vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: CO

Complaint narrative:
This was not sent in error ako ay isang consumer by law at ang information XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: CO

Complaint narrative:
This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonneville Billing and Collections
State: CO

Complaint narrative:
This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
Collecting debt from me of XXXX which has been paid XX/XX/2022. I went to XXXX XXXX XXXX XXXX  last XX/XX/2022 to tell them about this and told me they will email the debt collection agency to remove it but again i received a email about this debt collection again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: WA

Complaint narrative:
In accordance with the fair credit reporting act Experian, XXXX, XXXX has violated federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, AE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2022-04-26 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: CL Holdings LLC
State: FL

Complaint narrative:
I HAVE FILED DISPUTE IN REGARD TO THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS BEEN WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Venmo I received an email from Venmo indicating I could review my quarterly account. I tried to login the site wouldnt accept my password. I change my password the site would still not let me login. This happened twice. I called and spoke with support. They kept asking for more and more personal information from me. They asked me to send them a valid ID. I refused and asked them to close my account. They refused. I asked them for a complete list of verifying information they would need and they wouldnt give it to me. I was afraid this was an information/data collection scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: New Hampshire Northeast Credit Services, Inc.
State: NH

Complaint narrative:
Debt not mine, I have disputed on my XXXX  account for a long time, I called the company, NH Northeast CR Services, that owns the account and stated that i have never been to where the bill was from and the account is not mine. I asked for proof that this account is mine and the woman on the phone stated they have no proof and don't need any. She said they have tried calling a number, that isn't mine, I don't recognize it and she started yelling at me and stated if I am not going to pay this bill then she is going to hang up on me, then she did hang up on me. 
Before she hung up I asked how to get this off my credit if It's not mine and she said to pay it. Why would I pay something that's not mine. She stated that I have been fighting this bill since 2017, I stated well then don't you think if I have been fighting it for this long, I obviously know it's not mine. My husband has gone to the original company for care but I have never been. I said maybe you have it mistaken and she yelled back at me and said that it's my account. 
I want proof and the company stated they don't have proof. I want this removed from my credit or i will be forced to get a lawyer. This account is no longer on my XXXX account because they have found it to be incorrect. I want it removed from my XXXX and XXXX accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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: CA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my protected consumer rights to privacy and confidentially under 15 USC 1681.

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

15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without instruction.

15 U.S.C 1681c ( aX5 ) 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 crime with antedates the report by more than seven years. 

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 2022-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: HI

Complaint narrative:
XXXX XXXX XXXXXXXX please read this, and know that it has been fradualent in that I have done the service work as a XXXX XXXX XXXX from XXXX, and I have made well over the required XXXX payments and I have filled out paperwork many, many times, and each time I am denied this has impacted our family, and to me it is lies by the government about the programs and how to get loans forgiven my wife says that THIS is diffferent, and I reluctant to even work with you as I have been lied to basically scammed in this process whey tell us you are going to forgive the loans and then just pay lip service to it are you guys for real? will you actually work with an XXXX Veteran who also worked with XXXX XXXX XXXX for XXXX years, along with XXXX XXXX XXXX and XXXX XXXX 

Send this to the federal government, send this to the company that I work with with my loans NELNET To me, it has been a scam as I have fulfilled all the requirements and been told no so many times Please help. Why the XXXX did i join the XXXX, why did I work with XXXX XXXX XXXX, etc. 
Why make those XXXX payments? ETC. 

You set the terms, then you did the lie by not abiding by the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TX

Complaint narrative:
Complaint on 2 companies : XXXX XXXX XXXX and XXXX XXXX XXXX. 

XXXX. XXXX XXXX XXXX : ( XXXX accounts ) A ). XXXX  XXXX - {$710.00} B ) XXXX XXXX- {$900.00} Description : XXXX XXXX XXXX has written, called, emailed, and has reported this inaccurate information on my credit report. I have disputed these accounts online several times. The last emails from XXXX XXXX were on XX/XX/22, XX/XX/22, and XX/XX/22. This company has violated these laws : 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 a account without my written instructions.

15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

2XXXX XXXX  XXXX {$770.00} ( One account ) Description : XXXX XXXX XXXX has written and called, and has reported this inaccurate information on my credit. I have disputed these account online several times. The last letter from XXXX XXXX XXXX was on XX/XX/22. This company has violated these laws : 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 a account without my written instructions.

15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CHRISTUS HEALTH
State: TX

Complaint narrative:
TLRA CALLED ME TO MY PHONE NUMBER XXXX AND ATTEMPTED TO COLLECT A DEBT FROM ANOTHER PERSON. I TOLD THEM THIS PHONE NUMBER NOW BELONGS TO ME AND TO NOT CALL ME AGAIN. DESPITE MY REQUESTS, THEY CONTINUE TO CALL AND TEXT ME WITH THEIR AUTOMATED VOICE / COMPUTER VOICE. THIS IS A FDCPA AND TCPA VIOLATION. IT IS ALSO A VIOLATION OF THE TFC SECTION 392. I AM A XXXX RESIDENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: PA

Complaint narrative:
In accordance with the fair Credit Reporting Act, Transunion, LLC has violated my consumer rights by reporting a Chapter XXXX bankruptcy. 

Pursuant to 15 U.S.C. 1681 SECTION 602 A ; I have the right to privacy : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' It also states a consumer reporting agency can not furnish an account without my written instructions.

Pursuant to 15 U.S.C. 1681B ( 2 ) " consumer reporting agency can not furnish an account without my written instructions ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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: OR

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

XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 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 2022-04-26 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: OR

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

XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
XXXX STOP THESE CALLS PLEASE! 
I GET THEM EVERY SINGLE DAY.

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 2022-04-26 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: NC

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

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 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 a consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-04-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. My fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a bum. My fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rep but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my children. PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. My fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. My fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rep but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my children. PLEASE HELP ME PLEASE im XXXX now.

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 2022-04-26 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: FL

Complaint narrative:
I HAVE FILED DISPUTE IN REGARD TO THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS BEEN WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.

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 2022-04-26 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: MI

Complaint narrative:
MY IDENTITY WAS STOLEN TO GET FRAUDULENT UNEMPLOYMENT ALTHOUGH UNSUCCESSFUL MY IDENTITY WAS THEN USED TO ATTEMPT TO OBTAIN FRAUDULENT CREDIT ACCOUNTS/LOANS IN MY NAME. NO ACCOUNTS WASD SUCCESSFULLY OPEN BUT NOW I AM STUCK WITH FRAUDULENT INQUIRIES REPORTING ON MY CREDIT FILE. I HAVE IDENTIFIED AND LISTED ALL FRAUDULENT INQUIRIES DOWN BELOW SO THAT YOUR AGENCY CAN QUICKLY IDENTIFY AND REMOVE THESE INCORRECT / UNAUTHORIZED ITEMS FROM MY CREDIT FILE. THESE INQUIRIES ARE REPORTING ON MY CREDIT PROFILE FROM ATTEMPTED FRAUD TO GET CARS, AND GOODS IN MY NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE INQUIRES RESULTED FROM FRAUDULENT ATTEMPTS TO OBTAIN CREDIT IN MY NAME PLEASE REMOVE.

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