vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I submitted an earlier CFPB complaint XXXX related to this company. In that complaint, this company said it would put this debt on hold and verify information with the creditor, and then the complaint was closed as problem not addressed. Today, again I received another text message from this company and harassed me on the debt that i do not owe. It say This is XXXX XXXX XXXX  ( a debt collector ) regarding XXXX XXXX. We provide self-service XXXX Reference file # XXXX. To opt out, reply STOP. 
my complaint is, this company never verified my information before sending the collection letter to an address thats no associated with XXXX 2nd, it says it would put the debt on hold yet it never did and lied in its response to CFPB complaint XXXX. XXXX, it keeps harassing me with the debt and resumed the debt collection practice after CfPB closed the previous complaint. Please do something and ditch those bad collection agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: KY

Complaint narrative:
GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$6400.00} I'm not aware of this account I've tried to take it off and it has not been removed Account : XXXX XXXX XXXXXXXX XXXX date open XX/XX/XXXX balance XXXX not aware of this account and I've tried to have it removed and disputed but it has not been taken off XXXX XXXX XXXX XXXXs account number XXXX XXXX date open XX/XX/XXXX balance zero Had it account removed but it's still on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date open XX/XX/XXXX balance {$1500.00} not aware of this account and I've had it removed and it's still on my credit

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 2022-12-18 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX date open XX/XX/XXXX balance {$6400.00} I'm not aware of this account I've tried to take it off and it has not been removed Account : XXXX XXXX  XXXX XXXX date open XX/XX/XXXX balance XXXX not aware of this account and I've tried to have it removed and disputed but it has not been taken off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date open XX/XX/XXXX balance XXXX Had it account removed but it's still on my cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date open XX/XX/XXXX balance {$1500.00} not aware of this account and I've had it removed and it's still on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: VA

Complaint narrative:
I had filed a complaint before with CFPB about fraud and identity theft using reporting and selling my data and information without my written consent from me. It is called fraud and Identity theft when your information and data are gathered stored sold and that information is making you be seen in a bad light. My privacy is important and should not be sold by an agency to all to examine. My name and any derivatives of it are copyrighted on the public record and can not be used unless written permission with my wet signature. No Credit Reporting Agency, TransUnion, XXXX, XXXX, Lexis Nexus Core Logic, or any other corporation, court municipalities, Federal, or State is allowed to use it without my wet signature, Debt collectors that have been given and sold my information have violated my privacy.

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 2022-12-18 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: VA

Complaint narrative:
I had filed a complaint before with CFPB about fraud and identity theft using reporting and selling my data and information without my written consent from me. It is called fraud and Identity theft when your information and data are gathered stored sold and that information is making you be seen in a bad light. My privacy is important and should not be sold by an agency to all to examine. My name and any derivatives of it are copyrighted on the public record and can not be used unless written permission with my wet signature. No Credit Reporting Agency, XXXX, XXXX, Experian, XXXX XXXX XXXX XXXX, or any other corporation, court municipalities, Federal, or State is allowed to use it without my wet signature, Debt collectors that have been given and sold my information have violated my privacy.

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 2022-12-18 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX inquiry date XXXX XXXX business type federal government this is an inquiry not made by me not aware of this inquiry XXXX XXXX inquiry date XX/XX/XXXX business type Jewelers inquiry made not by me not aware of this XXXX XXXX inquiry date XX/XX/XXXX tenant services inquiry made not by me not aware of this XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me

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 2022-12-18 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: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX inquiry date XXXX XXXX business type federal government this is an inquiry not made by me not aware of this inquiry XXXX XXXX inquiry date XX/XX/XXXX business type Jewelers inquiry made not by me not aware of this XXXX XXXX  inquiry date XX/XX/XXXX tenant services inquiry made not by me not aware of this XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX business type automotive dealer inquiry not made by me XXXX XXXX  XXXX XXXX inquiry date XX/XX/XXXX this is type automotive dealer inquiring not made by me I've tried to have it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX slash XXXX inquiry not made by me XXXX XXXX XX/XX/XXXX inquiry not paying by me

