vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-03-25 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX # 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 2022-03-25 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: VA

Complaint narrative:
I spoke with TransUnion and they keep saying they verified a bankruptcy in my name with the courts. I have a letter from the courts stating that they do not communicate with credit reporting agencies. So TransUnion is lying about verifying the bankruptcy that they are reporting. I have tried to dispute this with them several times and provided the court letter which they verified that they do have, but they still will not remove the inaccurate bankruptcy from my credit report. This situation is causing me a great amount of stress. It is illegal for them to so this. I am again, attaching the letter I received from the court for TransUnion to review and remove the bankruptcy. This letter proves that they lied about who they verified my bankruptcy with, therefore the bankruptcy must be removed. Also, I would like the name of the person and company that they are claiming they verified this bankruptcy with. It is my right to request and for Transition to provide proof under the FCRA provisions 609 and 611.

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 2022-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO.
State: MD

Complaint narrative:
Around XXXX 2019, I contacted collection agency XXXX, XXXX and XXXX PA to settle the Ford Motor credit acct and I was told by their representative that when I paid the {$10000.00} that they would delete this account from the three credit reporting agencies ( XXXX, XXXX and XXXX ) and the original lender Ford. Also, I was told that if I didn't pay they would garnish my wages and income taxes.

However, when I reviewed my credit report I noticed that Ford Credit act # XXXX is still reporting on my credit report after paying the {$10000.00} as instructed. Secondly, based on the agreement with their representative I'm respectively requesting that they honor the agreement and delete this account from all three credit bureaus and have the original lender delete the account. I would have not paid the account off if not assured that they would honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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:
Account name XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX written off. {$9.00}, XXXX past due as of XX/XX/XXXX Status updated XX/XX/XXXX Balance {$9600.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$650.00} Original balance {$12000.00} Highest balance {$0.00} Terms 42 Months On record until XX/XX/XXXX ( IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT 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 166b A Creditor May not treat a payment on a credit card account under an open consumer credit plan as late for any reason.

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 2022-03-25 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: CA

Complaint narrative:
Account name XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX written off. {$9.00}, XXXX past due as of XX/XX/XXXX Status updated XX/XX/XXXX Balance {$9600.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$650.00} Original balance {$12000.00} Highest balance {$0.00} Terms 42 Months On record until XX/XX/XXXX ( IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT 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 166b A Creditor May not treat a payment on a credit card account under an open consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: FL

Complaint narrative:
EQUIFAX REFUSES TO CORRECT MULTIPLE INACCURACIES THEY HAVE BEEN NOTIFIED OF MORE THAN 20 TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: CA

Complaint narrative:
My name is XXXX XXXX and somebody has stollen my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: CA

Complaint narrative:
My name is XXXX XXXX and somebody has stollen my identity.

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 2022-03-25 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: FL

Complaint narrative:
Please see the other previous complaints by me, this company lies to CFPB and consumers. It has cost me thousands in illegal inaccurate reporting, and they know its inaccurate and refuse to comply with regulations. I am suing Equifax and would like the CFPB to actually pose very harsh penalties to Equifax for abuse of consumer information and refusal to accept accountability under the law and resolve the complaints of consumers. CFPB should not close this complaint because Equifax says they are doing something, EQUIFAX MUST FURNISH PROOF OF THEIR INVESTIGATION AND OUTCOME, NOT JUST A STATEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I submitted a payment using a negotiable instrument on XX/XX/2022 it was delivered to the company on XX/XX/2022 I called XXXX ( XXXX ) XXXX on XX/XX/2022 they verified they received the payment and XX/XX/2022 and I was speaking with a supervisor and was placed on hold for over 45 minutes and I was hung up on at that point. This company is in violation of UCC 3-603. I've tendered a payment to the PAYMENTS Marked PAID IN FULL Address of XXXX XXXX XXXX XXXX XXXX TX it was accepted I never received the negotiable instrument back in the mail my account was not credited in the amount of {$5200.00}. According to federal law listed below this company is now in violation and is subject to fines and penalties due to fiduciary fraud.

