vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-30 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: MN

Complaint narrative:
Through Experian I have several fraudulent inquires on my consumer profile that I did not authorize and they need to be removed immediately as per regaurds the FRCa law 1681 ( a ) ( e ). The inquires are as follows : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX BANK. XX/XX/2022, XX/XX/2022 AND XX/XX/202XXXX 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 non-monetary relief
Consumer complaint received 2022-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
XXXX is attempting to collect debt from an XXXX account that was opened under my social security number. This account was opened up using address XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. I have lived in TX all my life.

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 2022-11-30 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: FL

Complaint narrative:
Experian is incorrectly reporting a charge-off on my account with XXXX XXXX XXXX XXXX I have contacted Experian as well as my bank and even have documentation that it is fraudulent but they still wont remove it.

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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Global Lending Services LLC
State: TX

Complaint narrative:
This company is reporting an old information and I want it removed because it is damaging my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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:
I previously submitted a complaint against Experian under case number XXXX. I do not feel Experian takes my fraud complaint seriously as I feel the response received was simply brushing off the issue to state the inquiries were accurate. I would like to inquire what method was done to verify the authenticity of the inquiries. I have submitted a fraud report advising I have been a victim of fraud and did not authorize, given permission and/or consent to access my credit for the purposes of obtaining credit. If Experian believes these inquiries are valid, I am demanding signed documentation with my signature listed. If Experian can not provide this information I am demanding immediate deletion of these erroneous inquiries. If these errors are not corrected by way of deletion I will not hesitate to take legal action to which I will demand damages of {$1000.00} per erroneous inquiry. I have listed the inquiries in question below : 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

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 2022-11-30 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: OH

Complaint narrative:
ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX ACCOUNT TYPE : COLLECTION  DATE XXXX XXXX BALANCE XXXX ORIGINAL CREDITOR : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX Disputed this Account and the debt wasnt validated or corrected. I never gave them permission to furnish any information about any alleged transactions which is invasion of privacy pursuant to 15 usc 6802, Also I never received the reinvestigation details to confirm investigation. I never received any agreement with my signature saying I agree to this debt. And see 15 U.S. Code 1666b - Timing of payments which shows direct violations of my rights Also I am aware thats I am the consumer original creditor and my credit card ( social security card/certificate of indebtedness was used and Im aware that canceled debt would be reported on a Form 1099-C as it is considered income and might be taxable so how can it be a debt. See 15 usc1681EB where it prescribes maximum accuracy on consumer reports which is proof of violations. Their are laws which protect me the consumer and penalties for violations 42 U.S. Code 408 - Penalties which is another violation by falsely misleading and representing and attempting to assign collect or enforce an in fact frivolous fraudulent and false debt which is a obligation of the United States pursuant to 31 U.S. Code 3123 and also see 18 usc 8. Also article 1 section 10 Clause 1 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility so what would be my options to repay this alleged debt?

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 2022-11-30 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: VA

Complaint narrative:
In accordance with the Fair Credir 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 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 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 also states a consumer reporting agency can not furnish an account without my written instruction.

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 7 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 a 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 2022-11-30 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: VA

Complaint narrative:
In accordance with the Fair Credir 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  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 also states a consumer reporting agency can not furnish an account without my written instruction.

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 7 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 a 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 2022-11-30 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: MD

Complaint narrative:
Experian is consistently misreporting my credit score as if this is an XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My XXXX is XXXX but they are misreporting it. 

My XXXX is XXXX but they are misreporting it. 

This falsely lowers my Experian score, and then consequently falsely lowers the others based upon the falsehoods of this score. 

I have been dealing with this credit score fraud all year.

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 2022-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I have explained to them many times I cant afford the monthly payments because of change in income and they have not been helpful, they have also threatened to repo my car as well while I have been making payments the entire time. 

I am also being told to pay a certain amount verbally but their website is reporting a different amount. 

This company has not only made my life difficult financially but they also repeatedly called me during my work hours after telling them numerous times it is an inconvenient time to call me. 

I have all the call records save to prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Earnest Inc.
State: TX

Complaint narrative:
Hello, I received an email on XX/XX/2022 that stated my previous XXXX loans would be forgiven and or reimbursed. However, my challenge is that my loans were consolidated to a company called Earnest ( Now owned By XXXX  ). So I am still paying these loans monthly. When I called both the Federal Student Aid and Earnest about this issue. No one would help me with a solution of getting this resolved. 

