vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX  Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX  Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account XXXX : XXXXXXXX XXXX XXXX Account Number : XXXXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: MA

Complaint narrative:
The solar rep promised I would receive a specific amount ( XXXX ) from taxes to pay down the loan to get to the target balance. I am not getting that much so now the payments will go up to twice the amount I'm paying now in XXXX Had i known i would not be receiving that amount, i never would have taken the loan. There is absolutely no way i could get XXXX ... .ever ... XXXX will not work with me on it. They're just saying wait until the loan re amortize. Which will bring the payments up. I'm thinking of having to file bankruptcy. I am a hardworking single mother and I know I'm not the only one goodleap has hornswoggled. Despicable. Predatory. I understand why people call it a scam now. Sounded too good to be true

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
I am un aware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe i received proper notification please provide the certified mail with a receipt with my signature on it stating i received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Credit, Inc.
State: HI

Complaint narrative:
I received a debt to be collected from Sentry Credit on behalf of XXXX XXXX XXXX a XXXX entity. I already submitted a police report stating the XXXX fraud. We agreed to a XXXX balance. 

XXXX is the equity firm that owns XXXX XXXX XXXX. Case ID : XXXX - XXXX ( HI ) OWNER LLC v. ROBINSON Type : RC - Regular Claim Status : TERMINATED - Terminated Case Last Updated : XXXX We signed an agreement I would have a XXXX balance. According to the ledger filed I owed $ XXXX and change. XXXX XXXX XXXX corporate submitted to sentry credit for a {$50000.00} lien against me and my husband. Thats contractual fraud. XXXX XXXX XXXX is the shareholder of XXXX and XXXX. XXXX XXXX XXXX That shows all the subsidiary companies attached to first XXXX XXXX . Case ID : XXXX - State v. Awapuhi Robinson Type : CW - Criminal Written Complaint Status : ACTIVE - Active Case Last Updated : XXXX ID : @ XXXX XXXX : XXXX XXXX Status : Not Specified Filing Date : THURSDAY, XX/XX/2024 Court : THIRD CIRCUIT Location : XXXX XXXX XXXX : XXXX  XXXX : XXXX XXXX : XXXX XXXX/ XXXX  : XXXX Alleged Speed : ~ / ~ That case has all my documents in the lineal heir to the XXXX XXXX. They sealed my documents without discussing it with me. I have copies of the documents. 

Thank You, XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Division TD Bank [ Address ] [ City, State, ZIP Code ] Dispute of Collection on Credit Report To Whom This May Concern I XXXX XXXX I hope this letter finds you in good health. I am writing to dispute a collection entry on my credit report, which I believe is inaccurately associated with my credit history. 

I recently reviewed my credit report from the three major credit bureaus, namely XXXX, XXXX, and XXXX. To my surprise, I discovered a collection account that does not belong to me. I would like to bring to your attention that this entry violates the following consumer protection laws : 1. Fair Credit Reporting Act ( FCRA ) : The FCRA mandates that credit bureaus maintain accurate and up-to-date information on consumers ' credit reports. In this case, the collection entry is erroneous and does not reflect my credit history accurately. 

2. Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices. This includes reporting inaccurate information to credit bureaus, which has negatively impacted my creditworthiness. 

3. Fair Credit Billing Act ( FCBA ) : Under the FCBA, consumers have the right to dispute inaccurate charges and billing errors. The collection entry in question does not pertain to any debt that I have incurred, and therefore, it should be removed from my credit report. 

4. Fair and Accurate Credit Transactions Act ( FACTA ) : The FACTA ensures that consumers have access to their credit reports and have the ability to dispute inaccurate information. I have taken the necessary steps to review my credit report and am exercising my right to dispute this collection entry. 

I request that TD Bank, as the creditor, take immediate action to investigate and rectify this error. I kindly ask that you provide me with a written response within 30 days, acknowledging the receipt of this dispute and informing me of the actions taken to resolve the matter. 

In addition, I urge TD Bank to notify the credit bureaus ( XXXX, XXXX, and XXXX ) of the inaccuracy and request the removal of the collection entry from my credit reports. This action is essential in ensuring the accuracy of my credit history and maintaining my financial reputation. 

Please find attached copies of supporting documents, such as credit report excerpts highlighting the erroneous collection entry, as well as any other relevant information that may assist in the investigation process. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the provided phone number or email address. 

Thank you for your understanding and cooperation. 

Consumer Financial Protection Division TD Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and notice that I have fraudulent accounts on my report. I demand these accounts be removed from credit report because they are hurting my ability to obtain credit

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 2024-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This Account was opened fraudulently and not by me. This is a violation of my rights as a consumer. I am human. There is no 3rd party involved. I have reported to FTC. There are duplicated fraudulent accounts. I have attached the FTC Report. The following accounts need to be removed from my credit profile ASAP. 

Following Fraudulent Duplicated Accounts : XXXX XXXX XXXX 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

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 2024-03-23 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Thursday, XX/XX/year> I've received a phone call from Chase Dispute Department in regards to the billing dispute with XXXX for the amount of {$2600.00}. Customer service representative was updating me on the status of the case and mentioned that the merchant is rebutting the dispute claim and in order to proceed further into pre-arbitration stage Chase needs supporting documentation from me to strengthen the claim. I informed the representative that I do have needed supporting documentation and will be sending them over same day since it's time sensitive matter and expect them to be fully uploaded in the system the earliest Friday, XX/XX/year> or latest - XX/XX/year> after them being submitted by me at a later time on XXXX of XX/XX/year>. I've informed representative to kindly give me a call on Monday, XX/XX/year> in case representative wouldn't be able to allocate uploaded documents or there's important information missing. Representative affirmed that. Later that day I've received a letter from Chase ( see page XXXX in XXXX ' ) stating that more documents are needed and I have a time by XX/XX/year> to provide Chase with required documents. Supporting documents were uploaded by me as promised to Chase via document upload center ( see a copy of supprting documents for the case in XXXX ' ). Notwithstanding, following day on XX/XX/year> I've received another notice from Chase, stating, contary to the previous notice, that the disputed charge was considered valid and Chase wasn't able to confirm a due credit ( see page XXXX in XXXX ' ). At this point it is assumed that Chase subjectively closed the time-sensitive case without even validating the previously uploaded documents for time-sensitive investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Per complaint XXXX Equifax informed inquiries would be removed. Inquiries were removed and has been placed back on my consumer report some how. This is against federal law. As stated before I have identified inquiries on my consumer report that has been furnished without my written consent, instructions, and I didn't provide permissible purpose this is identity theft : INQUIRIES : XXXX XXXX XX/XX/23, XXXX XXXX XXXX XX/XX/23, XXXX XXXX XX/XX/23, I have attached my FTC report and police report case number. I also attached a copy of my drivers license, social security card, and my credit card statement to verify my identity. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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