vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am not requesting debt validation or a copy of my payment history I am demanding the following late payments to be updated to current due to the following billing errors and Consumer trade and commerce law violations late payments are not legally required to be reported to credit agencies but if reported must be accurate if reported but they fall under transactions and experiences between creditor and consumer pursuant to 15 USC 1681a ( b ) ( d ) ( 1 ) ( 2 ) and 15 usc 1681 ( C ) ( a ) I am also opting out of credit reporting of my personal financial information and Im requesting the limitation of my financial information being share and I do not want any financial derogatory information to be shared please delete all previous derogatory information that has been reported to agencies pursuant to 15 usc 1681s-2 ( a ) failure update account will result in a {$1000.00} fine per violation of U.S codes and consumer rights laws 15 usc 1681n. - Civil liability for willful noncompliance And 15 usc 1681o. Civil liberties for negligent noncompliance u seven days to delete all late payments and all derogatory financial information from my consumer reports

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 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am not requesting debt validation or a copy of my payment history I am demanding the following late payments to be updated to current due to the following billing errors and Consumer trade and commerce law violations late payments are not legally required to be reported to credit agencies but if reported must be accurate if reported but they fall under transactions and experiences between creditor and consumer pursuant to 15 USC 1681a ( b ) ( d ) ( 1 ) ( 2 ) and 15 usc 1681 ( C ) ( a ) I am also opting out of credit reporting of my personal financial information and Im requesting the limitation of my financial information being share and I do not want any financial derogatory information to be shared please delete all previous derogatory information that has been reported to agencies pursuant to 15 usc 1681s-2 ( a ) failure update account will result in a {$1000.00} fine per violation of U.S codes and consumer rights laws 15 usc 1681n. - Civil liability for willful noncompliance And 15 usc 1681o. Civil liberties for negligent noncompliance u seven days to delete all late payments and all derogatory financial information from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am not requesting debt validation or a copy of my payment history I am demanding the following late payments to be updated to current due to the following billing errors and Consumer trade and commerce law violations late payments are not legally required to be reported to credit agencies but if reported must be accurate if reported but they fall under transactions and experiences between creditor and consumer pursuant to 15 USC 1681a ( b ) ( d ) ( 1 ) ( 2 ) and 15 usc 1681 ( C ) ( a ) I am also opting out of credit reporting of my personal financial information and Im requesting the limitation of my financial information being share and I do not want any financial derogatory information to be shared please delete all previous derogatory information that has been reported to agencies pursuant to 15 usc 1681s-2 ( a ) failure update account will result in a {$1000.00} fine per violation of U.S codes and consumer rights laws 15 usc 1681n. - Civil liability for willful noncompliance And 15 usc 1681o. Civil liberties for negligent noncompliance u seven days to delete all late payments and all derogatory financial information from my consumer reports

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 2023-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I am a victim of Identity Theft. Have had Diamond Preferred card with Citicards for 32 years. Someone used my information and Citicards approved an account. When I learned of this, I contacted Citicards and the Customer Service Supervisor closed my account in error. Language barrier. Representatives do not understand much English. Record states it was " closed at the customer 's request ''. I did not request closure. Citicards refuses to re-open the account or provide another account. Someone at Citicards has changed the name on the account. I contacted a Customer Service Representative in the United States of America, and was told it would go to Remediation for " analysis by high level specialists '' and the account " would be re-opened or they may change cards ''. Today, I was told " The bank will not re-open the account ''.

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 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Pulling credit with out permission 15 usc cod 1681c compliance procedures

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 2023-04-02 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: GA

Complaint narrative:
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Account Number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion. These blocks the credit bureaus place on my report immediately get removed with NO details of the investigation, regardless of all information I supply them with that, quite literally, details all aspects of my identity theft.

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 2023-04-02 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion. These blocks the credit bureaus place on my report immediately get removed with NO details of the investigation, regardless of all information I supply them with that, quite literally, details all aspects of my identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This may or may not be the 6th or 7th time I've reached out to have this solution fixed, XXXX XXXX XXXX loan has ruined my life. I am suffering day in and day out because of the incompetence AND LACK OF RESPECT the bureaus have for the law to protect its consumers. they have been pinging me with late payments despite the promises made before to give me extensions due to financial hardship due to covid, I am once again a healthcare worker and this has made me quit my job due to mental health reasons and become suicidal because these bureaus have reposted the illegal and unlawful late payments to my credit report again, They are breaking laws their companies swore to uphold and infringing on my legal rights with impunity. 