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 2022-12-18 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: KY

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX date XX/XX/XXXX business type automotive dealer inquiry not made by me XXXX XXXX  XXXX XXXX inquiry date XX/XX/XXXX this is type automotive dealer inquiring not made by me I've tried to have it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX car sales inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX slash XXXX inquiry not made by me XXXX XXXX XX/XX/XXXX inquiry not paying by me

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 2022-12-18 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: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX date XX/XX/XXXX business type automotive dealer inquiry not made by me XXXX XXXX XXXXXXXX XXXX inquiry date XX/XX/XXXX this is type automotive dealer inquiring not made by me I've tried to have it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  car sales inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX slash XXXX inquiry not made by me XXXX XXXX XX/XX/XXXX inquiry not paying by me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
So I went to XXXX XXXX  XXXX XXXX XXXX XXXX  back in XXXX eventually, because of delay of FASFA I couldnt attend anymore thing is I never to my knowledge used my FASFA to pay for anything to my knowledge after no longer attending XXXX as of this year ( XXXX ) I find out they closed in XXXX of XXXX and then I check my statements and theyve been charging me after no longer attending XXXX and after the campus closed down due to not staying true to their accreditation I just got a letter saying theyll be sending your loan information to collections. Ive been charged as if I was still attending Im not sure what it going on but theyve scammed students, and what they stood for wasnt met. The letter I received as of XXXX that i owe more than XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/2020 Account # XXXX Pursuant to 15 USC 1681 a ( 2 ) congress make it clear that a Consumer report does not contain any transactions or experinces. Congress make it clear that I have a right to PRIVACY as a Federally Protected Consumer! You Continue to Violate and disrespect my right to privacy which is a direct Violation of the FCRA and gramm-Leach-Bliley act ! I did not Consent or authorize for you to share my nonpublic personal information. Congress requires you to adopt reasonable procedures for meeting the needs of commerce in a manner which is fair and equitable to me with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. Please be clear that no consent or authorization is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX {$2400.00} has violated my rights USC 15USC 1681 sec 602 states i have the rights to privacy USC 1681 sec 604 states 2 states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I sent TransUnion via certified mail tracking number XXXX a letter informing them of inaccurate and unverified information being reported on my credit report. I asked TransUnion to remove the inaccurate and unverified account. The accounts have not been removed. On XX/XX/2022 I asked for TransUnion to provide information as to how these accounts were verified via certified mail tracking number XXXX and never received any verification information, and did not receive any information. On XX/XX/2022 I sent another letter to TransUnion via certified mail tracking number XXXX that they have neglected to respond to my letters within the allotted time and had not provided me information as to how the alleged accounts were verified. The continued reporting of this inaccurate and unverified information has severely damaged my ability to engage in basic financial activities like applying for lines of credit and has had a very negative impact on the well-being of myself and my family. 
The alleged accounts that have not been verified and must be removed are as follows. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I contacted Comenity Bank to schedule XXXX monthly payments of {$200.00} to pay off my XXXX credit card. The Comenity Bank agent only scheduled XXXX payments and I was charged a {$30.00} late fee for their mistake. This was a recorded customer service call and Comenity Bank refuses to remove the late fee for the mistake their agent made. The minimum payment due was only {$22.00} and the scheduled payment was supposed to be for {$200.00}. I have tried to contact Comenity Bank to correct their mistake and their agents are unwilling to listen or assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Good evening! Ive always made on time payments. I receive some disturbing news from my credit information and none these accounts Are reporting positive information Im gon na excise my right under 15usc 1681 I demand that all of these accounts be update always made on time payments I demand updates all positive information being reported. delete collections not mine. Accounts to be updated to on time payments : XXXX XXXX XXXXopen date Change to on time payments Last report date XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX date Chamge to on time payments Last report date XX/XX/XXXX Chamge to on time payments XXXX XXXX XX/XX/XXXX Last update XX/XX/XXXX Positive on time payments XXXX XXXX  Open date XX/XX/XXXX Last report date XX/XX/XXXX On time payments XXXX open date XX/XX/XXXX Charge off delete Last update XX/XX/XXXX Thats charge off delete XXXX XXXX XXXX XXXX XX/XX/XXXX Closed XXXX update to on time payments I am going to Folllow up with a civil suit as well Im going to notify the attorney general after I get response.

