated or continuous calls I sent a letter to matco tools asking for : 1. Validation of the debt-that is, the actual accounting.

2. Verification of the signed invoice 3. A copy of the contract binding both parties ( You and them ), in a letter by " certified mail '' so that there is an independent " witness to it having been delivered ''.

However according to 15 Usc 1692e, 15 usc 1692d and 15 usc 1692b Not using any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a 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 2022-04-05 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: TX

Complaint narrative:
The creditor has violated my rights by failing to verify the debt and correctly report accurate information on my credit report. 

failing to identify who holds the debt using the telephone to harass debtors by calling anonymously or making repeated or continuous calls I sent a letter to matco tools asking for : 1. Validation of the debt-that is, the actual accounting.

2. Verification of the signed invoice 3. A copy of the contract binding both parties ( You and them ), in a letter by " certified mail '' so that there is an independent " witness to it having been delivered ''.

However according to 15 Usc 1692e, 15 usc 1692d and 15 usc 1692b Not using any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: FL

Complaint narrative:
I took out an installment loan for {$3000.00}. After two months, I have paid back {$1200.00}. They are telling me that the current balance is over {$3000.00}. The interest rate cant be right or legal. How are they claiming that all payments go to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit inquiry made today on my credit report from XXXX XXXX bank. I was not aware of it nor did I authorize this. I was notified by 2 of my credit monitoring companies.

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 2022-04-05 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: MD

Complaint narrative:
I, XXXX XXXX who is a natural person/consumer is a victim of identity theft and the accounts and inquiries I need deleted from my consumer report are listed in the report. I already tried to resolve this issue after numerous of attempts. Pursuant 15 USC 1681, the consumer reporting agencies has failed to perform its vital role in regards to exercising its grave responsibilities with fairly and accurately reporting information on my consumer report. Furthermore, pursuant 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR THESE CONSUMER REPORTING AGENCIES TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! NO CONSENT IS IDENTITY THEFT! Their actions is damaging my reputation, character, credit worthiness since their failing to follow reasonable procedures to assure maximum possible accuracy of the information being reported on my consumer report per 15 USC 1681e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: MD

Complaint narrative:
I, XXXX XXXX who is a natural person/consumer is a victim of identity theft and the accounts and inquiries I need deleted from my consumer report are listed in the report. I already tried to resolve this issue after numerous of attempts. Pursuant 15 USC 1681, the consumer reporting agencies has failed to perform its vital role in regards to exercising its grave responsibilities with fairly and accurately reporting information on my consumer report. Furthermore, pursuant 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR THESE CONSUMER REPORTING AGENCIES TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! NO CONSENT IS IDENTITY THEFT! Their actions is damaging my reputation, character, credit worthiness since their failing to follow reasonable procedures to assure maximum possible accuracy of the information being reported on my consumer report per 15 USC 1681e ( b )

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