vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sezzle Inc.
State: NY

Complaint narrative:
I have disputed with consumer reporting agencies back in XX/XX/2022 and sezzle verified this debt as accurate, despite proof. 
They continue to report a balance of {$150.00} when this has been paid of. 
I have written to sezzle with no resolution. 
Sezzle is reporting a balance owed when this account was sold to XXXX XXXX who collected the balance. I have submitted proof to sezzle in writing showing proof that this debt was paid in full. Sezzle has continued to blatantly disregard FCRA Laws by reporting inaccurate information even though they are aware and were given proof. Under the FCRA as a furnisher of information, they are responsible for the completeness and accuracy of the information that they're reporting. This is the " SECOND REQUEST '' with the CFPB as Sezzle has not responded to the first complaint in XXXX. I have disputed the inaccurate information with XXXX, XXXX, and XXXX and they have continued to repeatedly verify the erroneous information. They are in violation of FCRA, 15 U.S.C. 1681s-2.

Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: PA

Complaint narrative:
In accordance with fair credit reporting act XXXX  account XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, DEPT of EducationXXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # 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 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
They also violated the law because according to : 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. 
The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information. 

They did not do this!! 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: PA

Complaint narrative:
I have mailed in several disputes to XXXX, XXXX, Transunion disputing derogatory accounts that are not mines, I filed a FTC report, Credit reporting agencies response is VERIFIED, I mailed a request for verification and have not received anything, please help. 
I have been denied credit because of the inaccurate information on my credit report that is not mines, the credit reporting agencies is not accepting the fact that this identity theft, they are in violation of my rights.

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 2022-09-18 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: PA

Complaint narrative:
I have mailed in several disputes to XXXX, Equifax, XXXX disputing derogatory accounts that are not mines, I filed a FTC report, Credit reporting agencies response is VERIFIED, I mailed a request for verification and have not received anything, please help. 
I have been denied credit because of the inaccurate information on my credit report that is not mines, the credit reporting agencies is not accepting the fact that this identity theft, they are in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-09-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  ending what XXXX XXXX XXXX is the number given.. The complaint is that this credit card company sends out offers for people with good credit lots of companies do this they send you envelopes with credit offers and fees you take them and shred them or you throw them in the trash this company decided to go ahead and activate the card and put it on my credit court never send me any information never sent me any mail or the card which I consider to be fraud because I never approve this card I never had any business with this company I never seen the car until I see this charge on my on my credit report they said theyve closed the car they waive the fee doesnt stipulate the fact that its on my credit report and theyre doing this other people Ive been closed their phone number and the name of the company milestones any questions my number XXXX my email is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: OH

Complaint narrative:
In correspondence with my last complaint, i stated a down payment was illegal. A down payment is not illegal HOWEVER a downpayment in a transaction that uses consumer credit IS IN FACT ILLEGAL! so why was I charged a down payment in order to be approved to get my car. According to the laws ( see attachments below ) i should not have been charged a down payment in my consumer credit transaction. They approved me but then I was rejected simply because i did not want to put a down payment which isnt fair at all because asking for a down payment in a consumer credit transaction is TOTALLY ILLEGAL!!! i am requesting that i am given the car i applied for IMMEDIATELY with NO STIPULATIONS OR DOWN PAYMENT! If my request isnt honored upon notice of my complaint i will immediately file this lawsuit with my lawyer. Pick your choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: CT

Complaint narrative:
Issues requesting a refund for my student loan payments with Edfinancial. I called Edfinancial and requested a refund of my payments made after XX/XX/2020 which totaled to the amount of {$13000.00} about 3 weeks ago and I have still not received my refund. The Edfinancial website still shows that my loans are fully paid off and they have not reinstated the {$13000.00} balance that is eligible for a refund. 

I would like this balance restored as per President Biden 's student loan cancellation policy, this entire amount would be canceled. 

I attempted to call back to check on the status of my request but there seems to be no progress and no way to track whether or not they even submitted my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: MST Financial Services, L.L.C.
State: ID

Complaint narrative:
I submitted two disputes online, one on XX/XX/XXXX and the second on XX/XX/XXXX to the credit bureaus. My rights have been violated by not doing a fair and complete investigation on these accounts and by not notifying me with the results. 

Two accounts on my credit report increase the balance every month. 
XXXX Account # XXXX Chapman Financial Account # XXXX XX/XX/XXXX, XXXX balance increased by {$1.00} XX/XX/XXXX Chapman Financial Increased {$7.00} XX/XX/XXXX XXXX increased {$1.00} XX/XX/XXXX Chapman increased {$8.00} XX/XX/XXXX Chapman increased {$9.00}, XXXX increased {$1.00} XXXX XXXX is also showing a payment was made on XX/XX/2016 when I have never verified this account nor made a payment to them. 

I don't believe the balances should be changing as these are collection companies, not original creditors. They are also showing a past due balance, when they are collection agencies and should not be reporting past due balances as I have never had an agreement to make a payment with them so how can something be past due?

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 2022-09-18 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: AZ

Complaint narrative:
I contacted all 3 credit reporting agencies and all 3 told me that inquiries are permanent and can not be removed. I explained that they are not legitimate inquiries and that this has happened to me before when I was in the military where someone repeatedly tried to get credit in my name. They told me that there is nothing they can do about the inquiries. 

I called multiple times only to get the same answers and I submitted online disputes but they have not corrected this. 

The inquiries include XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I called XXXX XXXX to discuss removing the late payments marks on my file. They told me they couldn't and they were valid. However, the charges and amounts are invalid. The principle they say I have to pay has other balances that are not to be paid by the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: AZ

Complaint narrative:
I contacted all 3 credit reporting agencies and all 3 told me that inquiries are permanent and can not be removed. I explained that they are not legitimate inquiries and that this has happened to me before when I was in the military where someone repeatedly tried to get credit in my name. They told me that there is nothing they can do about the inquiries. 

I called multiple times only to get the same answers and I submitted online disputes but they have not corrected this. 

The inquiries include XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX 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 2022-09-18 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: AZ

Complaint narrative:
I contacted all 3 credit reporting agencies and all 3 told me that inquiries are permanent and can not be removed. I explained that they are not legitimate inquiries and that this has happened to me before when I was in the military where someone repeatedly tried to get credit in my name. They told me that there is nothing they can do about the inquiries. 

I called multiple times only to get the same answers and I submitted online disputes but they have not corrected this. 

The inquiries include XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with fair credit reporting act XXXX  account XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX, DEPT of Education/XXXX  account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # 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 2022-09-18 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 fair credit reporting act XXXX  account XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX  account XXXX XXXX, DEPT of Education/XXXX  account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
My application was denied but how is that possible if you guys said you were in compliance with truth in lending? Why is it that i have to put a downpayment when ALL charges are covered by the finance charge? And also when IN FACT a down payment is ILLEGAL! When I did this application I gave you guys my Social Security number ( my XXXX XXXX XXXX  ) and my signature... I gave you guys authorization with my signature and ssi to go into my XXXX que trust and take the payment for this vehicle... so how can I be denied an extension of my own credit??? According to 15 USC 1605 - Determination of a finance charge states... ( see attachments below for full law quote ) When if fact this is the case, so why are you guys asking me to pay separately for anything when the finance charge covers EVERYTHING. You all may want to take this up with your power of attorney because i know you are PROBABLY naive to what i am talking about and i don't expect you to know when you don't study the law like i do... However i am willing to overlook these Violation AS LONG AS iam given the vehicle i applied for with NO out of pocket payments OR refund me IMMEDIATELY my payment of {$60000.00} from my Cestui Que trust & signature. Hi am giving you guys a chance to make this right. If my request are not accommodated i will Report these violations to the Cfpb, the FTC, the attorney general, and congress who IN FACT made these laws. Pick your choice. ( I am not just a young girl with a pretty face I know way more than you think I know ) in accordance with my complaint my i stated a down payment was illegal. A down payment is not illegal HOWEVER a downpayment in a transaction that uses consumer credit IS IN FACT ILLEGAL! so why was I charged a down payment in order to be approved to get my car. According to the laws ( see attachments below ) i should not have been charged a down payment in my consumer credit transaction.

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 2022-09-19 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: NBT BANCORP INC.
State: MA

Complaint narrative:
I called XXXX XXXX to discuss removing the late payments marks on my file. They told me they couldn't and they were valid. However, the charges and amounts are invalid. The principle they say I have to pay has other balances that are not to be paid by the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: MA

Complaint narrative:
Creditor also used misleading language which resulted in me taking a hit on my credit. When I called to ask about the situation, they advised I was told of the situation. Also, I was reported for being late the same day an automatic payment processed on my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: Armada Corp.
State: ID

Complaint narrative:
I submitted two disputes online, one on XX/XX/XXXX and the second on XX/XX/XXXX to the credit bureaus. My rights have been violated by not doing a fair and complete investigation on these accounts and by not notifying me with the results. 

Two accounts on my credit report increase the balance every month. 
Armada Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, Amada  balance increased by {$1.00} XX/XX/XXXX XXXX XXXX XXXX {$7.00} XX/XX/XXXX Amada  increased  {$1.00} XX/XX/XXXX XXXX  increased {$8.00} XX/XX/XXXX XXXX  increased {$9.00}, Amada increased {$1.00} XXXX XXXX is also showing a payment was made on XX/XX/2016 when I have never verified this account nor made a payment to them. 

I don't believe the balances should be changing as these are collection companies, not original creditors. They are also showing a past due balance, when they are collection agencies and should not be reporting past due balances as I have never had an agreement to make a payment with them so how can something be past due?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have wrote the 3 bureaus several times about the inaccuracies on my report yet they keep saying the accounts are verified but haven't provided me no documents showing I authorize any of these accounts I demanded they be deleted and the accounts are still on my credit reports one one or more of the bureaus

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