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 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Good evening! Ive always made on time payments. I receive some disturbing news from my credit information and none these accounts Are reporting positive information Im gon na excise my right under 15usc 1681 I demand that all of these accounts be update always made on time payments I demand updates all positive information being reported. delete collections not mine. Accounts to be updated to on time payments : XXXX XXXXXXXX XXXX date Change to on time payments Last report date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX date Chamge to on time payments Last report date XX/XX/XXXX Chamge to on time payments XXXX XXXX XXXXXX/XX/XXXX Last update XX/XX/XXXX Positive on time payments XXXX XXXXl Open date XX/XX/XXXX Last report date XX/XX/XXXX On time payments XXXX  open date XX/XX/XXXX Charge off delete Last update XX/XX/XXXX Thats charge off delete XXXX XXXX XXXX XXXX XX/XX/XXXX Closed XXXX update to on time payments I am going to Folllow up with a civil suit as well Im going to notify the attorney general after I get response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Good evening! Ive always made on time payments. I receive some disturbing news from my credit information and none these accounts Are reporting positive information Im gon na excise my right under 15usc 1681 I demand that all of these accounts be update always made on time payments I demand updates all positive information being reported. delete collections not mine. Accounts to be updated to on time payments : XXXX XXXX XXXXXXXX date Change to on time payments Last report date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX date Chamge to on time payments Last report date XX/XX/XXXX Chamge to on time payments XXXX XXXX XXXXXX/XX/XXXX Last update XX/XX/XXXX Positive on time payments XXXX XXXXl Open date XX/XX/XXXX Last report date XX/XX/XXXX On time payments XXXX  open date XX/XX/XXXX Charge off delete Last update XX/XX/XXXX Thats charge off delete XXXX XXXX XXXX XXXX XX/XX/XXXX Closed XXXX update to on time payments I am going to Folllow up with a civil suit as well Im going to notify the attorney general after I get response.

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 2022-12-18 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: IN

Complaint narrative:
I am being ignored. This is the second letter I have written to Experian disputing items and they have failed to respond within 30 days. I did not provide written permission or instructions for the identied accounts to be reported on my consumer report. The identied transactions are not information related to any transactions by me as the consumer. I have been in constant communication with Experian and it's been more than 30 days without them responding to my disputes. According to consumer law, they must remove the disputed items from my consumer report because they have not responded to me within the 30 day time frame allotted by law. The next step is for me to pursue legal remedy if these items are not deleted from my report immediately. ( see 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
Consumer complaint received 2022-12-18 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: VW Credit
State: MI

Complaint narrative:
My VW Credit loan for a XXXX XXXX was not total cashed out according to the guidelines of the GAP claim checklist filed with VW of America. The credit report show that the balance was charged off at XXXX. The balance should.be XXXXThis is affecting my debt.to equity ratio and the vehicle was wrongfully repossessed... I have most documentation and will observe and report accordingly... 

2012 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: CA

Complaint narrative:
On XX/XX/XXXX I was able to get my Experian Full Credit Report I HAVE BEEN LOCKED OUT I was responding to there now known to be a lye I was on phone with XXXX for almost a hour with XXXX as she verbally disclosed the only time there was activity was in XXXX when XXXX reported such debt and has never according to records a dispute was even initiated from any agency meaning Experian Report # see attached a error or a lye as well there response to you I taken this quiet seriously and CFPB needs to publish and my document attached for public review and to aide in existing law suit against Experian, XXXX has indicated there was a account in my name however it was a transfer of account into my name however no signed contract and or bearing my signature HOWEVER IT WAS CREATED ELECTRONICALLY and would not reveal were it originated from, I have also reported this to FTC and the derogatory information AGAIN does not meet the federal reporting act as well proof Experian has and still operating and handling out of good faith

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