vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 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: NV

Complaint narrative:
I have been a victim of identity theft and my information was found on dark web and XXXX data breach. I demand this XXXX XXXX XXXX account be removed from my credit report its fraud the law prohibits fraudulent items from being placed on my credit report. I'm in the middle of purchasing i need to have this removed immediately. This is a violation of my consumer right to privacy and defamation of character lawsuit will be assessed if this account is not removed XXXX per violation. 

I have attached my FTC REPORT FOR YOUR REVIEW THIS ACCOUNT SHOULD NEVER SHOW UP AGAIN ON MY CREDIT REPORT. FAILURE TO REMOVE WILL COST {$1000.00} PER VIOLATION 15USC 1681 A, B, D

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 2022-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
On XX/XX/2022 I received an email from PayPal saying I had a transaction from XXXX for {$80.00}. I reviewed my PayPal account and saw the charge was accurate, and not authorized by me. It is currently pending authorization. The address has it going to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I looked in XXXX and XXXX other victims have commented the exact same fraudulent activity of XXXX purchases on their PayPal. I have never been to this business and do not know how they got my information.

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 2022-09-22 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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX  Please remove inaccurate reported late payments update to paid as agreed 2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP
State: SC

Complaint narrative:
I purchased a XXXX Honda XXXX in XXXX of XXXX. It was a lease program with a balloon payment system. I paid on the lease every month in a timely manner, never missed a payment and never late. My payment records with Honda Financial will reflect this. At the end of my lease maturity ( XX/XX/XXXX ) there was lapse in when my payments for the lease ended and hearing from Honda to refinance my car via a loan through their bank. I did not hear from Honda for refinancing until XXXX of XXXX. I was sent refinancing paperwork which I signed and sent in. I also made payments on the vehicle in XXXX, XXXX, and most recently on XX/XX/XXXX. On XX/XX/XXXX I received another phone call from Honda Financial stating that they hadnt received my signed refinancing paperwork and that it was very urgent I sign and return them. I explained that I had sent them weeks ago, and requested that a new set be sent immediately so I could sign and return them. They did not mention on the phone call that my account was delinquent in any way. On XX/XX/XXXX, the next day, my car was seized for delinquency. When I called Honda Financial, the only explanation they gave me was that my account was delinquent. I explained that I had requested new paperwork because the first set mustve gotten lost in transit to them. Just to reiterate, I was still making monthly payments on the vehicle even though the paperwork was not in place. I never defaulted on a payment. After waiting the 24 hour time period for them to update my account, I called back and they stated that I could only retrieve my car by paying the total amount due ( over {$14000.00} ) or having my car refinanced through a different lender. Nearly three years as a consumer at this finance company, never missed a payment or delayed a payment, and my car was taken from me over paperwork that got lost in the mail. They have my physical address, email, etc and I never received any notice that this was happening. Im truly at a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
Dear CFPB ; 1. I really need help because XXXX XXXX response to my complaint alleges there was no defective corporate transfer however, evidence will prove it has been 48 months since the lender conducted a corporate transfer, went into my bank account, took funds, refuse to apply them to my note and refuse to return the funds. As a result of their unwillingness to admit they committed errors, foreclosure proceedings were initiated against me for funds the institution is still holding 2. On the other hand, when XXXX  XXXX XXXX conducted a defective corporate transfer, the financial institution refunded my payment and offered options to assist with keeping my home ( Ex A ) 3. XXXX XXXX  refusal to correct the defective debt assignment caused the institution to violate debt collection laws when on XX/XX/XXXX, XXXX XXXX mailed two Notice of Sale of Ownership of Mortgage Loan letters to my home that alleged it was a debt collector, and its purpose was to collect a debt however, XXXX XXXX di not hold the note and no debt was owed to XXXX XXXX ( Ex B ) 4. XXXX XXXX continued to violate debt collection laws that interfered with my efforts to save my home when the institution filed a false objection to an approved payment plan in the XXXX XXXX  XXXX. Instead of correcting the defective corporate transfer XXXXXXXX XXXX submitted false affidavits, and filed two false claims that alleged there was a corporate transfer in XX/XX/XXXX, ( See Ex D ) 5. On XX/XX/XXXX, XXXX XXXX response to my complaint to the CFPB alleges XXXXXXXX XXXX conducted a corporate assignment with XXXX XXXX on XX/XX/XXXX, and recorded the deed in XXXX. 
6. XXXXXXXX XXXX obviously have no plans to correct their errors and my efforts to save my home continue to fail due to their conduct. XXXX XXXX have floundered the XXXX XXXX XXXX and continue to hold me in a state of oppression because of the refusal to voluntary dismiss the XXXX XXXX XXXX foreclosure proceeding. I believe the foreclosure proceedings is Res judicata 7. In the past XXXX recorded a corrective corporate assignment while XXXX XXXX XXXX prevented a foreclosure by refunding a partial payment. XXXX XXXX XXXX refusal to correct its failures has caused the institution to violate debt collection and other laws then hold me financially responsible. XXXX XXXX is a XXXXXXXX XXXX institution that will continue to impose abuse upon me upon me because I am indigent and therefore, I need your help to prevent a defective foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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 — Problem with personal statement of dispute
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I have a Police Report and Fraud Affidavit for the erroneous items on my credit report. 

