vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting 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... The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681 Account Name .... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 1681 c. ( 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. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have fraudulent accounts on my credit report, which I reported it to XXXX XXXX and XXXX XXXX, yet they are not removing these fraudulent accounts. XXXXXXXX XXXX and XXXXXXXX XXXX have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXXXXXX XXXX  / XXXX and XXXX XXXX XXXX XXXXXXXX.

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 2023-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/23 I received a call from someone stating that they are from XXXX XXXX and that my mother is four months behind on her electric bill and if the bill isn't paid then the electricity will be turned off. I ended up paying the bill for {$330.00} using XXXX through my checking account. I realized after the fact that it was a scam and called TD Bank right away and they had told me that they would investigate it and within 5 days they would call me back, which they never did. I ended up calling them and was told that there was nothing they could do because I willingly sent the person the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
This debt collector is attempting to collect an alleged debt that is listed under the original creditor on my profile. If this alleged debt has been sold, then XXXX XXXX XXXX would need to remove their reporting like of credit as duplication of account reporting is inaccurate and a violation of the FCRA. 

I have attached the correspondence from XXXX XXXX, and the reporting of XXXX XXXX on Transunion, 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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This debt collector is attempting to collect an alleged debt that is listed under the original creditor on my profile. If this alleged debt has been sold, then XXXX XXXXXXXX XXXX would need to remove their reporting like of credit as duplication of account reporting is inaccurate and a violation of the FCRA. 

I have attached the correspondence from XXXX XXXX, and the reporting of XXXX XXXXXXXX on XXXX, XXXX, & Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX  XXXX which is now known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX engages in predatory debt collection. 
The law firm initiates motions in court which drags me to court. Upon arriving at the courthouse, the security officers are at times aggressive and engage in unnecessary search procedures just to make sure that individuals like me are not a threat. 
After passing through the metal detectors and thoroughly being searched, the clerk and the attorney for the debt-collection agency work in tandem. For the past two instances that I have been in court, I was specifically profiled so that I was the last individual to be seen in the court conference room. This means that for the last two sessions in the civil court, I have waited at least three hours to be seen. 
To make things worse, the clerk was disrespectful and the court sessions were exhaustive due to the numerous number of people who showed up at the last two sessions. 
I have no idea what Cavalry Portfolio Services does but in this regard in conjunction with XXXX XXXXXXXX XXXX XXXX, they create misery and havoc in consumers ' lives. 
These practices must come to an end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: GA

Complaint narrative:
This complaint is against Discover Home XXXX Loans. Application # XXXX. In presenting Discover Home Loans with evidence that this was a fraudulent inquiry brought on my my Identity Theft issues Discover Home XXXX  loans agreed that this application was fraudulently submitted in my name. XXXX was notified. Ample time has passed and this fraudulent inquiry remains on my Credit File. This fraudulent inquiry has had plenty of time to be removed from my Credit File, but it remains. I also am requesting the complete Credit File within 30 days as allowed by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting 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:
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. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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.

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 2023-09-07 00:00:00
Product: Credit reporting 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: GA

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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.

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 2023-09-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
Comenity Bank calls me numerous times every single day mostly from a blocked number or a XXXX number. They called me XXXX XXXX XXXX XXXX XXXX about my bill. I just want them to stop XXXX  me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I believe that my information is being misused and reported as inaccurate and I am filing this complaint to NATIONAL CREDIT SYSTEM. In my credit report from XX/XX/2023, I found this derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NY

Complaint narrative:
I have tried contacting EdFinancial for weeks to try and get them to cancel my consolidation loan application. Their phone wait times are over 600 minutes every time I call, no matter what time of the day it is, and their chat function does not work. Theyve not responded to my emails Ive sent either. I need this cancelled as soon as possible, or I will not be able to pay my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did not make the charges listed. I ask that the items be deleted to correct my credit report at the earliest convenience. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-09-07 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I reviewed my Consumer Report recently and I don't recognize these inquiries therefore I need these to be deleted ASAP from my consumer 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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been trying to dispute these issues with no result. This is the letter I sent to the credit bureaus. I received a letter from your firm stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. In fact if you do not honor my original request to verify the items contained in my previous letter, mailed via certified mail, I will file a complaint with the Federal Trade Commission against your company. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible.

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 2023-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: COLUMBIA BANKING SYSTEM, INC.
State: CA

Complaint narrative:
In XXXX XXXX XXXX I worked with XXXX XXXX, a loan broker with XXXX XXXX XXXX for a commercial equipment loan for my business. He quoted me various loan terms via email and I accepted one of those written options, and requested the contract. The terms were {$33000.00} loan for 60 months@ 15.3 % interest and a monthly payment of {$790.00}. 

My loan was then placed with Financial Pacific Leasing in Washington ( they are a subsidiary of Umpqua Bank ). Payments were automatically drafted from my account monthly and I never received a statement from them. Today, I reached out to Financial Pacific Leasing to request a payoff amount since I've been paying for 16 months, and was prompted to create an online account, which showed my payoff was over {$33000.00}. I told the representative this must be a mistake, and she indicated my original loan amount was {$47000.00} because all of the 60 month 's worth of interest was required to be paid up front, meaning there would be no benefit to paying off the loan early. She also informed me there was no interest rate attached to my loan. This was not what I agreed to in writing with XXXX, and he essentially bait and switched my loan. 

I reached out to XXXX and he said I owe whatever Financial Pacific says I do, and he didn't think I would want to pay the loan off early so he didn't think to disclose that he was in fact financing {$47000.00} on my behalf ( rather than the {$33000.00} we discussed ). But he said this is all my fault for signing the contract without realizing some of the agreed terms had been left out. 

I feel like I've been a victim of predatory lending- I did not receive the loan terms that were quoted to me and the bank and the broker are blaming each other.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 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.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Our XXXX XXXX XXXX XXXX Credit Card for our company XXXX XXXX XXXX is being reported on my personal credit instead of our business credit report. 

In XXXX we fired our management company that managed our real estate and they stole our checks. The ex management company proceeded to commit bank fraud daily and make our business account go negative daily. XXXX XXXX XXXX would replenish the funds, but we were in a constant flux of negative days for over a month. This ex management company continued to steal funds or attempt to steal funds daily for over a month. 

Once we froze all the accounts for this to stop I noticed our XXXX XXXX XXXX account automatic payment of {$200.00} was not paid and I promptly paid. Due to the fraud and chaos of this active assault on my company our automatic payment bounced and was late. This happened due to the bank fraud of our prior management company. We have never been late and have all of our accounts on automatic payment to make sure we are on time. 

I have asked the company to please properly report this on our business credit and to have mercy, due to the situation and to please not report us as late due to the bank fraud on our account. The first credit dispute was unsuccessful and we have reopened a second dispute. 

This account should be reported on our business profile and not on my personal credit. I also wish for them to remove the late payment to the extenuating circumstances.

Company response to consumer: Closed with explanation