vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 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: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
XXXX XXXX is refusing to remove a collection item from my report from XXXX, stating that i owe them {$600.00}. I have been a very good and active customer with XXXX which is now XXXX, since the beginning of XXXX. This information is inaccurate and doesnt make sense. Either someone has used my information or has stolen my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these Companies have violated my rights. 
XXXX XXXX- Acct # XXXX XXXXXXXX XXXX XXXX XXXX- Acct # XXXX XXXXXXXX XXXX XXXX XXXX- Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a 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 2022-06-02 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: Service Finance Holdings, LLC
State: TX

Complaint narrative:
Company Name : Service Finance Company Account Opened - XXXX Amount - {$10000.00} I contacted them when the loan was first initiated, it was for the installation of an Central AC unit . The company that did the work did not complete the job and I had to have another company come in and complete the labor. I explained this to Service Finance Company and asked them to adjust the amount of the loan to reduce the labor from the bill. After going back and forth for 3 months they stopped returning my calls. Since this has been in dispute, we have not paid on the loan. The account has been closed and charged off for years now. They continue to report it to the XXXX each month as a late payment, even though the account has been closed and charged off. I have requested they update their records. They refuse. This has done major damage to my credit. They have also reported to XXXX as real estate loan as compared to an installment loan. 

This company is practicing unethical business practices in reporting the account as active late, in order to bully me into paying an amount that is in dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I HAVE SEVERAL HARD INQURIES THAT ARE ON MY REPORT THAT DID NOT ASK FOR OR APPROVE CONSUMER XXXX XXXX XXXXXXXX,, US SM BUS ADMIN, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXXXXXX 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 2022-06-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # : XXXX, has violated my rights. As did XXXX Account # XXXX 15 u.s.c 1681 section 602 A. States i have a 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 2022-06-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # : XXXX, has violated my rights. As did XXXX Account # XXXX 15 u.s.c 1681 section 602 A. States i have a 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 2022-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I sold my XXXX XXXX to XXXX. XXXX picked up the vehicle in XX/XX/2021. They had it for over 5 months and Toyota didnt make correct payment amounts. So Toyota kept billing me stating I owed them monthly payments even though my car was rightfully paid off from XXXX  and no longer in my possession. They reported 5 months worth of non payment. Sent my information for a repossession even though I didnt have the car. I contacted Toyota and they wouldnt help me citing it was my responsibility but they didnt communicate with XXXX  correctly about my balance due. This is not my responsibility once I dont own the car anymore. They need to remove those dings to my credit or I will seek legal council.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been told I could not open an checking account because I have been a victim of Fraud or Scam.

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 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I HAVE SEVERAL HARD INQURIES THAT ARE ON MY REPORT THAT DID NOT ASK FOR OR APPROVE XXXX XXXX XXXX, XXXX,, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 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: NV

Complaint narrative:
I HAVE SEVERAL HARD INQURIES THAT ARE ON MY REPORT THAT DID NOT ASK FOR OR APPROVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: DISCOVER BANK
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX SECTION XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX SECTION XXXX A SECTION XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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 XXXX, Account 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 account with my written instructions.

15 U.S.C 1681e ( b ) and 15 U.S. Code1681i ( 5 ) This account in violation is not reporting 100 % accurate it lists the child support court as the furnisher that is forgery and misleading when the courts do not report this type of account.

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 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I have filed numerous disputes regarding this issue with multiple credit bureaus and uploaded documents to the Document Vault of the creditor Ally Financial and faxed documents to them as well. 

My ex-wife and I both signed for an installment loan to purchase a XXXX XXXX XXXX with Ally Financial ( account number is XXXX ). While my wife and I were going through a divorce she totaled the car. Even though she lived in Virginia and was insured with her name only on the policy, her XXXX insurance agent notified me of the accident and informed me that my wife was not answering their phone calls or responding to emails regarding the settling of the claim to pay Ally Bank the insurance payment. 

It was determined that I, alone, could sign the documents to settle the insurance claim with XXXX  and they made a $ XXXX payment in XX/XX/XXXX, to Ally ( Claim number XXXX Loss Date XX/XX/XXXX ). I also took the steps to recover a partial refund of a service contract that we had purchased for the auto and those dollars were also sent to Ally Financial in XX/XX/XXXX. 

When my wife and I settled our divorce, she agreed to pay the remaining balance of the loan. She has not paid this as of today. Not even XXXX dollar. The property and settlement agreement has been approved by the XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXX, VA on XX/XX/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 explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
hard inquiries from these companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
I had to make a transfer to the account of one person, and the money went accidentally to a completely unknown account at the moment the company can not help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have a Blue Cash Preferred card by American Express and one of it's advertised benefits is access to free credit reports. I have tried accessing this product multiple times but keep running into issues. I contacted American Express customer care on XX/XX/2022 about this issue and they asked me to contact XXXX. I called the XXXX number they gave me on the same day and they told me to send an email to XXXX. I sent at email to this address on XX/XX/2022 and they responded without understanding my problem and their response didn't help me. After that I also sent follow up emails but didn't hear back from them. 
I am filing this complaint against American Express because they promised this feature to me and if I am facing issues in accessing it, they should resolve those issues. The customer support did not help me when I called them and just passed the buck to someone else. As an AMEX customer, I am entitled to receive the benefits and features they advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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 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 explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
AES Student Services suddenly opted me into a payment plan that used excess payments toward future interest instead of paying down principle without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these Companies have violated my rights. 
XXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.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 166b A Creditor May Not treat a payment on a credit card account under an open end 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 explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I believe Experian unfairly decreased my credit score by XXXX points on XX/XX/2022 due to a XXXX balance on a recently closed student loan. This adverse action negatively affects my creditworthiness.

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 2022-06-03 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: OH

Complaint narrative:
I have have requested for the Credit Bureaus to comply with state and federal laws in regards to consumer credit and making sure that the information is accurate and the laws have been violated time and time again and i have attached my credit report with the laws and violations in order to get them corrected by having the items, removed, deleted, and purged from their records, files, including their databases by third parties which they own such as XXXX XXXX XXXX, and many others.

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 2022-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am XXXXXXXX XXXX XXXXXXXX and am submitting this complaint myself with no third party. I, XXXXXXXX XXXX XXXXXXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. The following United States Codes Credit Collection Services USA has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, Credit Collection Services XXXX XXXX XXXX XXXX XXXX doing business as XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, Credit Collection Services XXXX XXXX XXXX XXXX XXXX doing business as XXXX was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through XXXX XXXX, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by Credit Collection Services XXXX on XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX XXXX XXXX XXXX as XXXX adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX XXXX doing business as XXXX and Credit Collection Services USA is now civilly liable to pay me for the damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: PA

Complaint narrative:
In accordance with the fair credit reporting act 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Retail Account/Reference # 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  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 2022-06-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these Companies have violated my rights. 
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 UL.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 166b A Creditor May Not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these Companies have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.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 166b A Creditor May Not treat a payment on a credit card account under an open end 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