2 Erroneous items XXXX XXXX XXXX, Paid/Never Late, that speaks volumes to who I am. 

The bureaus have violated FCRA and have NOT performed an Investigation and they have NOT provided me with one piece of tangible proof, signatures, agreements that these two erroneous accounts belong to me, because they can't provide documentation. 

Delete these erroneous accounts immediately and it's your duty to put the bureaus on notice that this behavior goes against FEDERAL laws. 

XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX ( {$270.00} ) ( XX/XX/XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$2500.00} ) ( XX/XX/XXXX ) - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a Police Report and Fraud Affidavit for the erroneous items on my credit report. 

2 Erroneous items XXXX XXXX XXXXXXXX  Paid/Never Late, that speaks volumes to who I am. 

The bureaus have violated FCRA and have NOT performed an Investigation and they have NOT provided me with one piece of tangible proof, signatures, agreements that these two erroneous accounts belong to me, because they can't provide documentation. 

Delete these erroneous accounts immediately and it's your duty to put the bureaus on notice that this behavior goes against FEDERAL laws. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: 1st Franklin Financial Corporation
State: SC

Complaint narrative:
I started receiving calls from XXXX Franklin Financial located at XXXX XXXX XXXX, XXXX, SC XXXX on XX/XX/2022 stating that I cashed a check that was delivered to my old address at XXXX XXXX XXXX XXXX, SC XXXX. I have not lived at that address in over a year and it's even on my driver 's license and my current bills show my new address. I asked for a copy of the check and the signature did not match mine at all. When I asked what account was it deposited to, they couldn't tell me. I have now been served by the XXXX XXXX XXXX XXXX for a lawsuit against me made by Franklin Financial. I have been looking for a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax claims to offer an online dispute tool that hasnt functioned properly between XXXX and XXXX of 2022. I have used multiple file extensions from PDF to JPEG to PNG and nothing will upload in this tool even though on my end it sometimes says it has. After multiple disputes and multiple calls I came to find out nothing has even uploaded or been submitted at a supporting document for my disputes. Additionally one of the disputes has taken well over 30 days to complete and is still showing as being investigated. I have received no help from Equifax. Additionally they are now asking to have government IDs and proof of address mailed to them as proof of who I am in a dispute when they have had me verify who I am a number of different ways and claim to be mailing me information to the correct address. It doesnt seem they are able to carry out the functions of a credit reporting organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: NC

Complaint narrative:
I have been disputing fraud accounts on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-22 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:
on or around XXXX there was a late payment posted to my account from XXXX XXXX acc num XXXX. Even though I had made several payments before the due date. that they refused to credit towards my next due date. that is very deceiving to not post the payment to the next billing cycle. as I thought it would. 
In accordance with the fair credit Reporting act XXXX com violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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.

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 2022-09-22 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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-22 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: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
fifth third bank bank na acc num XXXX shows transferred to another lender that is not true, the acount number is not any account i recall signing up for. 
on XX/XX/18 XXXX, XX/XX/18, XX/XX/18, XX/XX/18 are marked late. 

In accordance with the fair credit Reporting act fifth third bank has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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 2022-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account ASHRO XXXX Balance : {$120.00} Date Opened : XX/XX/2016 was incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. 

ASHRO XXXX Balance : {$120.00} Date Opened : XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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:
Equifax data breech victim and fighting to have negative items removed. Please hold XXXX, equifax and XXXX responsible to remove fraud information. The below accounts must be removed by all agencies. 
XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation