vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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 2023-05-15 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:
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. 

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 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 explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/, I filled out an online application with XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX ) for a boat loan. There was no disclosure in the application that a hard credit inquiry would be conducted. 

I did not authorize a hard credit inquiry against my credit report. 

The loan request was summarily denied, so I attempted to reapply the following day, XX/XX/ with more money down. This time the loan was forwarded to a XXXX XXXX ( XXXX ) who said the bank needed additional financial records to proceed. Again, during this second loan application, I did not authorize a hard credit inquiry against my credit report. The loan rate quoted me was 10.44 % and I withdrew my request and decided not to receive a loan from this bank. 
Less than a week later, I receive two letters indicating hard credit inquiries from XXXX XXXX XXXX XXXX on my credit report. I contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, and she said she would speak with her manager, who later said they could do nothing to remove either inquiry. 

I believe XXXX XXXX XXXX XXXX misrepresented they business as demonstrated my numerous complaints to the XXXX  ( XXXX XXXX XXXXXXXX ) and fraudulently collected financial information without my consent. 

I would like XXXX XXXX XXXX XXXX to contact Experian and have BOTH hard inquiries removed from my credit report.

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 2023-05-15 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: CITIBANK, N.A.
State: PA

Complaint narrative:
We were deceived in a XXXX airport into traveling with criminals instead of the transport company we engaged. In the process they claimed there was another charge and to get pesos for it we attempted to use an ATM at which they apparently skimmed information from my credit card, which was later used to submit a false transaction. I think rejection of my fraud claim violates the Fair Credit Billing Act. The reason they gave me for denial is that I gave my credit card information to the " vendor '' who in fact was a criminal who impersonated my vendor. In fact I didn't willingly give the criminals the information. 

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 monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NH

Complaint narrative:
I have requested them to stop contacting my son on our student loan account which was in arrears. He has nothing to do with the loan application and as we were not able to make payments, they started to send him harassing phone calls. I called today and spoke to the acct manager and he said that since we were behind in payments, they were reaching out to 3rd parties to get a hold of us. I asked them to stop and he said that they were allowed to do this. 

We have spoken to them on several occasions to try to restructure loan payments and they refused saying we are able to may the XXXX XXXXXXXX payments. We have also filed a complaint with their corporate office on this issue as well and they supported the original determination that we can make the payments. I do not have exact dates on my conversations with them. Total amount owed to them is XXXX. I have contacted them at least 4 times during the past XXXX to restructure payments without any luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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:
To whom it may concern, Hi my name is XXXX XXXX XXXX. I have XXXX accounts of credit report that is hindering me badly and its causing mental and physical breakdowns. The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX These accounts are hindering because I am trying to move my family into a house but because of these fraud accounts that I did not apply for, they are bring my score down and its causing turmoil in my life. I am stressing because I have to move my family into a bigger home. My mental state of mind is declining also. I am not eating, sleeping and functioning right because I do not what to do. I been disputing these accounts because its identity theft. These are not my accounts. I would like these accounts remove so I move on and get my family a home. These accounts are hindering my credit score and I am being denied left and right. Once these accounts are removed, I will finally be able to provide that home for my family.

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 2023-05-15 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: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
A Bank of America checking account was opened fraudulently in my name. This account was opened in XXXX of XXXX. I discovered the accounts existed XX/XX/XXXX because I received an email that this account was now opening a digital debit card. When I discovered this information and realized I was a victim of identity theft I immediately reported the fraudulent activity to Bank of America, all three major credit bureaus, social security administration and here at the cfpd.

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 2023-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
This XXXX XXXX dealer service account was paid in full and completed. I submitted proof to the credit bureaus and they still report incorrect and now are adding additional late payments to the account that has been fully satisfied. This is identity theft, and copyright infringement. I will attach the copyright notice.

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 2023-05-15 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: EQUIFAX, INC.
State: OK

Complaint narrative:
This XXXX XXXX dealer service account was paid in full and completed. I submitted proof to the credit bureaus and they still report incorrect and now are adding additional late payments to the account that has been fully satisfied. This is identity theft, and copyright infringement. I will attach the copyright notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
This XXXX XXXX dealer service account was paid in full and completed. I submitted proof to the credit bureaus and they still report incorrect and now are adding additional late payments to the account that has been fully satisfied. This is identity theft, and copyright infringement. I will attach the copyright notice.