I provided proof of the original XXXX loan and proof of my continued payment toward these charges. 

Millions of people who suffered the hardship caused by XXXX more than likely consolidated these loans to bring the ridiculous monthly payments down. It is unfair to not apply these individuals under this forgiveness or not work on their cases to reimburse for such loans taken out. The original loan was started with XXXX and should be treated the same way from a forgiveness standpoint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: MN

Complaint narrative:
I have several fraudulent inquires on my consumer profile that I did not authorize and they need to be removed immediately as per regaurds the FRCa law 1681 ( a ) ( e ). The inquires are as follows : XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: VA

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 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 non-monetary relief
Consumer complaint received 2022-11-30 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: VA

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 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 2022-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have never filed a XXXX  XXXX bankruptcy I disputed this with with all 3 credit agencies and no one has responded I also sent off letters this is my 3rd time trying to resolve this matter

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 2022-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I have tried on numerous occasions to make a payment or partial. 
They have a rule that if you can't make full payment then you have to go-to their office. 
I browed money from family to pay these people off. 
They still processt in me going to the for payment. 
I am XXXX XXXX XXXX and have never had a bank refuse any form of payment. Yet they do. I have my debt card ready to pay the loan off but I am out of state and can't comply with there wished So I just keep getting late fees. 
They show up at my job my house anywhere they think I am they try to get payment from me. 
Please try to act as a mediator so I can pay them off with no added pinaltites. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: CT

Complaint narrative:
I have reached out many times to the companys reporting on my credit reports and matched info For my social and birthday address which they agreed did not match my true identity and all agreed to delete all accounts from my credit reports permanently.

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 2022-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I was scammed. I was tricked by somebody on XXXX to send money through fake zelle emails sent to me on XX/XX/2022. I was selling my baby bassinet on XXXX and somebody reached out to me to buy it but sent the money through Zelle business account. I received an email claiming that in order to receive the money I had to raise my limit because it wasnt a business account so they had me ask the client to send me {$300.00} and me refund it back. Client didnt send proof of payment but I had to send it back to even when my bank was at {$0.00} balance. It went through the bank and I went to XXXX. Then I got an email that somehow I had to make q business account to get the full amount back and send another {$500.00} and thats where I drew the line and didnt send it. I realized I was scammed and contacted zelle through their app as a complaint then called them. They told me they couldnt help because the transaction was authorized so I contacted the bank and they said the same thing but theyd file a dispute to try and help. But it takes time for that to go through and now Im sitting with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
EQUIFAX is improperly reporting my XXXX XXXX cards, they are not reporting them at all on my report therefore my credit score is wrong with them. I contacted XXXX XXXX and they ensured me they report to Equifax, therefore my credit score, amount of available credit and total credit cards reported by Equifax is WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: FL

Complaint narrative:
I am a natural person. I am a living human being. I have rights under USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts below to be removed because : According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account -XXXX  XXXX XXXX XXXX Charge Off, {$10000.00} XXXX XXXX  XXXX XXXX XXXX XXXX, {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or around XX/XX/2022, my checking account was frauded through XXXX for {$3500.00}. The action taken, called Bank of America XXXX department and filed a complaint. A few days later Bank of America replied stating that we had to go through XXXX to make a complaint because the money was taken from XXXX. We filed a complaint with XXXX department. We received a letter from Bank of America dated XX/XX/2022, stating that were unable to approve your recent claim.

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 2022-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I recieved an offer for {$200.00} cahsback after spending {$500.00} within the first 90 days of opening an account. I spent the {$500.00} before the 90 days and then called the CaptialOne to inquire about the cash back reward. I was told that this account did not have a cash back associated with it. I then asked to have this issue looked into. XXXX business days later a Capital One rewards representative called back and told me that after the application process Capital One made a counter offer on the application which did not incluide a cash back rewards but rather modified APR terms. I then told tem I would payoff the card and cancel it. I was never advised in obvious communication that the credit cards terms had changed. I feel this was improper advertising and done not in good faith. When an offer is made and then accepted the deal is over but what Capital One is trying to do is modify their terms aferwards and I am not talking about the credit card terms but the reward terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
These inquiries DO NOT BELONG to me. i have sent several letters. 



XXXX : Inquiry dateXXXX XXXX-Inquiry date-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