vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 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:
These agencies ( 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, are in violatation of 15 USC 1692g . These agencies were to notify me of this in writing 5 days prior, I was not. As the original creditor only I can validate this debt. I do not validate these debts. Therefore, these accounts listed above must be deleted from my credit report. The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These agencies ( XXXX ) XXXX acct # XXXX, ( XXXX XXXX XXXX XXXX XXXX acct # XXXX, ( XXXX XXXX XXXX acct # XXXX, ( XXXX ) XXXX XXXX XXXX XXXX acct # XXXX, ( XXXX ) XXXX XXXX acct # XXXX, ( XXXX ) XXXX XXXX XXXX XXXX acct # XXXX, are in violatation of 15 USC 1692g . These agencies were to notify me of this in writing 5 days prior, I was not. As the original creditor only I can validate this debt. I do not validate these debts. Therefore, these accounts listed above must be deleted from my credit report. The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;

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 2022-09-09 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: AL

Complaint narrative:
In acordance with the Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX XXXX ) ( XXXXXXXX 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 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 1679 a, states i have the right to dispute inaccurate information in my credit report.

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, also states, a consumer reporting agency can not furnish my account without my written instructions. 

I DISPUTED THESE ACCOUNTS WITH ALL XXXX BUREAUS AND INFORMED THEM THESE ACCOUNT WHERE REPORTING INNACURATE INFORMATION AND THAT THE ABOVE ACCOUNTS WERE VIOLATING MY RIGHTS, AND SOME MAY HAVE BEEN THE RESULTS OF IDENTITY THEFT. HOWEVER, I WAS UNABLE TO GET ANY SATISFYING RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
I paid off the vehicle on XX/XX/XXXX. The state of Maryland requires the lien release to be submitted with in 5 days receiving full payment. BMW Financial Services refuses to provide the lien release SUMMARY OF LIEN RELEASE REQUIREMENTS The Maryland Department of Transportation Motor Vehicle Administration ( MDOT MVA ) is informing lien holders that, as of XX/XX/XXXX, all lien holders and dealers who offer the service of financing motor vehicle liens, and engage in the business or practice of financing motor vehicles, are required to : Electronically submit their lien releases to the MDOT MVA, through their selected XXXX XXXX XXXX ( XXXX ) vendor, within 5 business days of receiving full payment for a motor vehicle lien, and If a lien holder/dealer meets the above qualifications and is not already a participant of XXXX, they need to contract with one of the specified vendors listed below for XXXX in Maryland before XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: NV

Complaint narrative:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the following items as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022 EXPERIAN XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

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 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX  Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: AL

Complaint narrative:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, AVANTE failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
AVANTE Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
AVANTE Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
U.S. Bank Home Mortgage has {$34000.00} for me in a restricted escrow account that was left after my home was repaired in Hurricane Ida. I want to pay my home out. They have received the {$1400.00} from my XXXX Bank account. I have never seen a company that doesn't want a customer to pay them out.

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 2022-09-09 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: DC

Complaint narrative:
In accordance with the FCRA 15 U.S. Code 1681i XXXX XXXX, Equifax and XXXX has been violating me for sometime. This is my second attempt to get these alleged accounts removed. I have provided attachments of proof of the inaccurate consumer reporting. I, consumer have the right to privacy and these Consumer reporting agencies have not provided me with any consent to furnish any of these alleged and inaccurate accounts. These accounts are causing me anf my family financial damage. 

15 U.S.C. 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish a account without my written instruction. 

15 U.S.C. 1681 Section 602 A. States i have the right to privacy. 

Delete these account immediately, unless you want to be held liable for {$1000.00} per violation XXXX XXXX # XXXX XXXX XXXX DEPTEDXXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX US DEPT ED ACCOUNT # XXXX XXXX/EQUIFAX/XXXX  USDOEXXXX ACCOUNT # XXXX XXXX/EQUIFAX/XXXX  XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: DC

Complaint narrative:
In accordance with the FCRA 15 U.S. Code 1681i XXXX XXXX, XXXX and Experian has been violating me for sometime. This is my second attempt to get these alleged accounts removed. I have provided attachments of proof of the inaccurate consumer reporting. I, consumer have the right to privacy and these Consumer reporting agencies have not provided me with any consent to furnish any of these alleged and inaccurate accounts. These accounts are causing me anf my family financial damage. 

15 U.S.C. 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish a account without my written instruction. 

15 U.S.C. 1681 Section 602 A. States i have the right to privacy. 

Delete these account immediately, unless you want to be held liable for {$1000.00} per violation XXXX  ACCOUNT # XXXX XXXX XXXXEXPERIAN DEPTEDXXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX/EXPERIAN US DEPT ED ACCOUNT # XXXX XXXXEXPERIAN  USDOE/XXXX ACCOUNT # XXXX XXXX/XXXX/EXPERIAN XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  XXXX ACCOUNT XXXX XXXX XXXX XXXX EXPERIAN

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 2022-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
REPOSSESSION DEFICIENCY DISPUTE This account XXXX XXXX XXXX XXXX acct # XXXX has violated my rights. 
Under the laws of the state of TEXAS UCC 9.506 and State XXXX and XXXX statues a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhere to. 
Please provide copies of the legal notices and proof of the commercially reasonable3 manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statues and UCC 9 REMEDIES.

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 2022-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX I ordered XXXX, an antibiotic medicine from XXXX XXXX for the amount of {$69.00} using my XXXX XXXX  Debit Card to PayPal at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, telephone ; XXXX - XXXX - Purchase XXXX - Order # XXXX. 

I was notified then by XXXX XXXX that my order of XXXX comes from overseas and could take more than a month to receive so I did cancel the order notifying PayPal and asked for a refund. 

PayPal collected the {$69.00} on XX/XX/XXXX as is found in my XXXX XXXX  statement, but, PayPal did not refund the amount of {$69.00}, although there is a message posted in my PayPal account that the refund must be done no later than XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I applied with Amazon for their store card, I was approved. The 1st time I used the card it declined because they wanted to verify my personal information, which I did, the purchase went through. However subsequently I've been trying to register on their website, Synchrony Bank, to make my 1st payment but their website would not allow me to register. I call their toll free number for help and get one of those XXXX call centers. I try to explain to the lady the difficulty I'm having trying to register, and she says ok and sends me the link to the website to register. I call Amazon for help and just get transferred around. I have discovered Synchrony Bank is awful to their clients, but I need to protect my credit from them and this fraud.

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 monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$170.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.

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 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have looked into my credit report with experian and they have false numbers, addresses, and show delinquent medical accounts that are showing they are in collections. And they are not. They will not remove or update these problems. Nor will they give me a copy of my full credit report. It is because of them that I have been turned down for credit in the past 2 weeks.

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 2022-09-09 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:
In accordence with the Fair credit reporting act XXXX  Account # 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 It also states a consumer reporting agency Can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX $

Company response to consumer: Closed with explanation