vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 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: SC

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.

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 2022-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX a medical collection for XXXX dollars should up on my credit report from commonwealth finance located at XXXX XXXX XXXX XXXX PA XXXX without my knowledge or consent my medical insurance paid this debt. Plus in XXXX of last year they past a notice that said medical debts under XXXX will not should up on my credit report and it also stated that i would have at least a year to pay the debt it it was minds.This is lawful practices and against the law.Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
A collection company, Convergent, the 2nd collection agency employed by XXXX XXXX, has been sending letters and contacting me even after I told them this account is in " Dispute Status '' with XXXX XXXX. I have chat, phone call & certified letter evidence that XXXX XXXX was notified this account is in dispute and the reasons why were documented and sent to them in multiple ways. They still sent this to Convergent for collection. Convergent  reported this on my credit reporting & did not list it as " disputed ''. 


Notice of Billing Dispute XXXX XXXX XXXX cell # XXXX XXXX XXXX XXXX XXXX Account # XXXX Disputed Amounts : 1 ) {$510.00} erroneously added to my XX/XX/2022 bill for International Roaming Data usage. This was caused by an error by XXXX XXXX. I called in XXXX oXXXX XXXX to turn off all International Roaming & International Calling Plans due to unhappiness with the costs and functionality issues. XXXX XXXX agreed to suspend all international data usage but failed to do so. 
2 ) {$350.00} Promotional Chargeback listed after my account was moved to XXXX in XX/XX/2022. I am being charged some form of early cancellation fee for a Gift Card that I never received or used. I was month to month with no early termination penalties in my contract with XXXX XXXX. In addition, you put me under duress by threatening to suspend my cell ph # service. My cell ph # is needed for my work. This constituted a Breach of Contract and is why I was forced to drop XXXX as my carrier for cell ph service. 


XXXX XXXX, No Final Payments will be made until you correct the above-mentioned issues. I dispute 100 % of both charges listed above and any additional collection, early termination or any other charges XXXX XXXX attempts to make up. In addition to XXXX XXXX receiving this Dispute Letter, a copy will also be sent via certified mail to all 3 credit repositories, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX was given every opportunity to fix these errors. Instead, you chose to try to bully me into paying an erroneous disputed charge at the threat of having my cell ph # suspended. XXXX breached our agreements. 


XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Submitted identity theft report via certified mail on XX/XX/2022 as well as disputed the fraudulent account multiple times prior to certified letter using XXXX, XXXX, and 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 2022-12-05 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: SC

Complaint narrative:
My name is 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 2022-12-05 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: SC

Complaint narrative:
My name is 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 2022-12-05 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: SC

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My name is 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I tried Customer Service, and they were very professional and polite, and said that the promotional rate set by marketing for balance transfers was the only option and that there was no room to negotiate ( I asked to speak with someone else to negotiate, my idea, not theirs ). The promotional rate is 22.8 % which is just too high. I'd be willing to go 0.00 % for 12 months and then that amount for a transfer of {$2300.00} from XXXX. 

Thank you, Let 's talk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: MO

Complaint narrative:
15 U.S. Code 1681 Section 602 states I have the right to privacy 15 U.S. Code 1681s2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 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 2022-12-05 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: SC

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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I reached out to Credit Acceptance in XXXX of XXXX stating the retail installment agreement was invalid as there were many violation per 15 USC. I received a email from XXXX XXXX requesting a call to her to resolve. I later received a letter stating that all of the documents and reasoning I sent as to why the contract was invalid would not be upheld even though the laws stated the violations. No where in the contract does it say I can rescind at all. I then sent a cease and desist and requested to rescind the vehicle, after researching I found that not only was I not given the option to rescind 15 USC 1635 but I was violated as the dealership requested a down payment 15 USC 1638, the amount of {$2800.00} was added to the total but that was also subtracted from the down payment. The down payment took the total to {$32000.00}, how is a down payment added to the total of the car, shouldn't that be deducted if anything? The finance charge was {$11000.00} which should have been the sum of all charges per 15 USC 1605. The transaction was cash and credit which was unlawful per 15 USC 1638. The insurance should have been included in the finance charge. The vehicle was said to been sold for a little over {$8700.00}, leaving me still owing {$6700.00}. Per XXXX XXXX the car was only worth $ {$9500.00} on XX/XX/XXXX of XXXX Credit Acceptance along with XXXX XXXX have violated laws pertaining to this contract/ car transaction.