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 2023-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
ACIMA Credit Company charged me an excessive amount ( approximately three times the cost of the furniture ), in interest on furniture I purchased from XXXX XXXX XXXX XXXX. I attempted to reach out to ACIMA Credit Company to try to reach a settlement, before the account was paid in full, but was unsuccessful. 
( Lease Number XXXX ) First Payment Date ( Monday, XX/XX/XXXX ) Renewal Payment Amount ( {$120.00} + applicable taxes ) Payment Frequency - ( Bi-Weekly ) Early Purchase Option Amount - {$1800.00} + applicable taxes by XX/XX/XXXX TOTAL RENT PAID ON XX/XX/XXXX - {$3900.00} This company currently has a XXXX XXXX  rating with 1,152 Customer Complaints in last 3 years, and 355 complaints in the last 12 months, so I think this speaks for itself!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Today I received a phone call from XXXX. According to my phone this number is out of Maryland. The person on the other end clearly had an XXXX accent. He proceeded to ask me to verify my name, XXXX XXXX and the last 4 digits of my social. I did, and then he proceeded to tell me he had an email address that i used many years ago, and a physical address that I hadn't been in since XXXX. I refused to verify any current information until he told me what this call was about. This continued until he had his " boss '' get on the call. Again, another person of XXXX accent, gets on the phone. He tells me he is a lawyer and the previous person was a paralegal. He proceeds to tell me that I am being sued. They both start hounding me about the documents and phone calls I supposedly have already received... which I have not. The lawyer excused the paralegal, again told me the call is being recorded and that he was going to read me an avidavit. He said the company suing me is LVNV Finance Funding and the case number is XXXX. He told me I was being sued for uncollected payments to a XXXX XXXX XXXX. When I asked which one, he read off about 20 of them, but wouldn't tell me any specific one. I asked him if he could send me the information, he wouldn't answer, just kept asking me if I was going to hire an attorney, and how I was going to handle the suit. He was nasty and wouldn't give me exact figures either. One time he mentioned XXXX in funds and then attorney fees. I finally hung up, upset, I XXXX  LVNV funding. I called them. They are based here in the U.S. She had no knowledge of me, of any collections related to me. She was confident I had been or was in the process of being scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NV

Complaint narrative:
I HAVE RECEIVED A LETTER FOM PLUS FOUR INC, A DEBT COLLECTOR CLAIMING I OWE THEM XXXX FOR SOMETHING MY INSURANCE SHOULD HAVE COVERED.REFERENCE # XXXX. I ALWAY PAY ALL MY DEDUCTIBLES PRIOR TO SERVICES RENDERED, PLEASE QUIT BOTHERING ME WITH THIS BOGUS CHARGE, I AM SSDI, MAKING MY INCOME FEDERALLY PROTECTED FROM SCAMS LIKE THIS.

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 2023-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DFC Global Corp.
State: UT

Complaint narrative:
This debt collection agency suddenly appeared on my credit report XX/XX/XXXX. At first I didn't recognize this debt because of the absurd amount that it reported owe. The debt collection agency is XXXX XXXX XXXX XXXX. The amount they are reporting is {$7800.00}. I disputed this XXXX times. I have never received anything in the mail, or call regarding the debt. It took my a while to figure out what debt they were referring to. When I found the initial loan document, the amount financed was {$1500.00}. I am not sure how they came up with the amount of {$7800.00}. I disputed both with XXXX and XXXX, but XXXX XXXX XXXX is confirming that they have the correct information. I disputed on XX/XX/XXXX and XX/XX/XXXX. They have yet to justify the amount hey are claiming I owe, even though I have sent them a copy of my initial loan document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: MD

Complaint narrative:
I don't recognize and have not authorized any of the following inquiries, and they are fraudulent and not attached to any account : XXXX 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

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 2023-05-15 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: 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.

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 2023-05-15 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX You are in Direct violation of the Fair Credit Reporting Act ( XXXX XXXX Account number XXXX ) has violatyd several of my rights 16 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy 16 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 16 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose Remove the wrong late payment reporting and update account to PAANL ( Paid As Agreed Never Late ) acccording to the consumer protection laws.

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been disputing the inaccuracies on my credit report XX/XX/2022 and I am still having the same issues. This is hindering my opportunity of homeownership. I'd asked the credit bureaus to " investigate every piece of information '' on my accounts I have listed below. According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. I have asked respectfully that Id be provided with proof of the disputed item specifically any contact note, court document, or any instrument having my signature. They have failed to do this as expected, according to the law, the items would be deleted within 30 days, but this has been ongoing since XX/XX/2022. The credit bureaus stated my account was verified but how is that possible if they did not do a proper investigation according to the law. This was the response after several dispute letters were sent and ignored. I recently accessed a new credit report and found the same and similar discrepancies which means every piece of information on these accounts are still not 100 % accurate according to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report still showing inaccuracies. 

XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX ( Please validate and correct ) XXXX : XXXX XXXX : XXXX Transunion : 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