UCC 3-501 Presentment UCC 3-502 Dishonor UCC 3-604 & 605 Discharge by cancillation or renuncation & discharge of indorsers and accomodation parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I mailed a letter to XXXX and Equifax informing them of the incorrect information they are report on my consumer report. The name and address do not belong to me. I have attached my Driver license which have my correct spelling of my name and also my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: FL

Complaint narrative:
I have new and updated information concerning Equifax. I have previously complained of Equifax 's illegal conduct under ID # s XXXX ; XXXX ; and XXXX. Equifax has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Equifax continues to use excuses such as it can not verify my identity. However, I have included proper identification in my correspondence to Equifax. Equifax is in violation of my rights as a federally protected consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I forgot a payment was due on XX/XX/2022 I called and the company waived the XXXX late fee and I made my XXXX payment for XXXX that day, I received an email stating my late fee was approved and waived I called XX/XX/2022 to make my XXXX payment early that was due on XX/XX/XXXX the customer service rep said the computer was down so I called XX/XX/2022 to make my payment of XXXX that was due XX/XX/XXXX and asked why the XXXX late fee wasn't taken off he said I cant find anyone to help with that question call in an hour I called back and was talking to a lady 25 minutes the phone was called was disconnected I called back another representative said I only had to pay XXXX so paid that she took the XXXX off but she didn't now I'm charged another XXXX late fee when my payment for XXXX was paid on time I called the company today to tell them my XXXX late fee for XX/XX/2022 was approved to be waived and then they charge me XXXX late fee for XXXX because I didn't pay the XXXX late fee for XXXX .my payment was not late for XXXX and the customer service rep was rude and would not let me talk to someone with more authority than her .the company is Avant credit card company in Illinois I XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 and still no one will fix the mistake Avant made and keep charging me late fees I dont want this to mess up my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept 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 Transunion. 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 Transunion more than 21 times. transunion 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 n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed 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 non-monetary relief
Consumer complaint received 2022-03-25 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: CA

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 719XXXX has me at a score around 590. 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 us rept 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 XXXX XXXXXXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Debt Relief Center
State: FL

Complaint narrative:
Debt enrollment center has called me 3 to 4 times a day and I have no debt I have not contacted them for help they wont stop calling Ive asked them to put me on the do not call list and they still call and then They sent me text messages its XXXX  and they need to stop I spoke to XXXX she was mean and XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022, I mail a letter to XXXX, TransUnion, and XXXX asking validation of XXXX FIN account. I have not received any information on the investigation. I would like to have proof of who they spoke with, the time and date, and proof the investigation was actively done. This is a violation of my right pursuant to15 U.S. Code 1681i. The information on my consumer report should be accurate and true. XXXX, TransUnion, and XXXX have been report inaccurate information to my consumer report which have cause a hardship in my obtaining a vehicle.

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 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
For months I have been called by ( XXXX ) XXXX on a daily bases. I picked up a few times telling them I do not owe the alleged debt from 2019 XXXX XXXX. They do not stop. I have also reached out to XXXX who does not have information on this account. This is harassment. Sometimes every day, sometimes every other day. This isn't fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX IS UNREACHABLE BY PHONE WITHIN REASON AND NONE OF THEIR EMPLOYEES WILL ASSIST IN ANY INVESTIGATION OR REMOVAL OF INACCURATE INFORMATION NO MATTER HOW MUCH YOU PROVIDE PROOF OF THEIR INACCURATE REPORTING THEY HANG UP ON YOU AFTER 6 HOURS ON THE PHONE. THEY IGNORE YOUR MAIL, THEY IGNORE LAWSUITS, EQUIFAX IGNORES THE CFPB AND ANY AUTHORITY THEY ARE GOVERNED UNDER. THEY REFUSE TO COOPERATE WITH ANY REQUEST FOR PROPER INVESTIGATION. I HAVE MULTIPLE COMPLAINTS AND DISPUTES UNRESOLVED, AND EQUIFAX PUNISHES ME EVERYTIME I SUBMIT A COMPLAINT BY REMOVING POSITIVE REVOLVING ACCOUNTS AND RE-AGING ACCOUNTS THAT SHOULD BE REMOVED BY LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  in accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-03-25 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 — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
XXXX is a infinity on my report that I never purchased. I disputed it with XXXX. XXXX is claiming that this infinity is mine I dont believe they did any investigation like check what bank was getting the payment who is the insurance carrier.

Company response to consumer: Closed with explanation