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 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX I mailed a request to Equifax to lift my credit freeze from XX/XX/XXXX to XX/XX/XXXX. That letter ( which I have a copy of ) included my full name, my address ( which has been the same since XXXX ), my date of birth and social security number. As requested, I included a photo copy of both sides of my drivers license and a copy of a recent utility bill. On XX/XX/XXXX Equifax sent me a letter ( received XX/XX/XXXX ) indicating that what they have on file does not match what I sent. That is ridiculous unless they have incorrect inputs in their system which I can not account for. I no longer need to have my account unfrozen BUT I am very concerned that they could not match me to the information in my letter. That should be their job to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
On XX/XX/2022 a denial letter was sent to me after I applied for consumer credit. I have reason to believe, and do so believe I have been discriminated against. I am an applicant exercising my rights under the Consumer Credit Protection Act.

Loan is not defined in the federal laws that protect consumer credit. I never applied for a loan, I gave my credit card information, to extend credit as the original creditor, giving Rocket Mortgage access to my open-ended consumer credit plan for my benefit. My credit card is connected to my open-ended consumer credit plan pursuant to 15 USC 1602 ( j ).

My Social Security Number is not for identification, it is in fact a credit card defined by federal consumer credit protection laws pursuant to 15 USC 1602 ( l ). You used my credit card to get information from someone other than me to deny me of my right credit. 

Use of my credit card in which I receive no benefit, is unauthorized use of my credit card pursuant to 15 USC 1602 ( p ). You have violated federal law, and have caused me damages with your violations.

You have an opportunity to fix your wrongdoing, by approving the requested amount in the application. If you fail to do what I requested, I will have no other option but to file a complaint against your Truth in Lending violations. These laws are public and violations will be considered to be wilful and knowing, the civil liability of Truth in Lending violations are twice the finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: GA

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 : XXXX  Account # XXXX, Account name : XXXX  Account # XXXX, Account XXXX XXXX  XXXX Account # XXXX Account name : XXXX Account # XXXX Account XXXX : XXXX  Account # XXXX Account name : XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX  XXXX Account # XXXX Account name : XXXX  XXXX  Account # XXXX, have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: MI

Complaint narrative:
My data was shared in a breach with Equifax that led to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: MI

Complaint narrative:
I HAVE PERSONAL INFORMATION THAT DOES NOT BELONG TO ME. EXPERIAN REFUSES TO REMOVE THIS INFORMATION. I HAVE ACCOUNTS THAT DO NOT BELONG TO ME. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. THIS INFORMATION DOES NOT BELONG TO ME.

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 2022-12-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Outstanding balance has been paid- please remove from Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: OneMain Finance Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I received a credit alert that one made financial put a hard inquiry on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Jennifer McCoy, PC
State: FL

Complaint narrative:
please see attachments for FDCPA, FCRA, GLBA violations committed against me in commission of a fraudulently coercing a payment of a debt that is not owed and can not be effectively validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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 Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Acc Name : XXXX XXXX Acc # : XXXX Acc : XXXX XXXX Account : XXXX Acc : XXXX XXXX XXXX XXXX Date : XXXX INQUIRIES : XXXX XXXX XXXX  DATE XXXX XXXX  XXXX XXXX DATE:XXXX XXXXXXXX XXXX XXXX DATE:XXXXXXXX XXXX XXXX DATE : XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX  DATE : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: CA

Complaint narrative:
Certified mailings. Phone calls and online disputes. 
From XX/XX/2022 until present. I have not received access to my free reports. Error, technical issues or dispute in process but no changes to report from paid access. 

I've called XXXX XXXX they said they no longer report inaccurate information and i have no liability with them. Yet Equifax XXXX and XXXX have all exhausted the 30days of investigation but have not deleted the inaccurate unverified accounts XXXX XXXX inaccurate information XXXXXXXX XXXX which is close to it's statue of 7 years despite inaccurate information XXXX deleted account XXXX because of discrepancies and unverified accounts but it still remains

Company response to consumer: Closed with explanation