vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cottonwood Financial Ltd.
State: ID

Complaint narrative:
XX/XX/2022 The Cash store calls me at XXXX MST - Missed call The Cash store calls me at XXXX XXXX - Spoke to XXXX where she gave me a courtesy call to remind me that the first payment of my installment loan was due on XXXX. I advised her I'd be in afternoon of XXXX to make the payment. 

XX/XX/2022 The Cash store calls me at XXXX XXXX - Spoke to XXXX where she again reminded me of payment and asking when I'd be in. I again advised her I'd be in later in the afternoon. 

The Cash store calls me at XXXX MST - Spoke to XXXX AGAIN, where she asked, again, when I'd be in to make the payment. I advised her after XXXX. 

I arrived around XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX and paid my installment loan where XXXX asked me, " So who's your new employer? '' I asked her what she was referring to and she responded that she had called my job and they advised her that I no longer worked there. I had been laid off on Wednesday XXXX. 

She called XXXX times over the course of a XXXX hour period where I had actually spoken to her on the 2nd call. I asked her about this and she insisted that they were all courtesy calls ; which of course, after the 1st contact, is no longer a courtesy and is harrassment.

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: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
Without my knowledge, XXXX XXXX created an entry that was sent to the CLUE ( Comprehensive Loss Underwriting Exchange ) operated by Lexus Nexus. The entry is dated XX/XX/XXXX. We did not know of the existence of this entry until XX/XX/XXXX. XXXX XXXX has raised our insurance premium for renewal by 108.4 %. By creating this entry that appears as a claim that paid out {$0.00}, the result is that competitive insurance carriers will not quote us for a new property insurance policy or want to place a surcharge on the premium they quote. We can not shop for competitive rates. 

My contact with XXXXexus Nexus by phone ( a recorded conversation that I asked to be preserved ) on XX/XX/XXXX resulted in a conversation in which I requested that this entry is disputed and should be removed. They replied that they will look into this and respond within 30 days, making my ability to shop for insurance highly limited. 

Since I was never notified of this adverse entry in the Lexus Nexus database by XXXX XXXX, which is equivalent to a negative credit report, I feel both companies should be financially punished by the Federal Government or whoever regulates their behavior regarding consumers since I had no opportunity to dispute the entry until present time. 

XXXX created a reference number for the disputed entry of : XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, U S DEPT OF ED/XXXX/XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2022-06-03 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 XXXX  XXXX  XXXX  XXXX Account # XXXX, XXXXXXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, U S DEPT OF ED/XXXX/XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, U S DEPT OF XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 2022-06-03 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 XXXX  XXXX XXXX XXXX Account # 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 2022-06-04 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: Affirm Holdings, Inc
State: SC

Complaint narrative:
I paid off a loan with affirm XX/XX/2022. Affirm provided a loan verification letter which i submitted to the XXXX. XXXX did not update the credit file to reflect the loan was paid off and because of this, I was denied for my mortgage loan.

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: NY

Complaint narrative:
In accordance with the Fair Crediting Act XXXX Account Name : XXXX XXXX BANK XXXX Account # 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 2022-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 XXXX XXXX XXXX XXXX  Account # 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 2022-06-03 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX Reference 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 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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 


TRANSUNION XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX  ( Original Creditor : XXXX XXXX BANK ) Balance {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$730.00} XXXX CRED ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) Balance {$1000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX : XXXX XXXX Balance {$12.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$730.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$1000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX COLLECTION : XXXX  Balance {$1000.00} XXXX Balance {$730.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I cancelled a booking with XXXX and I did not receive the full refund as it indicated on their website. There's still a remaining {$170.00} charged in my credit card. 

I called XXXX and failed to resolve this issue. So I reached out to my credit card company XXXX  and started a disbute. But later had it resolved in the Merchants favor and was rebilled for {$170.00}. 

I've provided digital and physical evidence of the email proof I received for free cancellation/cancel with full refund. But XXXX  still resolved it with the merchant favor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 


XXXX XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Balance {$730.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Balance {$1000.00} INQUIRIES : XXXX XX/XX/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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Balance {$730.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$1000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTION : XXXX Balance {$1000.00} XXXX Balance {$730.00}

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 


XXXX XXXX : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) Balance {$640.00} XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$730.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX : XXXX XXXX  Balance {$12.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Balance {$730.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance {$1000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX  Balance {$730.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with Fair Credit Reporting Act, Experian, XXXX XXXX, XXXX have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX  acct number XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 usc 1605 states that the finance charge is the sum of all charge, no such thing as late payment 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 usc 1681 section 604 a section 2 ; states a consumer reporting agency can not furnish an account with my written instructions 15 U.S. Code 1692d - Harassment or abuse ; A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt ; reporting high usage negative impact on family/household/livelihood improper investigation, 5 U.S. Code 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, 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 associates of the consumer reported on or with others with whom he is acquainted 15 U.S. Code 1681b any consumer reporting agency may not furnish a consumer report without the written instructions of the consumer to whom it relates.

15 U.S. Code 1681d A person may not procure or cause to be prepared an investigative consumer report without notifying the consumer in writing

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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received my consumer report and all my personal information is wrong Correct Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XX/XX/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 2022-06-03 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: FL

Complaint narrative:
I sent letter off on XX/XX/2022 to remove address that is inaccurate and don't want in my credit report. no action has been taken. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. the address is included in the attach document that I filed with identity theft.gov. 

Moreover, I also request those inquiries below to be deleted since they are unknown to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 2022-06-03 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: United Collection Bureau, Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

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: I.C. System, Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

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