BUREAS are reposting late payments that were removed beforehand in previous disputes that I proved right and contradictory on my report. illegally refurnishd them to my credit report, I've never seen such lack of respect for the law and cfpb.

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 2023-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
I went to XXXX to get service they said I already had an account I never use XXXX and I have a newly reporting collection from the company. Someone signed up with a similar name or used my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: NV

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 : 1.XXXX XXXX XXXX ACCOUNT NAME 2.XXXX XXXX XXXX  ACCOUNT NAME 3.Department of Treasury XXXX ACCOUNT NAME 4 . XXXX XXXX XXXX ACCOUNT NAME 5 XXXX XXXX XXXX ALL HAVE 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 antidotes 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This may or may not be the 6th or 7th time I've reached out to have this solution fixed, XXXX XXXX XXXX loan has ruined my life. I am suffering day in and day out because of the incompetence AND LACK OF RESPECT the bureaus have for the law to protect its consumers. they have been pinging me with late payments despite the promises made before to give me extensions due to financial hardship due to covid, I am once again a healthcare worker and this has made me quit my job due to mental health reasons and become suicidal because these bureaus have reposted the illegal and unlawful late payments to my credit report again, They are breaking laws their companies swore to uphold and infringing on my legal rights with impunity. 

BUREAS are reposting late payments that were removed beforehand in previous disputes that I proved right and contradictory on my report. illegally refurnishd them to my credit report, I've never seen such lack of respect for the law and cfpb.

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 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This may or may not be the 6th or 7th time I've reached out to have this solution fixed, XXXX XXXX XXXX loan has ruined my life. I am suffering day in and day out because of the incompetence AND LACK OF RESPECT the bureaus have for the law to protect its consumers. they have been pinging me with late payments despite the promises made before to give me extensions due to financial hardship due to covid, I am once again a healthcare worker and this has made me quit my job due to mental health reasons and become suicidal because these bureaus have reposted the illegal and unlawful late payments to my credit report again, They are breaking laws their companies swore to uphold and infringing on my legal rights with impunity. 

BUREAS are reposting late payments that were removed beforehand in previous disputes that I proved right and contradictory on my report. illegally refurnishd them to my credit report, I've never seen such lack of respect for the law and cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am still paying my car loan however the loan company Westlake has closed out the account and is not reporting my current payments. They have also in the past on a previous loan took {$3700.00} out of my bank account and refused to refund the money and just sent the title instead. Westlake is operating fraudulently and false reporting to the credit bureau in retaliation to me hiring a lawyer.

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 2023-04-02 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: NV

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 : 1.XXXX XXXXXXXX XXXX  ACCOUNT NAME 2XXXX XXXX XXXX  ACCOUNT NAME 3.Department of Treasury XXXX ACCOUNT NAME 4 . XXXX XXXX XXXX ACCOUNT NAME 5 XXXX XXXX XXXX ALL HAVE 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 antidotes 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 information is ina
ccurate.

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 2023-04-02 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: NV

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 : 1.XXXXXXXX XXXX XXXX ACCOUNT NAME 2.XXXX XXXX XXXX ACCOUNT NAME 3.Department of Treasury XXXX ACCOUNT NAME 4 . XXXX XXXX XXXX ACCOUNT NAME 5 XXXX XXXX XXXX ALL HAVE 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 antidotes 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 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 2023-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
This is not my collection I called they couldnt verify the account I gave all my info. I need this off my credit report because this isnt my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX XXXX  Acct XXXX. : XXXX Date XXXX Below are the following US Code violations these entities have committed.

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show XXXX XXXX XXXX XXXXXXXX, and ChexSystems are all in direct violation. As Ive yet to be contacted via phone by any of these entities regarding the deletions or blocks that they detail in their previous responses. These blocks XXXX XXXX XXXX places on my report immediately get removed with NO details of the investigation, regardless of all information I supply them with that, quite literally, details all aspects of my identity theft.

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